Unified Payments Interface (UPI) in the world of digital payments has made life quite easy. Now money can be transferred to anyone in a few seconds. But the easily this system works, the sooner the small mistake can be overshadowed. Many times money goes on the wrong UPI ID in haste. If this has happened to you too, there is no need to panic. By adopting some easy steps, you can get your money back.
Talk directly directly
If you have the mobile number of the person who has gone, you have the mobile number or is visible on the app, then first contact him. Stay calm and explain the whole thing and request to return the money politely. Many people return the money without any hassle.
file complaint from the app
Upi apps like Google Pay, PhonePe, Paytm or BHIM have the option of transaction history. Go there and choose the transaction in which the mistake is made and & ldquo; report the problem & rdquo; Or & ldquo; pick up the dispute & rdquo; Like tap on the option. After this fill the required details, & nbsp; Such as transaction id, date and zodiac.
inform the bank immediately
Don’t forget to contact your bank as soon as there is a mistake. Give information about this by going to the bank’s customer care or nearest branch. The bank has the way to handle complaints related to UPI transactions and they can start the reversal process.
file a complaint with NPCI
If there is no relief from the app or bank, then the next step is to go to NPCI (National Payments Corporation of India). A complaint can be lodged by visiting their website (npci.org.in). For this, you have to give information and supporting documents of transaction, such as screenshot or bank statement.
Ribi to last appeal
If the matter is not resolved even for 30 days, then RBI’s digital payment Ombdsman can be contacted. Through the RBI CMS portal, you can file your complaint online. This option is necessary when the amount is big and all the earlier efforts have failed.
- How to avoid such mistakes in UPI transfer?
- Check the UPI ID twice before sending money. Avoid clicking UPI request.
Mistake can be made by everyone, but it is necessary to take the right steps at the right time. If the money from UPI mistakenly goes to the wrong account, do not panic, just adopt the steps given above and be patient. Your vigilance and time action on the possibility of bringing back the money are the most increased.