1) UPI/Gpay 

  • If the failure has happened at the payment gateway level or due to third-party validation, then a refund happens instantly. 

  • If the failure happens at the customer’s bank end, then TAT generally depends on the customer’s bank. Some banks refund the money within 24 hours while some take 5-7 working days to refund it. 

2) NetBanking

Pending from Bank-

  • Once we receive a confirmation from our Payment Gateway that your transaction was successful, the amount will be updated in your Upstox wallet.

  • In case the amount is not credited, it will be reversed within the next 24-48 working hours to your bank account.


Related Article: 

How can I add funds to my Upstox account?

My payment has failed, what should I do next?