All UPI mandates at one place: How to track and end

Published 2 July 2026 · india

How UPI mandates get activated without you even knowing? ET Online How UPI autopay mandates get activated Unwanted UPI mandates and their impact on your

How UPI mandates get activated without you even knowing? ET Online How UPI autopay mandates get activated Unwanted UPI mandates and their impact on your bank balance Recurring UPI payments: How to track all your mandates at one place ET Online How to track and manage UPI mandates Picture this: you get a message on your mobile phone – ‘UPI mandate: Sent Rs 299 from XYZ Bank to ABC Services’. Now, all you are wondering is how did this amount get debited when you didn’t even authourise such a payment. Well, this is what several Indians face every month, without knowing how to even stop this.While you might not remember making that Rs 299 payment, but go back in time a few weeks and you will realise how you had opted for a ‘free’ 7-day or 30-day trial for just Rs 1 or 2, thereby triggering a silent UPI mandate. It all seems entirely safe, free and a matter of 7 or 30 days, until you get the Rs 299 debit message.“Hidden UPI mandates impact bank balance by enabling unauthorised. These are often recurring subscriptions to siphon small amounts (like Rs 199) from a user account without getting noticed by the user,” said Sameer Mathur, MD and Founder of Roinet Solution.And since mostly, there is no need for a UPI PIN for individual transaction, any large losses tend to go un-noticed.When you opt for the small ‘free’ trial, hidden in the fine print is the UPI mandate that you never saw coming.

They get activated via stealth subscriptions when you opt for any free trials that require an active mandate and automatic charging starts once the trial ends."UPI mandates have transformed the way consumers manage recurring payments by making everything from subscriptions and utility bills to EMIs and investments more convenient. However, many users remain unaware of the number of active mandates linked to their accounts, which can quietly impact monthly cash flows,” explained Amit Nigam, Executive Director & CEO, FindiBANKIT.You might have come across several social media that ask you to initiate a free 7-day or a 30-day trial for some app or a streaming service for just Rs 1 or 2. But they never clearly disclose that you will be charged the subscription fee each month on authenticating this trial.Mathur shared that streaming services and apps often use UPI Autopay for renewals or take mandates for very long periods. When a customer forgets to cancel a free trial, accounts are auto-charged creating a drain on the bank balance. It is the accidental approvals that often create repeat debit.Think of it like paying for something you are not even aware of, so it is highly unlikely that you are going to account for that in your monthly budget. Not only do you see such UPI autopay mandates, but you also start seeing a constant leak from your bank account every month.On the Google Play community page, a user recently shared a similar experience.