What is a UPI transaction number?

A UPI transaction number, also known as the Retrieval Reference Number (RRN), is a unique 12-digit identifier assigned to every UPI payment by the initiating bank or service provider. It acts as a digital fingerprint for tracking, verifying, and reconciling transactions. This number is essential for resolving disputes, such as failed or pending payments and refund issues, as it helps banks and the National Payments Corporation of India (NPCI) identify specific records. You can find this number in your app’s transaction history or SMS alerts.