How to file a BHIM UPI complaint online and check status

Require assistance with BHIM UPI complaints? Seek online support for prompt resolutions.
SET UP UPI
BHIM UPI Complaint
SET UP UPI
5 mins
08 July 2024

Overview about the BHIM UPI

The Bharat Interface for Money (BHIM) Unified Payments Interface (UPI) is a revolutionary payment system in India. It facilitates seamless and secure financial transactions through mobile devices. Developed by the National Payments Corporation of India (NPCI), BHIM UPI enables users to transfer money instantly between bank accounts. It eliminates the need for cash and card transactions, making digital payments more accessible. With a user-friendly interface, BHIM UPI supports various banks and provides a unified platform for all digital payments. The system's robust security features ensure safe and efficient transactions, promoting a cashless economy.

Steps to register complaint on BHIM UPI

Follow the steps below to lodge any complaint against failed UPI payment on Google Pay via the “Get in Touch” service.

  1. Visit the “Get in Touch” page via the BHIM UPI application or website.
  2.  Choose the complaint option among complaint, feedback and query options.
  3. Select the type of complaint you want to register.
  4. Provide the necessary inputs such as type of issue, date of transaction, VPA, registered mobile number, and email ID and briefly write down your complaint in the comment box.

You can also directly file a complaint via BHIM UPI application. To do so, follow the steps below.

  1. Open BHIM UPI mobile application.
  2. Locate and click on the "raise a complaint" option to access your transaction history.
  3. Select the transaction against which you want to lodge the complaint.
  4. Choose "raise concern" option, talk about your issue in the form and submit it.

Types of BHIM UPI issues you may encounter

When using BHIM UPI, you might come across various issues that can disrupt your transactions. Here are some common types of problems you may encounter:

  1. Transaction failures:
    • Insufficient balance: Transactions may fail if there are insufficient funds in your linked bank account.
    • Network issues: Poor internet connectivity can cause transaction failures.
    • Server downtime: Sometimes, the bank or UPI server might be down, leading to failed transactions.
  2. Incorrect details:
    • Wrong UPI ID: Entering an incorrect UPI ID can result in failed or misdirected transactions.
    • Incorrect PIN: Entering the wrong UPI PIN multiple times can block your UPI access temporarily.
  3. Pending transactions:
    • Delayed processing: Transactions may remain pending due to delays in processing by the bank or UPI system.
    • Technical glitches: Sometimes, technical issues can cause transactions to be stuck in a pending state.
  4. Unauthorised transactions:
    • Fraudulent activities: Unauthorised transactions can occur if your UPI credentials are compromised.
    • Phishing scams: Be wary of phishing scams where fraudsters trick you into sharing your UPI details.
  5. Refund issues:
    • Failed refunds: Sometimes, refunds for failed transactions may not be processed correctly.
    • Delayed refunds: Refunds might take longer than expected to reflect in your account.
  6. App-related issues:
    • App crashes: The BHIM app may crash or freeze, preventing you from completing transactions.
    • Update problems: Issues can arise if the app is not updated to the latest version.
  7. Bank-specific issues:
    • Bank-side errors: Errors on the bank’s end can cause transaction failures or delays.
    • Account linking problems: Issues with linking your bank account to the BHIM app can prevent transactions.

By understanding these common issues, you can better troubleshoot and resolve problems when they arise.

Benefits of using BHIM UPI

BHIM UPI offers several benefits, making it a popular choice for digital transactions. One of the main advantages is its simplicity. The user-friendly interface ensures that even those with minimal technical knowledge can use it effortlessly. Additionally, transactions are instant, reducing the need for cash. BHIM UPI is also highly secure, with multiple layers of authentication to protect users' data and money. Moreover, it supports interoperability, allowing users to link multiple bank accounts to a single app. This convenience makes managing finances easier and more efficient. Lastly, BHIM UPI promotes financial inclusion by providing access to digital banking services to everyone.

Security features of BHIM UPI

Security is a critical aspect of BHIM UPI. The platform employs robust security measures to ensure user data and transactions are protected. Each transaction requires a UPI PIN, which adds an extra layer of security. The app also uses device binding and two-factor authentication to verify user identity. Additionally, BHIM UPI does not store any sensitive information, such as account numbers, on the user's device. This reduces the risk of data breaches. Regular updates and security patches are implemented to address vulnerabilities. These measures collectively make BHIM UPI a secure and reliable payment platform.

How BHIM UPI supports financial inclusion

BHIM UPI plays a significant role in promoting financial inclusion in India. By providing a simple and accessible platform, it brings digital banking to the masses. Many individuals in rural areas, who previously had limited access to banking services, can now perform digital transactions. BHIM UPI does not require an internet connection for basic transactions, making it more inclusive. Additionally, the app is available in multiple languages, catering to a diverse population. Through BHIM UPI, people can transfer money, pay bills, and access various financial services, thereby bridging the gap between urban and rural banking.

How to set up BHIM UPI

Setting up BHIM UPI is straightforward. First, download the BHIM UPI app from the app store. Open the app and verify your mobile number linked to your bank account. Next, select your bank from the list provided. The app will fetch your bank account details. Create a UPI PIN by entering the last six digits of your debit card and the card's expiry date. Set a secure four or six-digit UPI PIN. Your BHIM UPI setup is now complete. You can start making transactions using your virtual payment address or UPI ID.

Conclusion

BHIM UPI has significantly transformed the digital payment landscape in India. It offers a secure, convenient, and efficient way to perform transactions. The ease of use and accessibility of BHIM UPI have encouraged many users to adopt digital payments. The platform's robust complaint resolution mechanism ensures that users' issues are addressed promptly, maintaining trust and reliability. As digital transactions continue remains a cornerstone in the journey towards a cashless society, providing an essential service for both individuals and businesses.

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Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.

Frequently asked questions

How do I get my money back from UPI?

If you have sent money to the wrong account via UPI, immediately contact your bank and the recipient’s bank. Provide details of the transaction. Banks will investigate and, if possible, reverse the transaction. It's important to act quickly to increase the chances of recovery.

How do I complain about a wrong transaction?

To complain about a wrong transaction, go to the 'TRANSACTION HISTORY' in your BHIM UPI app. Select the transaction and click on 'Raise a Complaint'. Provide necessary details and submit. You can also contact your bank for assistance.

Can a wrong UPI transaction be reversed?

Yes, a wrong UPI transaction can be reversed. Report the issue promptly through the BHIM UPI app or by contacting your bank. The bank will investigate and, if the transaction meets reversal criteria, it will be reversed.

Can my bank refund a transaction?

Yes, banks can refund transactions if they identify errors or unauthorised activities. Report the issue immediately to your bank. They will investigate and, if justified, will process the refund. Ensure to keep transaction details handy for reference.

How do I claim a failed UPI transaction?

To claim a failed UPI transaction, follow these steps:

  1. Check transaction status: First, verify the status of the transaction in your BHIM UPI app or bank statement.
  2. Contact customer support: Reach out to the customer support of your bank or the BHIM UPI app. Provide details such as the transaction ID, date, and amount.
  3. Raise a dispute: If the transaction is marked as failed but the amount is debited, you can raise a dispute through the app or by contacting customer support.
  4. Follow up: Keep track of your complaint and follow up if necessary. The bank usually resolves such issues within a few working days.
Why is my UPI transaction successful but not credited?

If your UPI transaction is marked as successful but the amount is not credited to the beneficiary’s account, it could be due to:

  1. Processing delays: Sometimes, there might be a delay in the processing of the transaction by the bank.
  2. Technical glitches: Technical issues on the bank’s or UPI system’s end can cause delays in crediting the amount.
  3. Incorrect details: Ensure that the beneficiary’s UPI ID or bank details were entered correctly.

In such cases, you should:

  1. Wait for a while: Give it some time as the amount might be credited after a short delay.
  2. Check with the beneficiary: Confirm with the beneficiary if they have received the amount.
  3. Contact customer support: If the issue persists, contact your bank’s customer support with the transaction details for further assistance.
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