Money got deducted automatically?

Find, cancel and dispute unwanted UPI AutoPay, e-mandate, NACH and subscription debits. Privately. For free.

Detect

from bank SMS

Cancel

unwanted mandates

Dispute

and get your money back

Scan SMS & Find Mandates Check Manually

Your data stays on your device. We never store your SMS.

HDFC Bank

10:43 AM

A/c XXXX5678 debited with ₹499.00 towards NETFLIX.COM.

UPI AutoPay. Ref No: 312345678901

- ₹499.00

ICICI Bank

Yesterday, 8:21 PM

E-mandate debit of ₹1,199.00 to ZOMATO LIMITED.

Mandate Ref: ICICIMNDD1234567890

- ₹1,199.00

State Bank of India

Mon, 11:07 AM

NACH debit of ₹999.00 to GYFTR INDIA PVT LTD.

UMRN: SBI123456789012345

- ₹999.00

Sample SMS preview. Bank names/logos are shown only for example identification. MandateMukti is not affiliated with these banks.

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How MandateMukti works

Scan SMS

Select and scan your bank SMS to detect mandates and debits.

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We Detect

We find UPI AutoPay, e-mandates, NACH and subscription debits.

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You Act

Cancel unwanted mandates and raise disputes.

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Get Resolution

Track what to do next and keep evidence together.

SMS Detector

Upload or paste bank SMS

Paste SMS -> detect type, amount, merchant and reference.

Detected Mandates

Review what we found

Netflix ₹499.00 Active

Wizard & Action

Cancel or dispute in a few steps

Detect -> Review -> Action -> Confirm

Evidence Pack

Everything in one place

PDF-ready complaint templates and checklist.

Guides & Help

Learn, understand, take control

What is UPI AutoPay? View guide

Paste a bank SMS. See what it might be.

Browser-only pattern matching extracts amount, reference, merchant clues, payment type, confidence, and next action.

Paste SMS → Detect Problem

Your SMS is processed only in your browser. We do not store or upload it.

Do not paste OTP, UPI PIN, CVV, full account number, or passwords.

Bank SMS or UPI message

Amount

Rs. 499

Date

10 May

Merchant

XYZ

Account hint

XX1234

UPI ref / transaction ID

123456789012

Confidence

High

Problem type: UPI AutoPay

Open your UPI or bank app, check active mandates, cancel future payment if needed, and save screenshots.

Open Cancellation Wizard Create Evidence Pack

Common problems we help you fix

Pick the situation that matches your deduction. We'll generate next steps, evidence checklist, and complaint templates.

Start Free Check

UPI AutoPay

Unknown UPI AutoPay deduction

Money was deducted but you do not recognise the merchant or mandate.

Identify merchant and reference ID
Check active UPI mandates
Create bank dispute template

Fix this issue

Subscription

Subscription renewed after cancellation

You cancelled or thought renewal was off, but a fresh debit still happened.

Save cancellation confirmation
Check merchant billing settings
Prepare refund request

Fix this issue

Subscription

Cannot find cancel button

The app, website, or payment page does not make cancellation easy to locate.

Check plan and billing screen
Look for auto-renewal controls
Send concise support complaint

Fix this issue

Refund

Merchant refusing refund

Support has denied or ignored a refund request after an unwanted recurring debit.

Organise proof and timeline
Write a firm refund email
Escalate to bank or app support

Fix this issue

Mandate

UPI mandate cancelled but service still active

The payment mandate was revoked, but the merchant still shows the subscription as active.

Cancel inside merchant app too
Save revoked mandate screenshot
Watch next billing date

Fix this issue

Loan / EMI

EMI / loan mandate still active

A loan app, EMI, or bank mandate still appears active after repayment or cancellation.

Check NACH or UPI mandate status
Ask lender for closure proof
Keep bank escalation ready

Fix this issue

Built for trust first

The MVP keeps parsing, templates, printing, and PDFs local to the browser experience.

No login required

No payment

No SMS upload

No paid API

Browser-only detection

Free templates

Guides people search for

How to cancel UPI AutoPay

General steps to find, cancel, and document a UPI AutoPay mandate, with evidence checklist and complaint template.

How to cancel UPI AutoPay on PhonePe

General guide for finding and cancelling PhonePe UPI AutoPay mandates without sharing sensitive credentials.

How to cancel UPI AutoPay on Google Pay

General steps to find Google Pay UPI mandates, stop future debits, and prepare a support template.

How to cancel UPI AutoPay on Paytm

General Paytm UPI AutoPay cancellation checklist with evidence and complaint template.

How to cancel a UPI mandate on BHIM

General BHIM UPI mandate cancellation steps, warning, evidence checklist, and template.

UPI AutoPay refund request template

Copy a polite template to request review of an unwanted UPI AutoPay debit, with evidence checklist.

Free privacy-first helper

Turn a confusing debit into clear next steps.

Generate cancellation steps, an evidence checklist, and practical complaint templates in minutes.

Start Free Check