Reasons Why UPI Transactions Fail and How to Solve Them

UPI has made money transfers fast and simple for everyday use. From paying small bills to sending money across banks, it works almost instantly.

But there are times when the transaction fails or shows an error. It happens even though your internet and details seem fine. It can be stressful, especially if the amount is debited from your account.

If you’ve faced a UPI payment failure, there’s no need to panic. Most issues are temporary and easy to fix.

Common Reasons Why UPI Payments Fail

UPI is designed to be quick and reliable. But every now and then, a payment may not go through. Here are the most common reasons for UPI payment failure:

• Insufficient or low balance: If your bank account doesn’t have enough money, the transaction will fail automatically
• Wrong details: A mistake in the UPI ID, account number or IFSC can cause the payment to bounce
• Weak internet: UPI needs a strong and stable connection. A slow network may stop the payment midway
• Bank-side issues: Sometimes, a UPI issue at receiver’s bank or even your own bank may block or delay the transaction
• Wrong PIN: Entering the wrong UPI PIN too many times can lead to a failed attempt
• Limit exceeded: Every bank sets a daily or per-transaction limit. If you’ve hit that limit, your payment will fail

Understanding these common reasons can help you avoid UPI payment failure and make your next UPI transfer smooth.

How to Fix UPI Payment Failures?

If you ever find your UPI not working, don’t stress. A quick check usually helps. Here’s what you can do:

• Check your balance: First, see if your account has enough money. UPI payments won’t go through if funds are low.
• Update your UPI app: Using an older version of the app can cause bugs or slowdowns. It’s best to keep it updated.
• Use a strong internet connection: A weak signal can interrupt the payment. Try switching to mobile data or a better Wi-Fi.
• Reset your PIN if needed: If you’ve entered the wrong PIN too many times or just forgot it, go to the app and reset it. It only takes a minute.
• Stay within limits: Banks set daily and per-transaction limits. If you’re hitting those, the payment won’t go through. You can check the limit inside your app or bank settings.
• Wait and retry: Sometimes the problem is just server load. Give it a few minutes and try again; that’s often all it takes.
• Check receiver details: Before you hit send, double-check the UPI ID or account number. A small typo can block the whole payment.

Just going over these basics can usually help you complete the payment without much trouble.

How to Track a Failed UPI Transaction?

Tracking a failed UPI payment is easy. Just open your UPI app and head to the payment history. You’ll usually find all the details there in just a few taps.

• Open your UPI app
• Go to the ‘Transactions History’ tab
• Find the failed payment. It will usually be marked as ‘Failed’ or ‘Declined’
• Tap on it to view details like the time, transaction ID and refund status

You can also check your bank statement to confirm if the money was debited. 

What to Do if the Amount Gets Debited but the Payment Fails?

One of the most common issues is when a transaction failed but amount debited from your account. This can feel stressful, but in most cases, the money is returned automatically.

• You’ll usually get a refund within a few hours.
• In some cases, it may take up to 5-7 working days.
• If the refund takes longer, raise a complaint in your UPI app. You can even contact your bank directly.

This is known as the UPI failed transaction refund time, and it depends on your bank’s processing speed. 

When to Contact Support

If your refund is taking too long or the status hasn’t updated, it’s best to report the issue. 

You can reach out to:

• Your bank’s customer care: Through the app, a phone call or by visiting the branch
• Your UPI app’s support team: Apps like Google Pay, PhonePe and Paytm offer in-app help and email support
• NPCI: If both your bank and app don’t resolve the issue, you can escalate it at npci.org.in

Keeping your transaction ID handy makes the process faster.

It can get frustrating if your UPI payments fail often and refunds take time. In such cases, using a credit card for daily spends can be a helpful option. It makes payments easier and adds cashback rewards too.

Consider the Fibe Axis Bank Credit Card. It has no joining or annual fees, and gives 3% cashback on food, commute and entertainment! 

Download the Fibe app and enjoy a simpler, more rewarding way to pay!

FAQs on Why UPI Transactions Fail and How to Solve Them 

Why is my UPI payment getting failed?

UPI payments can fail due to incorrect details, low balance, network issues or technical errors at the bank’s end. Always check all details and your connection before retrying.

How to get a refund for a failed UPI transaction?

If your payment fails but the amount is debited, the refund is usually processed automatically. This may take a few hours to a few working days. You can also raise a dispute in your UPI app.

How do I track a failed UPI transaction?

Go to the ‘Transactions History’ section in your UPI app. Look for the failed entry. It will show the status and give you a reference number. You can also check your bank account statement for confirmation.