Stop surprise auto-debits before they drain your month.
AutoPay Radar turns bank alerts, receipts, and CSV statements into a clean map of subscriptions, mandates, EMIs, SIPs, insurance, utilities, and suspicious repeat charges.
popular recurring payments detected from the sample audit
Autopay hides inside noisy transaction text.
The same merchant can appear as a UPI mandate, card debit, NACH pull, App Store renewal, or bank narration. AutoPay Radar normalizes the mess before you decide.
A/c XX1234 debited by Rs. 299.00 to NETFLIX MUMBAIUPI-Mandate executed: SIP AUTO PAY MFUTIL 5000NACH DR HDFC ERGO GEN INS 1450Paste messy alerts. Watch the parser group repeat payments.
The simulator uses the same deterministic parser pipeline as the app surface, with redacted snippets and confidence scoring.
A recurring-payment audit in four moves.
Fast enough for a first scan, structured enough to become a monitoring system.
Import
Paste alerts, upload CSV, or connect Gmail read-only when configured.
Normalize
Merchant aliases, date formats, payment rails, and debit text are standardized.
Classify
Recurring groups are scored by confidence, risk, annual cost, and next expected debit.
Act
Review cancel, pause, downgrade, reminder, and protect-important-payment guidance.
Built for Indian payment rails and real bank narration.
Optional subscriptions stay separate from important financial commitments.
UPI AutoPay
Mandate debits, retries, pause/revoke reminders.
Card renewals
OTT, software, app subscriptions, trial rollovers.
NACH
Insurance, utilities, society dues, loan pulls.
EMI and loans
Important payment warnings before cancellation.
SIP and investments
Protective classification for wealth-building debits.
Credit card autopay
Late-fee and interest risk warnings.
Unknown repeaters
Suspicious debits grouped for careful review.
Refund noise
Credits and one-off transactions filtered from recurring spend.
Not every auto-debit should be cancelled.
The report pushes entertainment and unused tools toward savings, while EMIs, SIPs, insurance, and credit-card autopay get strong caution labels.
Designed around minimization, not credential collection.
AutoPay Radar does not ask for bank passwords, OTPs, UPI PINs, CVV, full card numbers, or netbanking credentials.
SMS text, receipts, CSV
Redact, normalize, classify
Recurring items, risk, reminders
Export, delete, retention off
See the audit before sharing any data.
The sample report includes filters, recurring item evidence, risk labels, annual spend, and an upcoming debit timeline.
Small renewals become a real annual number.
Estimate the recurring spend you could review after a first scan.
Even cancelling one unused premium plan can repay a yearly audit.
Objections answered before the scan.
Privacy, payment safety, and mandate limits are explicit from the first screen.
Does AutoPay Radar need my bank password?
No. Never share bank passwords, OTPs, UPI PINs, CVV, or netbanking credentials.
Can it cancel a mandate automatically?
No. It gives guidance; you confirm changes inside your bank, UPI app, app store, or merchant account.
Are raw SMS or email messages saved?
Raw storage is off by default. Production storage keeps normalized, redacted evidence unless retention is explicitly enabled.
Will it flag EMIs and insurance as savings?
Important payments get protective warnings so cancellation decisions do not create financial damage.
Does sample mode work without accounts?
Yes. Sample scan, sample report, privacy controls, and mock payment upgrade all work in demo mode.
Run one scan before the next debit cycle.
No bank password. No raw-message storage by default. Just a readable map of where autopay is going.