Why My UPI Verification Failed?

If you’re setting up UPI on your smartphone for the first time and keep seeing the “UPI verification failed” message, this guide is for you. Setting up UPI is usually easy, but understanding the reason for the UPI verification failure can save you a lot of time and hassle. Just follow a few simple steps to complete your verification quickly and enjoy the flexibility of UPI for payments, recharges, and more. If you’re using Paytm or any other app, these tips will get you up and running in no time.

What is UPI Verification Failed and Why Does It Happen?

When you set up UPI on your phone, the app needs to verify your mobile number linked to your bank account to complete the process. This step is called UPI verification. If this verification doesn’t go through successfully, you’ll get an error message like UPI verification failed or UPI verification failed on Paytm if you’re using Paytm.

So, what causes the UPI verification failed? Here are the common ones:

• UPI not verifying mobile number: The app can’t confirm the mobile number linked to your bank account, often due to incorrect SIM or number mismatch.
• Failed to verify SIM for UPI: Your SIM card must be active and in your device to verify; any SIM issues or if the SIM is removed during verification, it fails.
• UPI device binding failed: UPI links your account to your specific phone number and device. If this binding process has a problem, verification fails.
• Network issues: Poor internet or connectivity problems can interrupt the verification process.
• Incorrect app permissions: If the app doesn’t have permission to read your SMS or verify your number, UPI setup fails.
• Multiple SIM cards or phone number mismatch: If your phone has multiple SIMs or the bank-registered mobile number is different from your active SIM, verification may not work.

How to Fix UPI Verification Failed: Easy Steps

1. Quick Fixes for UPI Verification Failed

If you’re facing a UPI verification failed message, try these quick fixes first. They often solve the problem without needing deeper troubleshooting:

• Restart your phone to refresh the system and network connections.
• Ensure your SIM is inserted correctly and active — remember, the SIM must match the bank-registered mobile number.
• Check mobile network signal and switch to stable Wi-Fi or mobile data if needed.
• Grant all necessary permissions to your UPI app (like Paytm), especially SMS reading and phone access.
• Clear the app cache or restart the UPI app to remove temporary glitches.
• Make sure you’re using the latest version of the UPI app by checking for updates in your app store.
• Remove any call or SMS blocking apps that might interfere with OTP delivery.
• Use the primary SIM slot if you have a dual SIM phone, especially if the bank-registered number is on that SIM.

2. When to Contact Bank or App Support

If you’ve tried all the fixes above and still see the UPI verification failed error, it’s time to reach out for help:

• Always keep your transaction details and error messages handy when contacting support — this helps them diagnose your issue faster.
• Contact your bank if you suspect your mobile number or account details are outdated or there’s an issue with your account status.
• Reach out to the UPI app’s customer support (like Paytm support) if the app is not working properly, or you face repeated errors despite following troubleshooting steps.
• Contact support if you see device-specific errors like UPI device binding failed and can’t resolve them yourself.
• If your SIM is active and correct, but verification still fails, the bank or app support can check backend issues or escalate the problem.