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Guide: Resolving Failed UPI Transactions and Sending Money via WhatsApp

Guide: Resolving Failed UPI Transactions and Sending Money via WhatsApp

The guide provides detailed steps on how to get your money back from a failed UPI transaction, including registering a complaint with your bank and following up with customer support. Additionally, it outlines the process of sending money via WhatsApp UPI.

Key Takeaways:

  • Register a complaint with your bank using the provided link, and provide necessary details for a successful resolution.
  • In most cases of failed UPI transactions, the money will be refunded back to your account, but it may take longer than intended.
  • If the refund is not received within 1 hour, contacting customer support at your bank is advisable.
  • To send money via WhatsApp UPI, ensure that your bank account is linked to WhatsApp and follow the specified steps for initiating the transfer.


It seems like you’re looking for information on what to do in case of a failed UPI transaction and how to get your money back. Here’s a detailed guide on the steps to take if you encounter such a situation:


Steps to Get Your Money Back from a Failed UPI Transaction

1. Register a Complaint with Your Bank:

  • If your UPI payment gets stuck or the recipient doesn’t receive the payment even after it has been debited from your account, you should register a complaint with your bank.
  • In the case of SBI, you can register your complaint at the following link: SBI Digital Payment Complaint Registration.
  • Select the details such as BHIM SBI Pay (UPI) > UPI Payment/Transfer > Account debited but neither Beneficiary’s Credited nor amount refunded (P2P) and mention brief details of the issue in the last column.


2. Provide Details and Register Complaint:


  • After visiting the provided link, provide the necessary details and register your complaint. Upon successful registration, you will receive a complaint number on your registered mobile number/email ID.
  • The concerned team will look into your complaint, and it will be dealt with within the Turnaround Time (TAT) mentioned therein.


3. Follow Up and Contact Customer Support:


  • In most failure cases, the money will be refunded back to your account. However, sometimes this process may take longer than intended.
  • If you do not receive the refund within 1 hour, it’s advisable to contact customer support at your bank for further assistance.


4. Refer to NPCI Circular for Disputes:


  • According to the NPCI circular dated October 10, 2023, for complaints related to transactions such as goods or services not received, incorrect funds transfer, etc., customers can reach out to their bank and raise the dispute.
  • Customers, through their issuer bank, may raise disputes such as Chargeback, Pre-Arbitration, and Arbitration. The acquiring bank is required to provide clear evidence to defend the dispute raised by the issuer bank as per the UPI Operating and Settlement guidelines.

How to Send Money via WhatsApp UPI

If you’re looking for information on how to send money via WhatsApp UPI, here are the steps:


1. Link Your Bank Account to WhatsApp:


  • Ensure that your bank account is linked to WhatsApp. You will need an active UPI-compatible bank account in India, and the primary phone number linked to this bank account must be the same as the one used for your WhatsApp account.


2. Sending Money:


  • Once your bank account has been linked to WhatsApp, you can send money by choosing the person you wish to send money to from your WhatsApp contact list.
  • Select the payment option after opening the chat window and enter the amount and your UPI PIN. Once the correct PIN is entered, the amount will be transferred to the receiver’s bank account.


These steps should help you in understanding the process of getting your money back from a failed UPI transaction and also provide guidance on sending money via WhatsApp UPI.

FAQ

Q1: What should I do if my UPI payment gets stuck or the recipient doesn’t receive the payment?

A1: Register a complaint with your bank using the provided link and provide necessary details for resolution. Follow up with customer support if the refund is not received within 1 hour.


Q2: How can I send money via WhatsApp UPI?

A2: Ensure that your bank account is linked to WhatsApp and follow the specified steps for initiating the transfer to send money via WhatsApp UPI.