How to disable UPI credit card payments temporarily

UPI credit card payments have simplified digital transactions by enabling users to connect their credit cards to Unified Payments Interface systems. This allows for card-free payments of shopping, bills, and merchants. But at times users may want to switch off UPI credit card payments temporarily to curb spending, bolster security, or have a better handle over finances.

Knowing how to pause or disable these payments can help users keep their credit usage in check while still enjoying other aspects of digital banking.

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UPI is a real-time payment system developed by the National Payments Corporation of India that enables users to link bank accounts and credit cards to mobile payment applications. Once a card is linked, users can pay through UPI apps without having to provide card details each time. Several UPI platforms enable linking RuPay credit cards to make payments available to UPI-accepting merchants. Although this functionality enhances convenience, others may want to switch it off briefly to be secure, or not waste valuable credit.

Why you should disable UPI credit card payments for a while

Some of the good reasons to disable UPI credit card payments. One frequent motivation is improved cost management. Pausing is designed to help users control their spending and prevent them from going over their credit limit.

Security issues are a big factor, too. If a user suspects unauthorised access or loses their mobile device, disabling UPI credit card payments can minimize the potential for fraudulent transactions. Others turn off credit card payments while traveling, updating their systems, or auditing their habits. Being able to easily reactivate the service later is what makes temporary disabling such a flexible power.

Also Read: How to Get a Credit Card with Just a ₹2,000 FD in India

UPI credit card payments through UPI apps to be disabled.

Most UPI apps include easy ways to switch linked credit cards. Top apps like Google Pay, PhonePe and Paytm let users manage the payment settings within the app.

To turn off UPI credit card payments temporarily, users can typically open the app, go to the payment methods / bank accounts section, and choose the linked credit card. From that point, the card can be deleted, disconnected or transaction disabled. Removing the card doesn’t cancel the credit card but merely stops it from being used via UPI.

If needed, users can also reconnect the credit card later by re-verifying. This is what makes it reversible and handy.

Also Read: How to Create a UPI QR Code for Your Shop or Business?

To block UPI transactions through bank mobile apps

Another option to turn off UPI credit card payments is via the issuing bank’s mobile banking app. A number of banks enable users to manage card controls and transaction permissions directly. In the card management or security suite, users can often turn off online transactions, block UPI, or merchant payments. And if you cannot open the UPI app, then blocking UPI transactions through bank temporarily adds a layer of security.

Bank-level controls tend to be effective immediately and persist until the user reactivates the service.

Pause credit cards with card controls

Some banks do provide card controls that let you turn on or off types of transactions. These could be settings to turn off domestic payments, online or contactless usage. Limiting online or digital transactions would automatically block UPI credit card payments.

These types of controls are especially useful if users want temporary restrictions without having to pull the credit card from payment platforms. When financial or security issues clear, the settings can be reversed with ease.

Also Read: UPI vs Wallet Payments: Which One Should You Use?

Contacting customer support for assistance

If users cannot turn off UPI credit card payments through apps or online settings, reaching out to the card issuer’s customer support is another alternative. CS agents can either block UPI transactions, or walk users through it.

It’s particularly handy in such emergency scenarios as suspected fraud, device theft or unauthorised transactions. Customer support can also assist users comprehend how disabling payment features will affect them.

Conclusion

UPI credit card payments are handy and fast for digital payments, but there are times when turning them off temporarily comes in handy. Be it for budgeting, security or convenience reasons, users can temporarily halt UPI credit card payments via payment apps, bank apps or customer support. Knowing your options gives you the opportunity to use your credit wisely while still being flexible with your digital payments.

FAQs

Do I need to cancel my credit card to disable UPI credit card payments?

No. When you disable UPI credit card payments, it will only stop you from making payments using UPI. You will still be able to use your credit card with other payment methods.

How long does it normally take to disable the ability to use UPI credit card payments?

Typically, it will be nearly instantaneous when you disable UPI credit card payments (if you do so via your UPI app or banking app). However, your bank may also impose restrictions on your card(s) to disable UPI credit card payments nearly instantaneously.

Will disabling UPI credit card payments impact my credit score?

No. Temporarily disabling payments via UPI will not impact your credit score. Your credit score is primarily based on how well you repay your debt and how much credit you are using.