Why did my UPI transaction fail?
UPI payments are usually quick and seamless, but at times a transaction may not go through due to technical or banking-related issues. Some of the most common reasons for UPI payment failure are when you don’t accept the UPI request within 5 minutes or when you enter an incorrect UPI ID (VPA).
Also, when you exceed the daily transaction limit of 35 UPI transactions per day or when you exceed your bank’s UPI transfer limit, your UPI transaction fails. For capital market investments, UPI transfers are capped at ₹5 lakh per transaction. Additionally, your bank may apply additional restrictions per transaction. Understanding why it failed can help you take the right steps to resolve it and try again successfully.
Common error codes for UPI Payments - Below are a few error codes you might encounter in case of transaction failure. This list will help you understand the errors you are facing and take appropriate action.
Error Code | NPCI Description | Error Description |
B3 | TRANSACTION NOT PERMITTED TO THE ACCOUNT | Transaction not permitted to the account. It could be due to several reasons including minor account, proprietor account, legal case against this account or NRE transfer. |
RNF | RECORD NOT FOUND |
You have not completed the transaction. Kindly try again and complete the transaction |
U16 | RISK THRESHOLD EXCEEDED | Your first UPI payment can only be a maximum of 5000 Rs. Kindly try again with a smaller amount. |
U30 | DEBIT HAS BEEN FAILED | Your bank is temporarily not accepting the transfer request. Kindly try after some time. |
U69 | COLLECT EXPIRED | The transaction was not completed within the specified time. Kindly re-initiate the transaction. |
Z6 | NUMBER OF PIN TRIES EXCEEDED | You have exceeded the number of attempts to enter your PIN. Kindly try after some time. |
Z7 | TRANSACTION FREQUENCY LIMIT EXCEEDED AS SET BY REMITTING MEMBER | You have exceeded the number of transactions for the day. Try again after 24 hours. |
Z8 | PER TRANSACTION LIMIT EXCEEDED AS SET BY REMITTING MEMBER | You have exceeded the number of transactions for the day. Try again after 24 hours. |
Z9 | INSUFFICIENT FUNDS IN CUSTOMER (REMITTER) ACCOUNT | You have an insufficient amount in your bank account. Kindly transfer the required amount and try again. |
YC | DO NOT HONOUR (REMITTER) |
|
ZM | INVALID / INCORRECT MPIN | You have entered an invalid/incorrect MPIN. Kindly re-initiate the transaction. |
U67 | DEBIT TIMEOUT | The transaction request is timed out. Try again later. If your money is deducted, your bank will refund it within 1 working day. |
ZA | TRANSACTION DECLINED BY CUSTOMER | You have declined the transaction request. Kindly re-initiate the transaction. |
ZE | TRANSACTION NOT PERMITTED TO VPA by the PSP | Your bank is temporarily not accepting the transfer request. Kindly try after some time. |
U66 | DEVICE FINGERPRINT MISMATCH | Your payment failed due to a fingerprint mismatch. Please try again. |
U28 | PSP NOT AVAILABLE | Your bank is temporarily not accepting the transfer request. Kindly try after some time. |
UT | REMITTER/ISSUER UNAVAILABLE (TIMEOUT) | Your payment failed due to a temporary technical issue at your bank. Kindly try after some time. |
XH | ACCOUNT DOES NOT EXIST (REMITTER) | Your bank is temporarily not accepting the transfer request. Kindly try after some time. |
K1 | SUSPECTED FRAUD, DECLINE | Transactions declined based on risk score by remitter. |
XY | REMITTER CBS OFFLINE | Your bank couldn’t connect to its core banking system, so the transfer failed (common in UPI/IMPS). The money is usually auto reversed or may need a retry or bank complaint. |
XB | INVALID TRANSACTION OR IF MEMBER IS NOT ABLE TO FIND ANY APPROPRIATE RESPONSE CODE (REMITTER) | Your bank couldn’t identify a valid response or transaction status, so the transaction was treated as invalid and failed. |
YE | REMITTING ACCOUNT BLOCKED/FROZEN | Contact the bank to know the reason (KYC, compliance, or security issue) and get the account unblocked before retrying. |
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