What do I do if my UPI payment is pending? (2024)

FAQs

What do I do if my UPI payment is pending? ›

If your UPI payment is pending, you will need to wait for 48 hours for your bank to update the final status of the payment. After 48 hours, the bank may update the status of your pending payment as either successful or failed.

Can I put a stop payment request for funds transferred by UPI? No, once the payment is initiated, it cannot be stopped.

Once a payment is processed by your payment processor it needs to communicate with your store to indicate a completed sale. If it can't communicate with your store then your payments will all remain as pending.

Once a transaction appears as pending on your account, you're unable to stop or cancel the transaction until it's complete. The merchant then sends us their transaction file for settlement, and we send the merchant your transaction payment.

But why do UPI payments get stuck? There are many reasons that can lead to payment failure during UPI transactions. For example, a UPI transfer will fail if you have entered the wrong UPI ID, the receiver's address is not correct, bank servers are down, or if your internet is not working.

What do I do if my UPI payment is pending? What do I do if my UPI payment is pending? If your UPI payment is pending, you will need to wait for 48 hours for your bank to update the final status of the payment. After 48 hours, the bank may update the status of your pending payment as either successful or failed.

Ask the merchant or retailer to reverse the charge, cancel the sale or release the hold for the confirmed amount. The sooner you can reach out to the merchant, the more likely the pending transaction can be canceled. If you suspect fraud, skip the merchant and call your bank or card issuer first.

Pending transactions are payments that would normally go into or out of your account within 7 days. When you use a debit card to pay for something, it reduces the available balance in your current account. Similarly, when you use a credit card to pay for something, it increases your available balance.

The fastest way to resolve this issue is to contact the merchant directly. If they're able to remove the pending transaction, it should be reflected in your account in about 24 hours. If they're not able to help you, pending transactions will fall off automatically after 7 days.

Pending transactions generally take between one and five business days to clear. That time can vary based on the type of transaction, the payment network, and the bank or credit card issuer.

Can an UPI payment be refunded? ›

You can even request the bank or the respective UPI payment app to reverse the amount. How do I complain about a wrong UPI transaction? o complain about a wrong UPI transaction, submit your transfer proof and request a refund. However, if you fail to resolve the issues, make sure to file a complaint on the NPCI portal.

Banks usually deposit the money into the receiver's account instantly for UPI payments. In rare cases, due to technical issues, they may take upto 5 days from the payment date to deposit the money. Please ask the receiver to check the relevant bank account statement after 5 days for a confirmation.

There are various reasons for payment failures during UPI transactions. Incorrectly entering the UPI ID, providing an inaccurate receiver's address, encountering server problems with the bank, or experiencing connectivity issues with the internet can all lead to transaction failures.

Note: UPI transactions can only be reversed if they are still in a pending or failed status. Once a transaction has been successful, it cannot be reversed. Here are some additional tips: Be careful when entering the UPI ID or mobile number of the recipient.

You can stop a pending debit card transaction by contacting the merchant and canceling the purchase. Or you can try contacting your bank if you don't recognize the transaction, you suspect fraud is involved, or the merchant is unresponsive.

If a payment shows 'pending' status, it means that you cannot cancel it or take any further action on it. In case the payment has been stuck as 'processing' for a long time, the app will give you the transaction pending message.

Deactivating UPI ID is just as easy as activating it on UPI apps. Unlinking a bank account from UPI via UPI apps is a simple, two-step process. The process for unlinking a bank account or disabling UPI ID is similar across all UPI apps. You can also deactivate UPI ID by contacting your bank branch.