How To File A UPI Complaint: A Step-By-Step Guide

With the advent of the Unified Payments Interface ( UPI ), managing financial transactions has never been easier. UPI allows users to send and receive money, pay bills, and conduct various transactions without needing extensive banking credentials. Despite its convenience, users sometimes encounter issues such as slow bank servers, technical glitches, or unauthorized transactions. This guide will walk you through the process of filing a UPI complaint to resolve these problems.

Types of UPI Issues

Before filing a complaint , it’s essential to understand the different types of UPI issues you may face:

1. PIN Issues

Problems with UPI PINs, such as blocked PINs or errors, can prevent you from completing transactions.

2. Processing Issues

Issues include money being deducted without the transaction going through, transactions being sent to incorrect accounts, pending or declined transactions, exceeding transaction limits, or transactions timing out.

3. Account Issues

You may encounter difficulties linking or fetching account details, changing or removing an account, or deregistering.

4. Other Issues

These can include login failures, registration problems, or OTP errors.

Understanding these issues will help you address them more effectively.

Filing a Complaint for a Wrong UPI Transaction

If you experience problems during a UPI transaction, you can file a complaint with the National Payments Corporation of India (NPCI). Follow these steps to lodge a complaint for a wrong transaction:

1. Visit the official NPCI website and navigate to the ‘What we do’ tab to select the ‘UPI’ option.
2. Click on ‘Dispute Redressal Mechanism’ under the ‘UPI’ section.
3. Scroll to the ‘Transaction’ option under the ‘Complaint’ section.
4. Select the ‘Nature of the transaction’ according to your complaint.
5. Choose the issue as ‘Incorrectly transferred to another account’ and provide a brief description of your problem.
6. Enter the transaction ID, bank name, UPI ID, amount, transaction date, and email ID.
7. Provide your registered mobile number and upload a photo of your updated bank account statement.
8. Ensure all details are accurate for prompt resolution.

Filing a Complaint for a Failed UPI Transaction

If a UPI transaction fails, you can also raise a complaint through these steps:

1. Visit the NPCI website and navigate to the ‘What we do’ tab to select the ‘UPI’ option.
2. Click on ‘Dispute Redressal Mechanism’ under the ‘UPI’ section.
3. Scroll to the ‘Transaction’ option under the ‘Complaint’ section.
4. Select the ‘Nature of the transaction’ according to your complaint.
5. Choose the issue as ‘Transaction failed but amount debited’ and provide a brief description of the problem.
6. Enter the transaction ID, bank name, UPI ID, amount, transaction date, and email ID.
7. Provide your registered mobile number and upload a photo of your updated bank account statement.
8. Ensure all details are accurate to facilitate a quick resolution.

By following these steps, you can effectively address and resolve UPI transaction issues, ensuring smoother and more secure transactions in the future.