Currently, all payments are made through UPI apps. However, some people encounter issues with this system when a payment is made; it stays pending.
This causes delays in returns and creates uncertainty about whether the payment will go through. People facing such problems can file complaints.
The Unified Payments Interface (UPI) has become integral to our daily transactions, making money transfers and bill payments incredibly convenient.
However, server problems and technical glitches can sometimes disrupt this seamless experience. Understanding the procedures for filing a UPI complaint is essential for all UPI users to navigate such issues.
Common Problems with UPI
The following Common Payment errors occurred while using UPI, ranging from PIN errors to transaction failures.
- Issues with the UPI PIN
- Transaction errors
- Incomplete transactions
- Payments going to the wrong account
- Pending or declined transactions
- Exceeding transaction limits
- Problems with connecting, changing, or deleting bank account details
- UPI application login errors
- Registration Issues
- OTP errors
What should you do if you encounter transaction problems?
You can file a complaint with the National Payments Corporation of India (NPCI), the governing body of UPI if you encounter problems during a UPI transaction.
Sometimes, money is debited from a bank account but does not reach the intended recipient. In such cases, you must follow the steps below to report the failure of the UPI transaction.
How to File a Complaint on NPCI Portal
- Visit the NPCI website and click on the What We Do menu. Then, select the UPI option.
- Click on Dispute Resolution Procedure in the UPI section.
- Select the transaction option in the complaint section.
- Select the nature of the transaction as per your complaint.
- Select Issue Transaction Failed, Amount Debited and briefly describe your UPI issue.
- Enter the Transaction ID, Bank Name, UPI ID, Amount, Transaction Date, and Email Address.
- Provide your registered mobile number and upload a photo of your updated bank statement.
It is of utmost importance to ensure that all details are accurate when filing a complaint. By following these steps and taking responsibility for the accuracy of your information, you can effectively resolve UPI transaction issues and ensure safer transactions in the future.