UPI Complaint: How to Report a Wrong UPI Transaction

Q: How can I register a complaint about a UPI transaction?

You can register a complaint on the NPCI website via the UPI Dispute Redressal page. Provide transaction details and your contact information to submit the complaint.

Q: How do I register a UPI complaint on the BHIM app?

Open BHIM → Transaction History → select the problematic transaction → Raise Concern → submit with the required details.

Q: How do I find my complaint number in BHIM UPI?

Visit BHIM’s official website → More → FAQs → Help & Support. You can obtain the toll-free support number there to inquire about your complaint reference, or check in-app complaint/raise concern history for the reference ID.

Q: How to report a wrong UPI transaction on PhonePe, Google Pay, BHIM?

Call the NPCI UPI helpline at 1800-120-1740 or file a case on NPCI’s Dispute Redressal portal. Include transaction ID, issue type, bank/app, amount, date, and your contact details. You can also raise a ticket inside each app and with your bank.

Q: What should I do if I made a wrong payment?

Contact the recipient to request a reversal. In parallel, raise a complaint in your UPI app and with your bank, and lodge a case on NPCI’s UPI dispute page with full transaction details.

Q: How can I complain to the RBI about UPI payments?

First complain to your bank/UPI app and escalate if unresolved. If you’re dissatisfied with the bank’s resolution, file a complaint with the RBI Integrated Ombudsman Scheme through the CMS portal.

Q: How long does NPCI take to address a UPI complaint?

Most cases are resolved in about 3–5 business days after registration, though complex cases may take longer.

Q: What is the UPI complaint number?

NPCI UPI toll-free helpline: 1800-120-1740.

Q: Can I get a refund for a wrong UPI transaction?

Yes, if the recipient agrees to return the funds or if your dispute is resolved in your favor. If the recipient doesn’t cooperate, raise a complaint via your UPI app, your bank, and NPCI’s portal for investigation.

Q: What to do if I enter the wrong UPI PIN while making a payment?

The payment will fail. Repeated wrong PIN attempts can temporarily block UPI transactions as per your bank’s policy. Wait for the cooldown, reset your PIN if needed, and ensure you enter the correct PIN next time.

Dipali Waghmode
Nov 12
5 min read

UPI Complaint: How to Report a Wrong UPI Transaction

Digital payments gained prominence in 2016 when the National Payments Corporation of India (NPCI) launched the Unified Payment Interface (UPI). Without their banking credentials, you can now quickly pay peers and merchants. All you require is their mobile number or Virtual Payment Address (VPA). While UPI transactions are convenient, you might sometimes face issues due to technical glitches, slow bank services, or other hiccups. It is vital to know how to file a complaint about a UPI transaction when these situations arise. Here's a manual.

Types of UPI Issues

Steps to Raise a Wrong UPI Transaction Complaint

Steps to Complain About a Failed UPI Transaction

Details Required to File a UPI Transaction Complaint

UPI Complaint Number

Steps to Track NPCI UPI Complaint Status

Conclusion

FAQs

Types of UPI Issues

When getting ready to file a UPI complaint, it is necessary to understand the different types of UPI issues you might face. Here’s a rundown of the various UPI problems for which you can submit a complaint.

PIN Problems: You might run into trouble completing your UPI transaction because of personal identification numbers, UPI PINs, or errors related to your PIN.
Problems with Processing: Money taken out of the account but the transaction failed, indirect transactions to the wrong account, pending or denied transactions, threshold surpassed, or transaction timed out are examples of processing difficulties.
Account complications: Before you dive into a UPI transaction, you might want to tweak a few things in your account. However, you can encounter hiccups, such as trouble linking or fetching your account details, issues with updating or removing an account, or even difficulties with deregistering.
Other Problems: In addition to the issues discussed, you might encounter challenges such as being unable to log in, challenges with app registration, or difficulties with OTPs.

Steps to Raise a Wrong UPI Transaction Complaint

If you're having trouble with a UPI transaction, don't worry! You can easily file a complaint about a wrong transaction with the National Payments Corporation of India (NPCI). To begin, follow these easy steps.

Step 1: Go to the "What we do" tab on NPCI's official website and choose the "UPI" option.

Step 2: Choose "Dispute Redressal Mechanism" from the "UPI" menu.

Step 3: Navigate to the "Transaction" option in the "Complaint" section.

Step 4: Based on your complaint, choose the "Nature of the transaction."

Step 5: Select "Incorrectly transferred to another account" and provide a brief description of the problem.

Step 6: Click "Submit" after entering the transaction ID, bank name, rupees, transaction date, and email address.

Make sure all the information is accurate so the officials can properly examine the problem and find a quick solution.

Steps to Complain About a Failed UPI Transaction

It can be annoying when a UPI transaction fails, but you can file a complaint to fix the problem as soon as possible. You can take the following easy steps to file a complaint about a failed UPI transaction:

Step 1: Go to the "What we do" tab on NPCI's official website and choose the "UPI" option.

Step 2: From the "UPI" menu, choose "Dispute Redressal Mechanism."

Step 3: Navigate to the "Transaction" option in the "Complaint" section.

Step 4: Based on your complaint, choose the "Nature of the transaction."

Step 5: Select "Transaction failed but amount debited" as the problem and briefly describe it.

Step 6: Click "Submit" after entering the transaction ID, bank name, rupees, transaction date, and email address.

Details Required to File a UPI Transaction Complaint

To facilitate a seamless redressal procedure, you should have the following information on hand when you wish to file a complaint about a failed or incorrect UPI transaction:

Date of transaction
URL for email
Problem with the transaction
Details of a bank account
ID or transaction reference number

UPI Complaint Number

If you need to file a complaint regarding UPI, you can reach out to the official NPCI UPI complaint number at 1800-120-1740. This line is open 24/7, so you can voice your concerns whenever it suits you. Typically, it takes about 3 to 5 working days to get your complaint resolved after it's registered.

Steps to Track NPCI UPI Complaint Status

You can use the procedure listed below to find out the status of your NPCI UPI complaint:

Go to the NPCI's website to file a complaint.
Enter the product type and bank information after selecting "Click here to check complaint status."
Type in the Captcha code and CRN number.
To check the status of a UPI complaint, click the "Get Status" button.

Conclusion

It is crucial to file a complaint by contacting the UPI complaint number or online portal if you have made an incorrect UPI transaction or if your UPI payment has failed. To resolve your problems, you can quickly file a UPI complaint. To expedite the resolution of your complaint, you must include accurate information.

FAQs

Q1. How can I register a complaint about a UPI transaction?

The NPCI website is where you can do it. To make a complaint, visit their UPI Dispute Redressal page.

Q2. How do I register a UPI complaint on the BHIM app?

Go to your "Transaction History" on the BHIM app and click on the transaction you're having issues with to file a complaint. Next, submit your complaint by clicking "Raise Concern."

Q3. How do I find my complaint number in BHIM UPI?

To track down your complaint number in BHIM UPI, visit their official website. Go to the 'FAQs' section found in the 'More' menu. Click 'Help & Support' and search for the question that says, 'Who can I contact in case of any issues with the app?' You'll find the BHIM UPI toll-free number listed, where you can call related to any complaints or questions you might have.

Q4. How to report a wrong UPI transaction on PhonePe, Google Pay, BHIM?

If you need to report a wrong UPI transaction, call the NPCI UPI complaint number 1800-120-1740 and share the transaction details. Alternatively, you can head over to the NPCI portal and file a complaint on their ‘Dispute Redressal Mechanism’ page. Just make sure to include all the necessary information, like the nature of the transaction, the type of issue, transaction ID, bank details, amount, transaction date, and your email ID.

Q5. What should I do if I made a wrong payment?

Visit the NPCI website and report the matter using their UPI dispute resolution page if you paid money to the wrong individual.

Q6. How can I complain to the RBI about UPI payments?

You must file a complaint with your bank or other financial institution about UPI payments before you file a complaint with the RBI. You can formally file a complaint with the RBI Ombudsman if you're still not satisfied with the outcome.

Q7. How long does NPCI take to address a UPI complaint? After a UPI complaint is registered, it typically takes three to five business days to be resolved.

Q8. What is the UPI complaint number? To submit a complaint, contact the NPCI UPI complaint hotline, 18001201740.

Q9. Can I get a refund for a wrong UPI transaction? If you reach out to the recipient and request a refund, you can reclaim your money for an incorrect UPI transaction. If they’re not willing to help, you can file a complaint through your bank, your UPI app, or even the NPCI website.

Q10. What to do if I enter the wrong UPI PIN while making a payment?

Entering the wrong UPI PIN will cause the transaction to fail. If you continue to use the incorrect PIN, your bank might block your UPI transactions. The length of this block can differ from one bank to another.