How To File a UPI Complaint 2026?

If you experience a failed transaction, incorrect debit, or delayed refund, you can quickly raise a UPI complaint through official channels. The easiest and fastest method is directly via your UPI app such as Google Pay, PhonePe, Paytm, or BHIM. Open Transaction History, select the disputed transaction, and tap Raise a Complaint or Report an Issue. Enter the required details and submit the request most complaints are resolved within a few working days.

If the issue is not resolved by your bank or UPI app, you can escalate it as an NPCI complaint. Visit the official NPCI website and file an NPCI UPI complaint by choosing UPI as the product and providing details like transaction ID, date, bank name, and issue type. NPCI will coordinate with the concerned bank to resolve the issue.

Keep transaction IDs and screenshots ready to ensure faster resolution.

How To File a UPI Complaint 2026?

While raising a UPI complaint online is simple, users often face recurring issues during transactions and even after submitting complaints. Problems like failed payments, delayed refunds, or unclear updates on UPI complaint status are quite common. In some cases, users also struggle to track the NPCI complaint status, especially when complaints are escalated through npci.org.in complaint UPI. Knowing these common issues helps set the right expectations and speeds up resolution.

Common UPI Complaint Issues

• Amount debited but not credited to the receiver
• Refund delays after failed or reversed transactions
• Transaction stuck in pending state for several hours or days
• Incorrect debit amount charged from the bank account
• UPI ID temporarily blocked due to repeated failures
• No immediate update on UPI complaint status after raising a ticket
• Delayed NPCI complaint status updates when escalated
• Errors due to wrong transaction ID or incomplete details while filing complaints on npci.org.in

Keeping transaction IDs, dates, and screenshots ready can help avoid most of these issues and ensure faster resolution.

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Steps to Register a UPI Complaint

If you face a payment issue, follow these simple steps to register a UPI complaint and track its resolution easily:

1. Open your UPI app (Google Pay, PhonePe, Paytm, BHIM, etc.) and go to Transaction History.
2. Select the failed or disputed transaction and tap on Raise a Complaint / Report an Issue.
3. Choose the issue type (failed transaction, incorrect debit, refund delay, etc.).
4. Submit the complaint with the required details. You can track the UPI complaint status directly in the app.

If the issue is not resolved within the given time:

1. Escalate the issue as an NPCI complaint by visiting the official NPCI portal.
2. Select UPI as the product and file an NPCI UPI complaint using your transaction ID, bank name, and date.
3. After submission, you can regularly check the NPCI complaint status online for updates.

Keeping transaction IDs and screenshots handy helps ensure faster resolution.

Using the UPI App’s Support Option

Most UPI apps come with an in-app help or support section that allows you to raise a UPI complaint online without any hassle. Simply open your UPI app, go to Transaction History, select the problematic transaction, and use the UPI complaint register option. Follow the on-screen steps, describe the issue, and submit your request. You can later track the UPI complaint status directly within the app.

Escalating the Issue to the RBI

If your concern is not resolved by the bank or app within a reasonable time, you can escalate it to the Reserve Bank of India (RBI). RBI offers an official grievance redressal portal where unresolved UPI issues can be reported. This step is useful when you feel your UPI complaint has not been handled fairly or remains pending for too long.

Reporting the Issue to NPCI

For recurring or system-level issues, you can file an NPCI complaint as NPCI manages and regulates UPI operations in India. Visit npci.org.in complaint UPI section to submit an NPCI UPI complaint by selecting UPI as the product and providing transaction details. You can also monitor the NPCI complaint status using the reference number provided after submission.

Additional Support Options

• UPI Complaint Helplines: Many banks and UPI service providers offer dedicated helpline numbers for UPI-related issues. These can be useful for urgent cases where quick clarification is needed.
• Online Grievance Portals: Both RBI and NPCI provide structured grievance portals where users can file complaints and perform an NPCI UPI complaint status check anytime.
• Social Media Support: Several banks and UPI apps actively respond to customer queries on platforms like X (Twitter) and Facebook. While not official, this can sometimes speed up responses for pending complaints.

Following Up on Your Complaint

• Tracking Complaint Status: After raising a complaint, always save the reference or ticket number. This allows you to regularly check your UPI complaint status or NPCI complaint status until the issue is resolved.
• If the Issue Remains Unresolved: If there’s no resolution even after follow-ups, escalate the matter again with complete details, screenshots, and transaction IDs. You can re-approach the bank, RBI, or NPCI to ensure your complaint is addressed properly.

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How to file a UPI complaint online?

You can file a UPI complaint online through your UPI app by selecting the transaction from history and tapping Raise a Complaint.

What is the UPI complaint number and where can I find it?

The UPI complaint number is a reference or ticket ID generated after submission and is available in the app or complaint confirmation message.

How do I raise an NPCI UPI complaint?

An NPCI UPI complaint can be filed on the official NPCI website by selecting UPI as the product and entering transaction details.

How to file a UPI complaint NPCI if the bank does not resolve it?

If your bank doesn’t resolve the issue, visit npci.org.in and escalate the issue by submitting a complaint under the UPI category.

How can I raise a wrong UPI transaction complaint?

For a wrong UPI transaction complaint, report it immediately through your UPI app and contact your bank for further assistance.

How does NPCI complaint online filing work?

NPCI complaint online filing requires you to submit transaction ID, bank name, date, and issue type through their grievance portal.

How to raise a BHIM UPI complaint?

You can raise a BHIM UPI complaint by opening the BHIM app, selecting the transaction, and choosing the complaint option.

How to file a BHIM UPI complaint online?

A BHIM UPI complaint online can be filed directly within the BHIM app or escalated via NPCI if unresolved.