Common NPCI UPI Complaints and How to Resolve Them

Unified Payments Interface (UPI) is a platform facilitated by the National Payments Corporation of India (NPCI) that allows users to conduct seamless real-time transactions via multiple financial services, directly from a mobile app. While the system has significantly streamlined digital payments, users often encounter common NPCI UPI complaints, which may interfere with their transactions. Understanding these issues and their solutions helps in avoiding inconvenience.

The most common NPCI UPI complaints include transaction failure, money debited but not credited to the recipient’s account, inability to use the UPI application, and issues with UPI PIN.

1. Transaction Failure: This issue arises when a transaction fails but the amount gets debited from the bank account. To resolve this, first, check your bank account statement. If the amount is debited, the bank will automatically refund it within three business days. If this does not happen, raise a complaint through your UPI App or contact your bank.

2. Money Debited but Not Credited to the Receiver’s Account: This is another NPCI UPI complaint users usually face. In such cases, cross-check with the receiver. If they confirm non-receipt, raise a complaint with your UPI app or directly contact your bank. They will investigate and rectify the issue.

3. Inability to use the UPI App: Sometimes, one may not be able to use the UPI app due to network issues or technical glitches. To fix this, ensure you have a good internet connection. Also, keep your app updated. If the problem persists, uninstall and reinstall the app.

4. UPI PIN issue: Forgetting UPI PIN is common. To solve this, choose ‘Forgot UPI PIN’ option on the app and follow the given steps. You will need to enter your debit card last six digits and expiry date to reset your UPI PIN.

One transparent and user-friendly way to manage your finances is via Bajaj Pay UPI. This digital payment system allows you to conduct transactions easily without entering your bank details each time. Moreover, security is paramount, and the platform is equipped with top-level encryption and multi-factor authentication. However, Bajaj Pay UPI users may also face similar issues as detailed above due to service interruptions or network issues. It’s essential to contact customer service or use the in-app complaint feature to address any issues promptly and efficiently.

When initiating a complaint, ensure to share the Transaction ID, UPI ID, and date of transaction to expedite the process. It is also advisable to provide a detailed description of the problem you encountered. NPCI or the bank’s customer service should resolve your complaint within a reasonable timeframe, typically 2-7 working days, depending on the nature of the complaint.

As UPI platforms continue to evolve and penetrative digital finance deeper, understanding and resolving these common NPCI UPI complaints is vital. The digital economy is here to stay, and resolving customer complaints including issues related to RTGS charges, is a significant part of making the system user-friendly and reliable.

Having patience and providing accurate information is the key to get these issues resolved effectively. Always ensure that your UPI app is updated to the latest version, enabling you to enjoy uninterrupted and secure transactions. Whether using the NPCI UPI platform or the Bajaj Pay UPI system, the solutions to common complaints remain uniform and straightforward, aimed at ensuring customer satisfaction.


While NPCI UPI has significantly simplified transactions, common complaints come up now and then. By understanding these issues and their solutions, you can have seamless and convenient digital transactions. Remember, the goal of NPCI UPI is to make monetary transactions easy and effortless, and every complaint resolved brings us closer to this reality.

Keywords: NPCI UPI complaints, Transaction Failure, Money Debited but not Credited, Inability to use UPI App, UPI PIN issue, Bajaj Pay UPI.

Read More: Merchant Definition, Importance, and Evolution

Leave a Comment