Common UPI Transaction Issues and Solutions

UPI is reliable, but sometimes you may face transaction problems. Here’s how to identify and resolve the most frequent issues:

1. Failed Transactions

• Money deducted but not received by the recipient
• Error or pending status in your app

• Wait 24–48 hours for automatic reversal
• Check transaction status in your UPI app
• Contact your bank with the transaction reference number

2. Payment Declined

• Incorrect UPI PIN
• Daily transaction limit exceeded
• Bank server issues
• Outdated app version

• Verify your UPI PIN
• Check your transaction limits
• Try again later
• Update your UPI app

3. Technical Glitches

• App crashes or timeout errors
• Problems adding beneficiaries

• Restart the app
• Clear app cache
• Check your internet connection
• Reinstall the app if needed

4. Bank-Related Issues

• Account blocked or KYC pending
• Bank server maintenance

• Contact your bank’s customer service
• Verify your KYC status
• Try linking another bank account

General Tips

• Always keep your app updated
• Use a secure internet connection
• Save important transaction reference numbers
• For persistent issues, contact your bank or UPI provider

Most UPI problems resolve automatically. Stay patient, follow these steps, and reach out for help if needed!