UPI Wrong Payment Rules: These days, UPI has made money transactions incredibly fast and easy. Just pick up your phone, open the app, scan the QR code, and the payment is complete in seconds. This speed, however, can sometimes lead to trouble. Entering the wrong number, selecting the wrong UPI ID, or adding an extra digit to the amount are common mistakes. The result is that the money goes into an unknown account, causing panic.
The problem becomes even more serious when the transaction amount is large, as UPI payments do not reverse automatically. However, if the right steps are taken promptly, there is a possibility of getting the money back. In such a situation, instead of panicking, acting wisely and quickly is crucial.
File a Complaint Immediately After a Wrong Transaction
If you have accidentally sent money to someone else and the recipient refuses to return it, it is essential to file a complaint without delay. The sooner you file a complaint, the higher the chances of a quick resolution. You can file a complaint online through the UPI app or by calling the relevant helpline number. Filing a complaint within three hours of the wrong transaction is considered crucial.
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Option to Freeze the Receiver’s Account
If money has been mistakenly transferred from your account to another account, you can request to temporarily freeze the receiver’s account. With the account frozen, the person will not be able to use the money, and all transactions will be stopped. This increases the chances of the money remaining safe.
How to Freeze an Account
To freeze the receiver’s account, you can call the National Cyber Crime Helpline number 1930. During the call, you will need to provide complete information related to the wrong transaction. If the information is found to be correct, the relevant account will be frozen. Alternatively, you can also file a complaint at your bank or contact the nodal officer of the receiver’s bank.
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Register your complaint on the NPCI portal as well
If your problem is not resolved at the app or bank level, you can also register a complaint on the official NPCI grievance portal. Complaints are registered here using the transaction ID. After registering the complaint, you will receive a reference number, which you can use to track the status of your case.
Ways to avoid mistakes in the future
To avoid such problems, always try to make payments by scanning the QR code. Double-check the amount while entering it and carefully read the receiver’s name displayed on the screen. A single wrong click made in haste can lead to significant losses. A little caution can save you from major financial setbacks.
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Adarsh P
Adarsh Pal is a content writer at Timesbull Media. He specializes in writing news related to industry updates, the automotive sector, banking, telecommunications, the travel sector, and personal finance. Adarsh has previously worked with several digital media channels. He is skilled at presenting news accurately and disseminating information based on...
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