How to use a UPI reference number?

A UPI reference number, also known as a Unique Transaction Reference (UTR), is primarily used to track and verify the status of a specific transaction. You can use it to:

• Track your transaction status to see if it is successful, pending, or failed.
• Provide it as proof of payment to a merchant or recipient if they have not received the funds.
• Raise a dispute or lodge a complaint with your bank or customer support for failed or unauthorized payments.
• Maintain accurate records for financial reconciliation and audits.