What is ‘UPI AutoPay / UPI mandate’ on my bank statement?
This is a recurring payment processed under an e-mandate you set up through a UPI application. A merchant with an authorized mandate initiated the charge.
How it can look (made-up examples)
UPI-AUTOPAY-STREAMINGCO-1234567890UPI/MANDATE/301234567/MERCHANTUPIAUTOPAY/OTT SUBSCRIPTION
What it is
An e-mandate facility set up using a UPI application to process recurring payments.
Who charged you
A merchant with whom you established an e-mandate for recurring transactions.
How to find out what it was
- Check the pre-transaction notification sent via SMS or email at least 24 hours prior to debit, which contains the merchant name, debit amount, date and time, and e-mandate reference number.
- Review the post-transaction notification sent by your issuer, which provides the merchant name, transaction amount, reference numbers, and grievance redressal details.
Is it recurring? How to stop it
This is often a recurring debit, so expect it again unless it is stopped.
- Use the modify, revoke, pause, or unpause options directly in your UPI app.
- Withdraw the mandate or modify its validity period through your issuing bank at any time, which requires additional factor of authentication.
- Opt out of any specific upcoming transaction or the entire e-mandate via your issuer using additional factor of authentication.
- Lodge a grievance through the dispute redressal system provided by your issuer.
Step-by-step guides:
- How to cancel UPI AutoPay in PhonePe
- How to cancel UPI AutoPay in Google Pay
- How to cancel UPI AutoPay in Paytm
- How to cancel UPI AutoPay in BHIM
- How to cancel UPI AutoPay in Amazon Pay
What it costs
Charges differ by bank and change over time. What the sources say:
- All Issuers / Payment System Providers: No charges are levied to customers for availing the recurring transaction e-mandate facility.
Your own bank’s schedule of charges has the current figure.
Think this charge is fraud?
- Block it now in your bank app: freeze the card, or turn off the UPI ID or mandate that was used.
- Tell your bank straight away, through the app, net banking or its customer care, so the transaction is on record.
- Report the fraud: call the national cyber fraud helpline 1930, or file a complaint at cybercrime.gov.in.
Good to know
- Payments executed under registered e-mandates are not subject to other limits or controls configured by the customer.
- Pre-transaction notifications are exempt for mandates set up to auto-replenish NETC FASTag and NCMC balances.
- Recurring debits up to Rs 15,000 (and up to Rs 1,00,000 for insurance, mutual funds, and credit card payments) can be processed without an OTP or PIN authentication.
Questions people ask
Why did this charge go through without a PIN?
Transactions under a registered e-mandate process automatically without requiring a UPI PIN or OTP. These debits also bypass other account limits or controls you may have set.
Which merchant debited my account?
Check the SMS or email notification sent at least 24 hours before the debit, which lists the merchant name and mandate reference number. The post-transaction notification from your issuing bank also details the merchant and reference data.
Will this payment happen again?
Yes. UPI AutoPay is built for recurring debits and will repeat according to the schedule you approved. Mandates set up for NETC FASTag and NCMC auto-replenishment also trigger automatically and are exempt from advance notifications.
How do I stop or cancel a UPI mandate?
Open your UPI app to pause, modify, or revoke the mandate directly. You can also visit your bank app to withdraw the mandate, opt out of an upcoming debit, or change the validity period using an additional factor of authentication.
Is there a fee for using UPI AutoPay?
No. Issuers and payment system providers do not charge fees to customers for using the recurring e-mandate facility.
Can I dispute a mandate transaction?
Yes. You can lodge a dispute through the grievance redressal system provided by your issuing bank. Redressal details are included in the post-transaction notification sent by your issuer.
Last checked on against rbi.org.in, npci.org.in (official). Statement formats differ by bank; the examples above are made up to show the shape.