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Have you ever had the feeling that funds are vanishing from your bank account for no apparent reason?
Everything appears normal when you open PhonePe or Google Pay and look at recent transactions.
You still feel less balanced than you should, though.
You may be surprised by the reason.
👉 Hidden UPI AutoPay Subscriptions may be taking money out of your account on a monthly basis without being visible in your UPI apps.
This isn’t a fraud.
Hacking is not what this is.
Many people overlook this actual UPI system feature.
🚨 Why PhonePe and GPay Don’t Clearly Display Everything
The majority of people think that PhonePe or Google Pay will display all active subscriptions.
In actuality, though, they only display transactions and not all of your AutoPay permissions.
The National Payments Corporation of India (NPCI) oversees the storage of UPI AutoPay mandates at the UPI system level rather than just within a single app.
For this reason:
- You might give up using an app.
- The service can be uninstalled.
- However, the AutoPay authorization remains in effect.
Hidden UPI AutoPay Subscriptions operate in silence in this manner.
🤔 What Are UPI AutoPay Subscriptions That Are Hidden?
Recurring payment permissions that you previously authorized but can’t recall are known as hidden UPI AutoPay Subscriptions.
These typically occur when:
- You signed up for a tool or app.
- Once, you authorized AutoPay.
- Later, you neglected to cancel.
Without your knowledge, even tiny sums like ₹99, ₹199, or ₹399 may be taken out each month.
Most users ignore each amount because it appears small, which eventually leads to a significant money leak.
📉 How Money Is Taken Out Without Your Knowledge
In short, this is how the system operates:
- During the subscription, you authorize AutoPay.
- The mandate is centrally saved by UPI
- Every payment doesn’t require an OTP.
- Money is automatically deducted.
- There are few or no app notifications.
Hidden UPI AutoPay Subscriptions frequently remain undetected for months or even years as a result.
🔍 One Official Site That Reveals ALL AutoPay Mandates
There is only one official portal where you can see all your UPI AutoPay permissions in one place.
This portal is provided by NPCI itself — not Google Pay or PhonePe.
On this site, you can:
- View all active AutoPay mandates
- See merchant names
- Check deduction limits
- Pause or revoke subscriptions instantly
This portal is safe, official, and free.
🧾 Step-by-Step: How to Check Hidden UPI AutoPay Subscriptions
Follow these steps carefully:
✅ Step 1: Visit the NPCI UPI Help Portal
Go to the official UPI Help website managed by NPCI. Check Official Website
✅ Step 2: Select “Show My AutoPay Mandates”
This option shows all recurring payment permissions linked to your UPI number.
✅ Step 3: Enter Your UPI-Linked Mobile Number
Use the same mobile number that you use for Google Pay or PhonePe.
✅ Step 4: Verify and Login
Complete CAPTCHA and consent to view mandates.
Once logged in, you’ll see Hidden UPI AutoPay Subscriptions clearly listed.
🛑 How to Pause or Terminate Unused AutoPay Subscriptions
Once your AutoPay list has been opened:
- Pause → Temporarily halts deductions
- Revocation: Removes permission permanently
Revoke the service right away if you are no longer using it.
This one action can permanently prevent needless financial loss.
💡 Reasons for Everyone to Check AutoPay at Least Once
AutoPay mandates are rarely checked by most people because:
- There are no notifications sent.
- Apps don’t draw attention to it
- Monthly financial loss seems insignificant.
However, the annual cost of Hidden UPI AutoPay Subscriptions can reach thousands of rupees.
To be safe, you only need to check once every three to six months.
📊 An Actual Case of Hidden AutoPay Loss
Consider this:
- Monthly subscription fee: ₹399
- Not used for a year
- ₹4,788 is the total loss.
Multiply this by two or three subscriptions now.
This is how accounts are silently drained by Hidden UPI AutoPay Subscriptions.
🔐 Is Verifying AutoPay Secure?
Yes, it’s completely safe.
Bank information is not being entered.
You are only using the official NPCI system to view permissions associated with your UPI number.
Compared to depending solely on app dashboards, it is more secure.
🧠 Concluding Remarks: Manage Your Finances
When used correctly, UPI AutoPay can be beneficial.
Ignoring it allows money to discreetly exit your account.
- 👉 GPay & PhonePe won’t display everything clearly
- 👉 The NPCI AutoPay portal reveals the truth
- 👉 Hidden UPI AutoPay Subscriptions are real
Spend five minutes today reviewing your AutoPay requirements and canceling any that are unnecessary.
Your bank account will appreciate it in the future.
