UPI Auto Pay aur subscription kya hai aur isko kaise band karein?

Subah SMS aata hai: ₹299 debited. Aapne aaj kuch pay nahi kiya, phir bhi paise kat gaye. Ye UPI Auto Pay hai — ek subscription mandate jo aapne kabhi approve kiya tha aur ab har mahine chup-chaap chal raha hai.

UPI Auto Pay aur subscription actually hai kya

UPI AutoPay UPI 2.0 ke e-mandate par bana hai. Aap ek baar UPI PIN daal kar permission dete hain, uske baad merchant schedule ke hisaab se paise pull kar sakta hai — har baar approval nahi maangi jaati.

Limits jo pata honi chahiye:

• ₹15,000 per transaction AFA (Additional Factor of Authentication) threshold hai. Isse upar debit ruk jaata hai aur us debit ke liye UPI PIN daalna padta hai.
• Insurance premium, mutual fund subscription/SIP aur credit card bill payment — in exception categories mein limit ₹1,00,000 tak hai, bina AFA ke.
• Variable-amount mandate mein aap maximum ceiling set kar sakte hain — merchant usse upar nahi jaa sakta.

Notification dono baar aata hai

Paise katne se pehle pre-debit notification aata hai, aur katne ke baad post-transaction notification. Post-transaction notification mein ye sab hona chahiye: merchant ka naam, amount, date aur time, transaction reference number, e-mandate reference number, debit ka reason, aur bank ki grievance redressal details.

Band kaise karein — steps

1. Apna UPI app kholein.
2. AutoPay ya Mandate section mein jaayein.
3. Active mandates ki list dekhein.
4. Jo band karna hai use select karein.
5. Cancel ya Revoke par tap karke confirm karein.

App-wise path: PhonePe — profile icon (top-left) → Manage AutoPay → Cancel AutoPay. Google Pay — profile picture (top-right) → Autopay → Cancel autopay. Paytm — profile icon → UPI Automatic Payments → Manage → Cancel. BHIM — Mandate → My Mandates → Revoke.

Ek kaam ki baat: mandate kisi bhi UPI app se cancel ho sakta hai jo us bank account se linked hai — zaroori nahi ki usi app se jisme wo bana tha.

Ek zaroori baat

UPI app se mandate cancel karne par sirf debit rukta hai, service cancel nahi hoti. Merchant ke saath subscription alag se cancel karein, warna paisa bakaya reh sakta hai.

FAQ

Mandate cancel karne se CIBIL score kharab hota hai? Nahi — sirf loan EMI mandate alag hai, kyunki EMI miss hone se score girta hai.

Kya mandate apne aap expire ho jaata hai? Nahi, wo apni end date tak chalta rahega — beech mein band nahi hota.

Conclusion

UPI AutoPay tabhi convenient hai jab aapko pata ho ki kitne chal rahe hain. Aaj apni list dekhein aur jo faltu hai use hata dein.