UPI payments are usually completed instantly, but sometimes you may need to track a transaction due to delays, failed payments, or refund-related issues. In such cases, the UPI Reference Number helps identify and trace a specific payment.

This unique number allows banks and payment platforms to locate your transaction details and provide support when required.

What is the UPI Reference Number (UTR)?

The UPI Reference Number, also known as UTR (Unique Transaction Reference) number, is a unique 12-digit number generated for every UPI transaction.

It acts as a transaction identifier that helps banks and payment platforms track a specific payment. It is useful when checking transaction status, resolving failed payments, or raising a complaint for a pending transaction.

Find UPI Reference Number on Paytm

You can easily find your UPI Reference Number from your Paytm transaction history. Follow these steps:

1. Open Paytm app on your smartphone.
2. Tap on Balance & History from the home screen.
3. Select the UPI transaction you want to check.
4. Open the transaction details page.
5. Look for UPI Reference Number or UTR.

The 12-digit number shown there is your UPI Reference Number. You can copy it or save it for future reference.

When Do You Need a UPI Reference Number?

The UPI Reference Number is helpful in situations where you need to track or verify a payment.

• Transaction support: Banks or customer support may ask for this number to locate a payment and resolve issues.
• Payment tracking: It helps check the status of a transaction and confirm whether the payment was processed successfully.
• Refund or dispute resolution: It helps identify the exact transaction when investigating failed payments or refund-related concerns.

Note: Every UPI transaction has a different reference number. Always check the details of the specific payment you need help with.