The UPI Reference Number, often referred to as the UTR (Unique Transaction Reference) number, is a unique 12-digit code generated for every single UPI payment or transfer you make.

This number serves as the specific fingerprint for your transaction within the banking system. It is crucial for tracking the status of a payment and is the primary detail required by banks or customer support to resolve issues regarding failed or pending transactions.

How to Find Your UPI Reference Number on Paytm

Follow these steps to locate the 12-digit reference number for any past transaction:

• Navigate to History:

  • Open the Paytm App on your mobile device.
  • Tap on the 'Balance & History' section located on the home screen.

• Select Transaction:

  • Scroll through your payment list and tap on the specific transaction for which you need the reference number.

• View Details:

  • On the transaction details screen, look for the 'UPI Ref No.' or 'UTR'.
  • This is the 12-digit code you need. You can copy it directly or note it down for your records.

When Should You Use This Number?

• Contacting Support: If you raise a ticket with Paytm or your bank regarding a payment issue, they will ask for this 12-digit number to locate the funds.
• Tracking Status: It helps confirm if a payment has reached the beneficiary's bank.

Note: Every individual transaction has a different UPI reference number. Always ensure you are looking at the specific transaction details relevant to your query.