Since bank accounts are linked during the initial account opening process on Paytm, with the option to add more accounts later (one of which must be set as primary), UPI transactions rely entirely on these connections.

If your UPI transaction (sending money) is failing when using Paytm, check the following points first:

Common Reasons for UPI Transaction Failure

• Bank Server Status: Your bank's server or the UPI network might be experiencing temporary downtime or congestion. Wait a few minutes and try again.
• App Issues: The Paytm app might be going through some revamp or necessary changes (maintenance) which temporarily affects transaction stability.
• Incorrect UPI PIN: You may have entered the wrong UPI PIN during the money transfer process. Try again carefully, or consider resetting your UPI PIN.
• Insufficient Funds: Your linked sending bank account does not have sufficient funds to cover the transaction amount.
• Bank Conflict: You may have chosen both the destination bank and the source bank as the same account.
• Daily/Per-Transaction Limit: You have exceeded the per-transaction limit (e.g., ₹1 Lakh) or the daily transaction limit set by either your bank or the UPI system.
• Blocked Account: Your bank account or UPI access may be temporarily blocked or frozen by your bank for security or compliance reasons.

Important Note on Adding Money via Credit Card

While you can add money through a Credit Card on the platform, it comes with specific risks and costs:

• High Cost: It is often recommended not to add money through a Credit Card for self-transfer, and it should be used only if there are no other options available.
• Interest Charges: By adding money from a Credit Card, you are typically required to pay a higher interest rate, as the transaction may be treated by your bank as a cash advance or non-standard transfer. You may also incur a separate transaction fee from the platform.