UPI transactions are usually instant, but sometimes they can get stuck in a 'Pending' status or fail due to various reasons like network issues, bank server downtime, or incorrect details. Here's how to resolve such situations.

Step 1: Check Transaction Status

• Open the Paytm App and go to 'Balance & History' or 'Passbook'.
• Locate the transaction in question and tap on it to see its current status (Successful, Pending, or Failed).

Step 2: Wait for Auto-Resolution (If Pending)

• Most pending transactions are automatically resolved within 30 minutes to a few hours.
• The transaction will either be marked as 'Successful' (money credited to the receiver) or 'Failed' (money refunded to your account).
• Do NOT retry the transaction while it's pending, as this may result in duplicate charges.

Step 3: If Transaction Failed (Money Debited)

• If your transaction shows 'Failed' but the money was debited from your bank account, the refund is initiated automatically.
• Refund Timeline: Usually within 3-5 business days, but can vary depending on your bank.

Step 4: Raise a Complaint (If Unresolved)

If your issue is not resolved after 5 business days:

• Go to the Paytm App and navigate to '24x7 Help' section.
• Select the specific transaction and tap on 'Raise a Complaint'.
• Provide necessary details like Transaction ID, amount, and date.
• Paytm support will investigate and assist with the resolution.

For more troubleshooting tips, visit: UPI Transaction Issues