title：How to Stop & Delete Auto Pay on PhonePe (Step-by-Step)

content：Why Stopping Auto Pay on PhonePe Matters

Ever noticed unexpected monthly deductions from your bank account via PhonePe? You’re not alone. The video creator shared their experience of being charged without realizing auto pay was enabled. Unmonitored auto pays can lead to unnecessary expenses—especially for forgotten subscriptions like OTT platforms or utility bills. According to PhonePe’s user support, this is a common issue for users who don’t regularly check their payment settings. This guide will help you fix it.

Key Scenarios for Auto Pay Issues

• Accidental enablement during subscription sign-ups.
• Forgotten auto-renewals for services like Netflix or Spotify.
• EMI-related auto pays that stay active until the term ends.

content：Step-by-Step Guide to Stop & Delete Auto Pay

Follow these exact steps from the video to disable auto pay on PhonePe:

1. Open PhonePe & Unlock

Launch the PhonePe app on your device. Unlock it using your PIN, fingerprint, or face ID—this ensures only you can modify payment settings.

2. Access Manage Payments

Scroll down the home screen to find the Manage Payments option. Tap it, then select View All to see all your active payment setups.

3. Locate Auto Pay Subscriptions

Scroll further to find the Auto Pay section. Tap it to view all active auto pay subscriptions linked to your PhonePe account.

4. Pause the Auto Pay

For the subscription you want to stop, tap on it. You’ll see a Pause Auto Pay button—tap this. Enter your UPI PIN to confirm (this is a security step, not a charge).

5. Delete the Auto Pay

After pausing, the Delete Auto Pay option will appear. Tap it, confirm with your UPI PIN again, and the auto pay will be permanently deleted.

Important Note: EMI-related auto pays (from purchases like phones or appliances) can’t be deleted until the EMI term is completed. They will remain active until the final payment is made.

content：Pro Tips to Avoid Unwanted Auto Pays

Beyond the video’s steps, here are exclusive tips to prevent future issues:

1. Monthly Auto Pay Check

Set a reminder to review your PhonePe auto pay section every month. This helps catch unauthorized or forgotten subscriptions early.

2. Read Terms Before Signing Up

Always check if a service requires auto pay before subscribing. Many platforms default to auto-renewal—opt out if you don’t want recurring charges.

3. Use a Low-Balance Account

Link a bank account with a low balance for subscriptions. This limits the impact of unexpected deductions and alerts you to issues faster.

content：Toolbox & Action Guide

Immediate Action Checklist

1. Open PhonePe and unlock your account.
2. Navigate to Manage Payments → View All → Auto Pay.
3. Pause the unwanted auto pay subscription.
4. Delete the subscription (if not EMI-related).
5. Confirm with your UPI PIN to finalize changes.

Recommended Resources

• PhonePe Help Center: For official troubleshooting (https://www.phonepe.com/help/). It’s a trusted source for resolving auto pay issues.
• Bank Statement Alerts: Enable SMS or email alerts for your linked bank account to get notified of every deduction.

content：Conclusion & Engagement

Stopping auto pay on PhonePe is straightforward: pause first, then delete (except for EMI plans). This guide empowers you to take control of your payments and avoid unexpected charges.

Which step did you find most helpful? Or do you have a question about EMI-related auto pays? Share your experience in the comments below—I’d love to hear from you! Don’t forget to like and share this guide if it helped you.
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