> ## Documentation Index
> Fetch the complete documentation index at: https://faq.universalaccountservicing.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Opting out of AutoPay

> Turn off automatic payments, and what happens to a payment already scheduled.

<Warning>
  **Timing matters more than the steps.** Opting out stops future payments — it does not
  automatically stop one already scheduled.

  To stop a scheduled payment, give us notice at least **three business days** before its date.
  Same-day and in-process payments cannot be stopped.
</Warning>

## Turning it off

<Steps>
  <Step title="Open AutoPay">
    Sign in, open the menu and select **Autopay**.
  </Step>

  <Step title="Select Opt-Out">
    That is it. Automatic payments stop from that point.
  </Step>
</Steps>

You can also withdraw your authorization by calling us, by email, or in writing to the address on
your AutoPay authorization. The portal and the phone are faster, and if a payment is close, speed is
the thing that matters.

<Info>
  **However you say it, it counts.** You do not have to use the word "revoke", you do not have to
  put it in writing, and you do not have to reach a particular department. Telling us to stop taking
  the payment is effective the moment we receive it, in whatever channel you used.

  Once you have withdrawn it, we will not take that payment — and we will not retry a payment of
  yours that was already returned.
</Info>

<Card title="Contact us" icon="phone" href="/getting-help/contacting-uas">
  Call if a scheduled payment needs stopping.
</Card>

## Stopping it through your bank

You can also tell your own bank to stop an automatic payment. Contact them at least **three business
days** before the scheduled date.

Doing it this way is your right, and we do not treat it as anything other than what it is. If we
learn your bank has stopped a payment, we stop originating against that method until you tell us
otherwise.

<Tip>
  **Tell us as well as your bank.** A bank stop payment blocks the debit; it does not cancel your
  AutoPay authorization with us, and it does not pay what you owe. Opting out in the portal does
  both halves of the job.
</Tip>

## Your payments do not stop

Opting out ends the automatic payment, not the obligation. You still owe your monthly payment, and
you will need to [pay another way](/payments/ways-to-pay) from that point.

<Tip>
  If the reason you are opting out is the **amount** rather than AutoPay itself, you may not need to
  opt out at all — [change your AutoPay amount or method](/autopay/changing-autopay) instead.
</Tip>

## If you are opting out to delete a payment method

That is the right order. A payment method AutoPay is using cannot be deleted, so opt out first, then
remove it — see [Managing your saved payment methods](/payments/managing-payment-methods).

If you only want to stop using that particular card, switching AutoPay to a different method is
simpler than opting out.

## If you have a promotional offer

<Warning>
  A missed payment can end a [promotional offer](/promotional-offers) early, and the interest that
  has built up is then owed. If you turn AutoPay off, put your due date in your calendar the same
  day.

  Turning on the **Payment Past Due** and **Promotional Term Expiring** alerts is worth doing at the
  same time — see [Alerts and paperless statements](/signing-in/alerts-and-paperless).
</Warning>