What is the 12 digit reference number?

The 12-digit reference number is the UPI Reference Number (UTR). It is a unique code generated for every UPI transaction, serving as a crucial reference for both the sender and recipient. If you need assistance with a transaction, you can use this number when contacting customer support or your bank. On the Paytm app, you can find it by navigating to 'Balance & History,' selecting the transaction, and noting the unique 12-digit number.