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

UPI Transaction has per transaction and per day limit. Suppose you have spent ₹20,000 on an e-commerce website, then you can only transfer up to ₹80,000 using UPI. You can check out https://support.google.com/pay/india/answer/9616021 for more amount details

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.