Like any other digital platform, UPI is not immune to issues. Users may encounter failed transactions, wrong transfers, or unauthorized debits. To raise a complaint about a UPI transaction, call 18001201740 or email upihelp@npci.org.in.
This article will guide you through filing a UPI complaint to resolve such issues.
You can reach out to the BHIM helpline at the following toll-free number to seek assistance on UPI-related issues.
You can access the helpline at any time from anywhere in India.
You can also receive assistance through the email support system. Just write to the following email ID to report your grievance -
If you have a UPI transaction that you want to dispute, follow these steps to get a resolution without delays.
Open your UPI app, check Transaction History, select the failed transaction, and copy the 12-digit UTR number.
Most "debited but not credited" errors auto-reverse within 48 hours. Check your official bank statement to confirm.
Go to the transaction details, tap Report Problem or Raise Dispute, select your issue, and submit.
If unresolved, reach out to your bank via customer care, branch, or net banking. Provide the UTR number, amount, date, and get a Complaint Reference Number.
If the bank does not resolve it within 30 days, lodge a complaint on the RBI CMS portal (cms.rbi.org.in).
You can file a UPI complaint by following these steps:
Step 1: Go to the UPI Dispute Redressal Mechanism page.
Step 2: Scroll down to the “Complaint” section.
Step 3: Select the tab related to your complaint (Transaction, PIN, Account, Registration, SMS, Login, Others).
Step 4: Select the “Nature of the transaction” (person to person, person to merchant) and “Issue type”
Step 5: Enter your bank name, transaction ID, UPI ID, amount, transaction date, email ID, and other required information.
Step 6: Provide your registered mobile number and attach a copy of your updated account statement.
Once the complaint has been registered, you can check the status of your complaint by following these steps:
Step 1: Visit the NPCI User Complaint Status page.
Step 2: Select your “Product type,” select your Bank, and enter the CRN number.
Step 3: Enter the captcha and click on “Get Status.”
You will get the status of your complaint.
What is UPI?
UPI is an instant payment system developed by the National Payments Corporation of India (NPCI). It allows users to transfer funds instantly between two bank accounts.
UPI is the system that allows apps like Google Pay, Paytm, PhonePe, Moneyview UPI, etc., to make instant transactions from your smartphone.
NPCI is an initiative of the Reserve Bank of India (RBI) and the India Banks’ Association (IBA) that functions as an organization for operating retail payments and settlements in India.
It is a not-for-profit organization under Section 8 of the Companies Act 2013. It intends to provide infrastructure for payment and settlement systems for the entire banking sector in India.
A UPI transaction that fails or gets sent to the wrong recipient can be a distressing situation. There are a few steps you can take to prevent or reduce the number of UPI disputes:
Verify Recipient Name: Always check the beneficiary name on the screen before entering your UPI PIN. If it does not match, cancel immediately.
Never Share PIN, OTP, or Screen: No bank or UPI app will ask for your PIN over a call, SMS, or email.
Link a Secondary Account: Keep your main savings in an unlinked bank account and use a separate account with limited funds for daily UPI usage.
Set Transaction Limits: Lower your daily and per-transaction UPI limits in the app to reduce potential fraud losses.
Enable Direct Bank Alerts: Turn on SMS and email alerts from your bank—do not rely solely on app notifications.
Check Weekly Bank Statements: Routinely review your bank statement via net banking or passbook, as apps may occasionally miss transactions.
Most UPI users eventually face some sort of transaction issue. Sometimes, these issues are caused by technical glitches, bank downtimes, incorrect UPI PINs, insufficient balance, incorrect details of the receiver, and poor internet connection.
These problems usually either get resolved on their own or once the user enters the correct details. But sometimes users may need to raise a complaint to resolve issues during transactions such as:
Users may also face PIN, account, registration, or SMS-related problems.
For these issues, you can use the UPI dispute redressal mechanism. If the problem is still not resolved, you can approach the banking ombudsman or the ombudsman for digital complaints.
As digital transactions continue to grow, being informed about how to handle potential issues is crucial for maintaining a smooth and secure payment experience.
Filing a UPI complaint is a straightforward process that ensures users can resolve any issues they encounter during digital transactions. Utilizing the UPI dispute redressal mechanism and reaching out to the NPCI helpline or email support can provide additional assistance when needed.
Now you can send or receive money in a flash with Moneyview UPI!
You can call Google Pay’s toll-free helpline at 1800 419 0157 or initiate chat support through the app to register your complaint.
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Disclaimer
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This article is for informational purposes only and does not constitute financial or legal advice. Always consult with your financial advisor for specific guidance.
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