How to Register a UPI Complaint in 3 Easy Ways? 

bySurobhi BoseLast Updated: May 27, 2024
How to Register a UPI Complaint

UPI, which stands for Unified Payments Interface, is used by 52% of users in the country as a primary online payment method. As the number of users increases, incidents of phishing, transactional errors, and login errors are also likely to go up. This means that users will have to be careful while making a payment. If you have ever encountered any of these situations while using UPI, it is always advisable to file a UPI complaint.

You can raise a UPI complaint through various payment platforms like Paytm, NPCI, and BHIM. By filing a complaint, you ensure that your issue will be addressed and a suitable solution will be provided.

Why Should You Raise a UPI Complaint?

Raising a complaint is important for fixing any problems or mistakes that occur during UPI transactions. It helps to get your concerns addressed and the issue resolved properly.

There may be instances when people choose not to raise a UPI complaint, especially for transactions involving small amounts. However, it is essential to understand that the value of the transaction should not dictate whether or not a complaint is raised. Regardless of the transaction amount, filing a complaint helps maintain the integrity and trustworthiness of the UPI system.

Types of UPI Issues You May Encounter

  • Transactional errors: These can include failed or incomplete transactions, incorrect debits or credits, or delays in processing transactions.
  • Login errors: Users may face difficulties in logging into their UPI accounts, such as incorrect credentials or authentication failures.
  • Phishing and fraudulent activities: UPI users may become victims of phishing attacks, where fraudsters attempt to obtain sensitive information like UPI PIN or personal details to carry out unauthorized transactions.
  • Refunds and disputes: Users may need assistance with getting refunds for failed or cancelled transactions or resolving disputes related to incorrect charges or unauthorized transactions.
  • Technical glitches: UPI platforms may experience technical issues such as app crashes, server errors, or unavailability of services.
  • UPI PIN issues: Users may forget their UPI PIN or encounter difficulties in setting or changing their UPI PIN.

“Check out if you want to know what to do if your UPI transactions are getting failed!”

How to Register UPI Complaint on Paytm?

Step 1: Open Paytm app, a trustworthy UPI payment app
Step 2: Click on the ‘Profile’ icon located in the top left corner of the home screen.
Step 3: In the left sidebar that appears, select the ‘Help & Support’ option.

How to Register UPI Complaint on Paytm?

Step 4: On the next screen, tap on ‘UPI’.

Step 5: From the transaction list, tap the transaction for which you require help. Tap on ‘view more’ to see older transactions.

Step 6: Select one of the available reasons to address. Paytm will provide you with all the solutions to resolve your query.

How to Register UPI Complaint on Paytm?

How to Register UPI Complaint with NPCI?

Step 1: Visit the official NPCI redressal mechanism page.

Step 2: On the webpage, select the type of issue you are facing from the provided options such as transaction, pin, account, registration, etc.

Step 3: Enter the required information such as the nature of the transaction, issue type, transaction ID, bank name, etc.

Step 4: After entering all the necessary details, click on the ‘Submit’ button.

Step 5: Your complaint will be submitted to the NPCI, and a solution will be shared with you within a few days.

How to Register UPI Complaint on BHIM UPI?

Step 1: Open the official BHIM get in touch page.

Step 2: Choose the type of issue you are facing from the available options such as transaction, pin, cashback, etc.

Step 3: Follow the on-screen instructions provided.

Step 4: If necessary, attach any required files to support your complaint.

Step 5: Additionally, you can share feedback to express your experience or complaint.

What Information Should Be Provided When Filing UPI Complaint?

What Is UPI Customer Care Number?

You can call the BHIM toll-free number 1800 120 1740 for any questions or issues.

In conclusion, registering a UPI complaint is a vital step towards resolving any issues or errors that may arise during UPI transactions. It ensures that your concerns are heard and appropriate actions are taken to rectify the problem. Regardless of the transaction amount, it is important to understand that raising a complaint helps to maintain the reliability and trustworthiness of the UPI system. By following the necessary steps and being persistent, you can ensure that your complaint is addressed and resolved effectively.

Disclaimer: The purpose of this blog is to simplify complex processes for readers’ understanding. Please note that some information and screenshots provided may become outdated or change over time. However, we strive to keep our blogs updated and relevant to provide accurate and helpful information.


How can I get a refund for a UPI transaction?

You can contact customer care or visit your bank branch with the necessary proofs to request a refund. The refund process may take up to 45 days, depending on the accuracy of the details provided for the incorrect UPI transaction.

Is it possible to dispute a UPI payment?

Yes, you can dispute a UPI payment, especially if it was an accidental transfer. Contact your bank or UPI service provider immediately and inform them about the unintended transaction to resolve the issue.

How do I complain about an incorrect UPI payment?

If you don't receive a response from your bank after reporting a fraudulent transaction, you can file a complaint with the RBI Ombudsman. You can also contact your bank's customer care by visiting the branch or checking their website for the phone number.

How do I resolve UPI issues?

If you face any UPI issues, try waiting for a while and retrying the transaction. If the problem persists, contact your bank or the UPI service provider directly. Insufficient balance can often be resolved by ensuring you have enough funds in your account.

Can I reverse a UPI transfer?

You can only reverse a pending or failed UPI transaction. Once a transaction is successfully completed, it cannot be reversed. Therefore, it is important to double-check all the details before initiating a UPI transfer to avoid any errors or unintended transfers.

What are the common issues for which people file UPI complaints?

Some of the common issues for which people file UPI complaints include transactional issues such as indirect transfers to an incorrect account, money deducted but transaction failed, transaction pending/declined, transaction timed out, or threshold exceeded, PIN related issues such as inability to set UPI PIN, etc. and certain other miscellaneous issues which include situations where users cannot fetch or link their accounts, or they have to remove their UPI account, etc.

How long does it take to resolve a UPI complaint?

In most cases, UPI complaints get resolved within 24-48 hours of filing the complaint.

What happens after I register a UPI complaint?

After filing a UPI complaint, you will receive an acknowledgment with a reference number. The platform or bank will investigate the issue and request any necessary information. Once the investigation is complete, they will work towards resolving the complaint, which may involve refunding the disputed amount, rectifying errors, or taking appropriate action.

Can I track the status of my UPI complaint?

Yes, you can usually track the status of your UPI complaint. You can visit the platform or bank's online portal or customer service portal and log in to check the progress. Alternatively, you can contact their customer service helpline and provide the reference number or relevant details to inquire about the status. Some platforms or banks may also send email or SMS updates about your complaint. By using these methods, you can stay updated on the progress and resolution of your UPI complaint.

What documents or evidence should I gather before filing a UPI complaint?

You must have certain details such as Registered mobile number, Email ID, Date of Transaction, Your issue regarding the transaction, Bank Account Details, UPI ID, and Transaction ID handy before filing a UPI complaint.

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