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UPI has made sending money easier than ever. With just a few clicks, you can pay friends, shop online or settle bills instantly. But in all that speed, mistakes can happen. You might end up sending money to the wrong person by accident. But don’t worry, such mistakes are more common than you might think. And the good news is that there are ways to get a UPI payment refund if you act fast.
Read on to learn more about how one can recover the money from a wrong UPI transfer.
A wrong UPI transaction happens when money is sent to an unintended person. This could be due to entering the wrong UPI ID, selecting the wrong contact or even a typo in the mobile number. Once you hit ‘send, ‘ the amount is instantly debited from your account. Luckily, there are systems in place for you to retrieve that amount.
The faster you act, the better your chances of recovery. Here’s what you can do:
But what if they don’t respond or refuse to return it? That’s when you raise a wrong UPI transaction complaint.
There are 3 main ways to try to recover your money if a UPI transaction goes wrong.
If you have sent money to the wrong UPI ID, your first step should be to raise a complaint within your UPI app. Most apps have a simple process to help you report the issue quickly.
Step 1: Open your UPI app like Google Pay, PhonePe, Paytm or BHIM and log in to your account
Step 2: Head to the ‘Help’ or ‘Support’ section where you can report any transaction issues
Step 3: Find and select the incorrect transaction from your history
Step 4: Choose the issue that best matches your case, like a wrong UPI transfer or money sent to the wrong account
Step 5: Submit the complaint with all the details so the app can start reviewing it
Once you submit the request, the app team usually starts an internal check. They may reach out to the receiver’s bank or request a reversal. You can also call the wrong UPI transaction complaint number for support. Keep your transaction ID and payment details ready to speed up the process.
If the UPI app support doesn’t resolve it, you can try contacting your bank. They can escalate the issue through NPCI (National Payments Corporation of India). Here’s what you can do:
Step 1: Visit your bank branch or call customer care and explain what went wrong
Step 2: Share your transaction ID and payment details so the bank can trace the transfer
Step 3: Provide the UPI ID or mobile number where the money was sent to help identify the recipient
The bank can then lodge a complaint with the other bank through NPCI. This usually takes a few working days.
If neither the UPI app nor the bank helps, you can go straight to NPCI. Here’s how:
Step 1: Visit the National Payments Corporation of India UPI dispute redressal page
Step 2: Click on ‘Raise a complaint’ to begin the process
Step 3: Fill in the form with your transaction details carefully
Once submitted, you will receive a reference number that you can use to track your wrong UPI transaction complaint.
[Source: How to reverse a wrong UPI transaction – ClearTax]
If a large amount is involved or fraud is suspected, report it to the police with full details. If nothing else works, legal action with expert guidance can be your best bet.
Once you raise a wrong UPI transaction complaint, the concerned parties will review it. Recovering money from a wrong UPI transaction depends on how quickly you act. If you raise a complaint within 24 to 48 hours, your chances of recovery are much higher. This timeline is also recommended by the Reserve Bank of India (RBI).
A quick check can save a lot of hassle. Here are a few simple precautions:
If you’ve sent money to the wrong UPI by mistake, don’t panic. There are proper steps to recover it. But speed is key. The sooner you raise a complaint, the better your chances. Meanwhile, if you are in urgent need of cash while waiting for a refund, Fibe can help!
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Yes, if you act fast and reach out to the wrong UPI transaction complaint number within 24-48 hours, you may be able to get a refund. It depends on how the bank and the receiver respond.
Yes, in most cases, you do receive your UPI payment refund. If the receiver cooperates or the bank confirms the mistake, your money will be refunded within no time. However, if the receiver denies it or the money has been withdrawn, recovery might take longer.
You can raise a complaint directly through your UPI app by selecting the incorrect transaction and reporting the issue. You can also contact your bank or use the National Payments Corporation of India complaint portal for further support.
The time can vary depending on the case and the response from the receiving bank. In most cases, it may take a few working days.
You can contact the UPI helpline by calling 155260 or 1800 120 1740. Make sure you have your transaction ID and payment details ready when you call for faster assistance.
She works as a Deputy Manager at Fibe (Previously EarlySalary) in Pune. She is a fintech content expert with 8+ years specialising in Data-driven content for lending platforms and financial services.
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