To understand why your UPI payment failed, take a look at the table below and look for the failure message you received when the failure occurred.
Failure Cause | Reason |
The bank account is blocked. | Your bank account is blocked. You should check with your bank |
Bank account with the UPI app doesn't match with trading account | Your default bank account does not match with a registered Upstox bank account. You should change your bank account in the UPI app to the registered bank account. |
The banking system is offline, please try it after some time. | Your bank is not responding. You should try other payments after some time |
A beneficiary account does not exist | You should check with your bank for the status on the account. |
The beneficiary account is inactive or dormant | The bank account is not active. You should get in touch with your bank |
Incorrect Pin | You have entered the wrong PIN. You should reset your PIN in your UPI app before proceeding further. |
The invalid PIN entered. | You have entered the incorrect pin. You should enter the correct PIN |
Invalid VPA. Please enter a valid Virtual Payment Address | You have entered an incorrect VPA. Please check your VPA before entering. You can check your VPA in your UPI app. |
Max number of PIN retries exceeded. | You have entered the wrong PIN more than 3 times. You may not be able to reset your PIN for the next 24 hours. You should try other payment methods such as NEFT/RTGS/IMPS or NetBanking |
Mobile number registered with multiple customers | Your mobile number is also registered with other customers. You should try other payment methods such as NEFT/RTGS/IMPS or NetBanking |
Payment failed | Payment has failed. The failure cause is not known. You can either try one more time or transfer using other payment methods such as NEFT/RTGS/IMPS or NetBanking |
The payment failed at PSP | Your payment has failed from your Payment Service Provider (PSP) app. You should initiate a payment from another UPI app. |
The payment failed because the Account linked to VPA is invalid | You are requested to consult with your bank |
The payment failed because the Transaction amount limit has exceeded | |
Payment failed because transactions are not allowed on this VPA | You can’t transfer funds using this VPA. You should try other payment methods such as NEFT/RTGS/IMPS or Net Banking |
Payment failed because UPI PIN is not set | You should register your bank on the UPI app. |
Payment failed because UPI request expired | The payment was not completed within 10 minutes of the time of initiation. You should initiate the payment one more time and complete it within this timeframe. |
Payment Failed due to an issue with your UPI App. Please try again with another app or payment method | Your payment has failed due to some issue with your UPI app or the payment method. You can transfer payments using other UPI apps or transfer funds using NEFT/RTGS/IMPS or NetBanking |
The payment failed due to validation failure at the bank or wallet gateway | The payment has failed due to validation failure at the bank level or at the payment gateway. You should try other payment methods such as NEFT/RTGS/IMPS or NetBanking |
The payment failed since the account linked with multiple names | Your account is linked with multiple names. You should try other payment methods such as NEFT/RTGS/IMPS or NetBanking |
Payment failed. Please try again with another bank account. | Your payment has failed. You should try other payment methods such as NEFT/RTGS/IMPS or NetBanking |
Payment processing failed due to an error at the bank or wallet gateway | Your payment has failed. You should try other payment methods such as NEFT/RTGS/IMPS or Net Banking |
Payment rejected by the customer | You have rejected the payment. You should initiate the payment one more time and approve the payment request. |
The payment was not completed on time. | The payment was not completed within 10 minutes of the time of initiation. You should initiate the payment more time and approve the request within the given timeframe. |
The registered mobile number linked to the account has been changed/removed | The mobile number registered with the primary bank account has been changed. You should update your new mobile number with your bank account. |
The request has timed out | The payment was not completed within 10 minutes of the time of initiation. You should initiate the payment more time and approve the request within the given timeframe. |
The transaction failed due to insufficient funds. | You don’t have sufficient funds in your bank account. You should add funds to your bank account or reduce your amount |
Transaction processing declined on the beneficiary side | You have declined the payment request at your end. You should initiate the payment more time and approve the request within the given timeframe. |
Transaction to this account is not permitted | Transaction to this account is not allowed. This could be due to freezing on your bank account or third-party validation. |
The transaction was declined by the customer | You have declined the transaction. You should initiate the payment more time and approve the request if you wish to transfer funds to Upstox. |