To make digital transactions convenient and quick, UPI payments via UPI apps were designed. But there are times when these transactions can show as failed even when the amount has been deducted from the bank account. This becomes confusing, especially when the recipient has not received any money.
It is advised not to panic during such situations, as the transaction can be reversed, or the amount can be credited back. It is helpful to learn what you should do next to handle the situation without making any other payments.
Why Can a UPI Payment Fail After Money Is Deducted?
Here are some of the common reasons why you can face a UPI payment failure in your UPI app after money is deducted from the bank account:
- While the sender’s bank may have completed the debit, the receiver’s bank can go offline or respond too slowly due to downtime or gateway timeout.
- Right after the bank deducts the amount, your network drops in between, interrupting the transaction.
- The recipient’s account has been blocked or has reached its credit limit, which can lead to rejection of incoming credit.
- Heavy congestion of traffic during peak hours can lead to lag and drops, which trap the updated status.
What Happens to the Deducted Money?
The money is not generally lost if the UPI payment via the UPI app fails after the amount is deducted. The transaction goes through a reconciliation process between the relevant banks and payment systems.
The amount may be reversed automatically and credited back to the sender’s account. It usually depends on the banks and the nature of the transaction, including how much time it takes. So, give the process some time and don’t just assume that your money is gone permanently.
Should You Make the Payment Again?
It is advised to check the transaction status first before you make another payment. It is a possibility that the transaction is still being processed, and making another payment can lead to duplicates. In these situations, UPI apps are extremely useful for checking the details and transactions.
Make sure you check these things before retrying:
- Status of the transaction
- Recipient’s account and UPI ID
- History of the payments
- Balance of the bank account
- Notification from the bank or payment platform
How Can You Track a Failed UPI Transaction?
Most UPI platforms provide transaction history, allowing users to review previous payments. Keeping the transaction reference or relevant payment details also makes it easier to communicate with the bank or payment service provider if you need to raise a complaint.
A UPI app can help users check:
- Transaction status
- Payment details
- Recipient information
- Transaction history
- Refund or reversal updates, where available
How Can You Avoid Duplicate Payments?
It can create certainty when a failed transaction happens, especially when the recipient is waiting for the payment. Make sure to always verify the original transaction status to reduce the possibility of paying twice.
Ensure that the transaction reaches a final status where possible when the payment is marked as pending. If the transaction is showing as failed, make sure to check whether the sum has been reversed before you make another payment. Using a reliable UPI app and regularly reviewing payment history can make this process easier.
Conclusion
UPI has changed how people handle everyday transactions by making payments faster and more accessible. From QR payments and money transfers to balance checks, bill payments, and mobile recharges, a UPI app can bring several useful features together in one place.
Bajaj Pay UPI and UPI Lite offer features designed for convenient everyday digital payments. Users can scan QR codes, pay contacts, transfer money to a bank account or UPI ID, check balances and view payment history.
The platform also supports payments for gas, electricity, credit card bills, loan repayments, DTH and FASTag, along with mobile recharges. This lets users manage several routine payments through a convenient digital platform.
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