UPI Transaction Failed and Money Is Debited? Here's How To Get a Refund
UPI Transaction Failed and Money Is Debited? Here's How To Get a Refund
Know How to Get a Refund for a Failed UPI Transaction

UPI payments have become an integral part of our digital lives, offering convenience and speed. However, even with their efficiency, there can be instances where a transaction fails. Whether it’s due to technical glitches, insufficient funds, or other reasons, a failed UPI payment can be frustrating. In this guide, we’ll provide you with clear and actionable steps to get your refund and ensure a smooth resolution to the issue.

How to Get a Refund for a Failed UPI Transaction

  • Keep transaction records: Save screenshots or copies of the transaction for reference.
  • Be patient: Refunds can sometimes take a few days to process.
  • Follow up: If you don’t receive a resolution within a reasonable timeframe, continue to follow up with your bank and NPCI.

If the transaction was a fraudulent attempt, inform your bank immediately and report the incident to the relevant authorities like cyber cell of police/ nearest police station.

Typically, a failed UPI transaction results in an automatic refund to your account. This usually happens within a few hours. However, if you haven’t received a refund after a reasonable amount of time, here are the steps you can take:

Check Your Bank Account:

  • Open your UPI app: Go to the “Transaction History” or “Transaction Details” section.
  • Verify the transaction status: Look for the failed transaction in your bank account’s transaction history.
  • Identify the failed transaction: Look for the transaction and check if it shows as “Failed” or “Pending.”
  • Check the refund date: If a refund has been initiated, it should be indicated in the transaction details.
  • In many cases, if the transaction fails, the amount will be automatically refunded to your account within 1-7 working days. The UPI system usually handles this automatically.

Contact Your Bank or UPI App Support:

  • Call Customer Care: If the refund is not processed within the expected time, contact your bank’s customer care or the support team of the UPI app (like Google Pay, PhonePe, Paytm, etc.).
  • If the issue is not resolved, you can raise a dispute directly within the UPI app.
  • Look for options like “Raise a Dispute” or “Report an Issue” under the specific transaction.
  • Provide Transaction Details: Be ready to share the transaction ID, date, time, and the amount involved in the failed transaction.

Contact Your Bank:

  • Reach out to customer support: Call your bank’s customer service or visit a branch.
  • Provide transaction details: Give them the date, time, and amount of the failed transaction.
  • Request a refund: If the refund hasn’t been processed, ask the bank to expedite it.

Escalate to NPCI (National Payments Corporation of India):

  • Visit the NPCI website: Go to https://www.npci.org.in/.
  • File a complaint: Look for a complaint or grievance form.
  • Provide necessary details: Fill in the required information about the failed transaction.

Approach Banking Ombudsman:

  • If all else fails, you can file a complaint with the Banking Ombudsman under the Reserve Bank of India (RBI). This is a last resort for resolving disputes related to UPI transactions.

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