How To File A UPI Complaint: A Step-By-Step Guide
The Unified Payments Interface (UPI) has made managing financial transactions seamless, offering users the convenience to send and receive money, pay bills, and complete transactions effortlessly. However, despite its advantages, users may occasionally encounter issues like technical errors, unauthorized transactions, or delayed payments. Here’s a step-by-step guide to help you file a UPI complaint and resolve such problems effectively.
Common UPI Issues You Might Face
Before filing a complaint, it’s helpful to understand the types of UPI issues you could encounter:
- PIN Issues
Troubles with your UPI PIN, such as blocked PINs or errors, can disrupt transactions. - Processing Issues
This includes cases where money is debited without a successful transaction, payments sent to wrong accounts, pending or declined transactions, exceeding transaction limits, or transactions timing out. - Account Issues
Difficulties may arise when linking or fetching account details, changing or removing an account, or deregistering from UPI. - Other Issues
Problems like login failures, registration errors, or OTP issues also fall under this category.
Understanding these issues will help you accurately address them when filing a complaint.
Steps to File a Complaint for a Wrong UPI Transaction
If your UPI transaction is incorrect, you can file a complaint with the National Payments Corporation of India (NPCI) as follows:
- Visit the official NPCI website and select the ‘UPI’ option under the ‘What we do’ tab.
- Navigate to the ‘Dispute Redressal Mechanism’ under the ‘UPI’ section.
- Scroll down to the ‘Transaction’ option in the ‘Complaint’ section.
- Choose the ‘Nature of the transaction’ relevant to your issue.
- Select ‘Incorrectly transferred to another account’ and briefly describe your problem.
- Provide details like the transaction ID, bank name, UPI ID, amount, transaction date, and email ID.
- Enter your registered mobile number and upload a picture of your updated bank account statement.
- Ensure all information is accurate for faster resolution.
Steps to File a Complaint for a Failed UPI Transaction
For failed UPI transactions where the amount was debited, you can file a complaint by following these steps:
- Visit the NPCI website and go to the ‘What we do’ tab to select ‘UPI.’
- Click on ‘Dispute Redressal Mechanism’ under the ‘UPI’ section.
- Scroll down to the ‘Transaction’ option under the ‘Complaint’ section.
- Select the appropriate ‘Nature of the transaction.’
- Choose the issue ‘Transaction failed but amount debited’ and describe the problem briefly.
- Fill in details such as the transaction ID, bank name, UPI ID, amount, transaction date, and email ID.
- Enter your registered mobile number and upload a photo of your updated bank account statement.
- Double-check all details to ensure a smooth and quick resolution.
By following these steps, you can efficiently handle UPI transaction issues, ensuring your digital payments are secure and hassle-free in the future.