What to do if UPI Transaction Fails

How to Fix a Failed UPI Transaction Instantly

If your UPI transaction fails, try these steps:

1. Check Your Internet Connection and ensure it's stable.
2. Verify the Receiver's UPI ID or Bank Details.
3. Ensure You Have Sufficient Balance in your account.
4. Update or Restart the App: Clear cache and check for app updates.
5. Retry After Some Time if it’s a server or bank downtime issue.

When to Contact Bank or UPI App Support for Failed Transactions

Contact support if:

1. The money isn’t refunded within 3 days.
2. Multiple transaction attempts have failed.
3. Your account is debited multiple times. You can reach out via:
4. The UPI app’s support section
5. Bank’s customer service
6. Emailing with a screenshot of the failed transaction

How Long Do UPI Refunds Take?

Typically, UPI refunds take:

1. 1–3 working days for the reversal to reflect.
2. Some banks and apps initiate refunds instantly. If it takes longer, raise a complaint with:
3. Your bank
4. Your UPI service provider

Benefits of UPI Even if Transaction Fails

Given below are the various benefits of UPI:

24x7 UPI Support in Case of Transaction Failure

The most significant benefit of UPI is that the transaction can be done anytime and anywhere. This is because there is no fixed timing set by the UPI service provider to perform transactions, unlike NEFT (National Electronic Fund Transfer) or RTGS (Real Time Gross Settlement).

Is UPI Safe if Transaction Fails?

UPI transactions are completely safe and secure as they are regulated by the National Payments Corporation of India (NPCI) and the Reserve Bank of India (RBI). You can perform UPI transactions only by using the mobile number registered with your bank account. Not only this, but the amount will be debited only when the UPI PIN is entered to complete the transaction.

UPI is Easy but What if It Fails?

UPI is one of the easiest modes of sending money from one bank account to another. The sender does not have to enter complete account details of the beneficiary, such as the account holder’s name, bank account number, IFSC code, etc., and wait for 48 hours to add the beneficiary to your account. To initiate a UPI transaction, you have to enter the receiver’s mobile number that is registered with the UPI app or UPI ID and enter the PIN to complete the transaction.

Incorrect UPI PIN

The transaction will fail if you have entered an incorrect PIN. If this is the case, you can reset your UPI PIN. To reset the UPI PIN, go to your UPI profile on the app you are using and tap on the ‘Forgot UPI PIN’ option and change the PIN.

Exceeded the Daily UPI Payment Limit

A UPI payment also fails if you have crossed the daily transaction limit. If your UPI transaction gets failed due to this reason, you can either use your other bank account, if you have any or you can retry the same transaction after 24 hours.

Incorrect Details of the Receiver

A UPI transaction may also fail if you have entered incorrect details of the beneficiary, like an incorrect bank account number or Indian Financial System Code (IFSC). So, it is extremely important to enter the correct bank details of the receiver and cross-check all the details before sending the money.

Insufficient Bank Balance

If you are sending an amount that is more than what is available in your account, the transaction will fail due to insufficient balance So, it is recommended to check your bank account balance once before sending money to another bank account.