Neutral impactSector
Blocked or replaced your debit card but still have active subscriptions? Here’s how recurring payment mandates work
Mint 1 hr ago·11 Oct 2026, 7:59 am
Blocking a debit card does not automatically stop recurring payments for subscriptions or bills. This is because these charges are often linked to an 'e-mandate' or 'UPI AutoPay' authorization. This digital instruction allows a merchant to debit your account automatically on a specific date, regardless of whether the physical card is active or has been replaced. Consequently, you might continue to be charged even after you have cancelled the service or blocked the card.
This situation matters to investors as it highlights the importance of active account monitoring. While it is a consumer issue, it can impact your cash flow and financial planning. To prevent unwanted debits, you should proactively cancel the mandate directly with the merchant or through your bank's app before blocking the card. Always check your bank statements to ensure no unauthorized recurring transactions are slipping through.
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