{"id":12506,"date":"2023-03-10T12:00:00","date_gmt":"2023-03-10T06:30:00","guid":{"rendered":"https:\/\/payu.in\/blog\/?p=12506"},"modified":"2025-11-12T23:52:48","modified_gmt":"2025-11-12T18:22:48","slug":"made-a-upi-transaction-mistake-heres-how-to-get-your-money-back","status":"publish","type":"post","link":"https:\/\/payu.in\/blog\/made-a-upi-transaction-mistake-heres-how-to-get-your-money-back\/","title":{"rendered":"Made a UPI Transaction Mistake? Here\u2019s How to Get Your Money Back!"},"content":{"rendered":"\n<p>We\u2019ve all done it at least once \u2013 sent money online to the wrong person or transferred more than we needed to pay. Once it is gone, it is gone, right? If the recipient is a friend or family, you can request them to return your money. But what if it is a remote merchant? Or worse \u2013 a fraudster?&nbsp;<\/p>\n\n\n\n<p>Yes, digital payment modes like UPI are extremely useful and secure. Being careful when transacting online is important to avoid unnecessary inconveniences or fraud. But if you ever make a mistake while transacting via UPI, don\u2019t worry.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Follow this step-by-step guide on UPI dispute redressal mechanism by the National Payments Corporation of India (NPCI).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>X Steps of NPCI\u2019s UPI dispute redressal mechanism<\/strong>&nbsp;<\/h2>\n\n\n\n<p><strong>Step 1<\/strong> \u2013 Immediately raise a complaint regarding the UPI transaction on the Payment Service Provider (PSP) or Third-Party Application Provider (TPAP) apps.&nbsp;<\/p>\n\n\n\n<p><strong>Step 2<\/strong> \u2013 To do so, select the UPI transaction on the app and raise your concern.&nbsp;<\/p>\n\n\n\n<p><strong>Step 3<\/strong> \u2013 If your complaint is not resolved soon, escalate the matter to the PSP bank, followed by the bank where you hold the related account, and finally, the NPCI. Register a complaint with the NPCI from <a href=\"https:\/\/www.npci.org.in\/what-we-do\/upi\/dispute-redressal-mechanism\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a>.&nbsp;<\/p>\n\n\n\n<p><strong>Step 4<\/strong> \u2013 If there is still no remedy, contact the Banking Ombudsman and\/or the Ombudsman for Digital Complaints.&nbsp;<\/p>\n\n\n\n<p><strong>Step 5<\/strong> \u2013 Check for updates from the PSP or TPAP regarding the status of your complaint on the relevant app.\u00a0<\/p>\n\n\n\n<p><em><a href=\"https:\/\/payu.in\/blog\/how-to-register-upi-complaint\/\">Know more &#8211; How to Register a UPI Complaint Easily in 2025?<\/a><\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Safe UPI practices save money<\/strong><\/h2>\n\n\n\n<p>UPI is one of the most popular payment modes in India today. The Reserve Bank of India (RBI) advises all consumers and businesses to stay aware to prevent online payment mishaps. To safeguard consumers against payment frauds and mistakes, the NPCI has also provided UPI Safety Shield safety tips for transacting via UPI.<\/p>\n\n\n\n<p>Read more about UPI Safety Shield <a href=\"https:\/\/payu.in\/blog\/upi-safety-shield-how-to-secure-upi-payments\/\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>We\u2019ve all done it at least once \u2013 sent money online to the wrong person or transferred more than we needed to pay. Once it is gone, it is gone,&#8230;<\/p>\n","protected":false},"author":66,"featured_media":12507,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[902],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Incorrect or Fraudulent UPI Transaction? Here&#039;s How to Get a Refund<\/title>\n<meta name=\"description\" content=\"UPI transactions are safe, but you can make mistakes or get scammed if you&#039;re not careful. Follow NPCI&#039;s dispute redressal mechanism for help.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/payu.in\/blog\/made-a-upi-transaction-mistake-heres-how-to-get-your-money-back\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Incorrect or Fraudulent UPI Transaction? Here&#039;s How to Get a Refund\" \/>\n<meta property=\"og:description\" content=\"UPI transactions are safe, but you can make mistakes or get scammed if you&#039;re not careful. 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