Online UPI payments chalane me jitni asan lgti hai utni hai nahi kyoki agar apki payment fail ho jae to ap soch me pad jaate hai ki meri payment wapas aegi ya nahi. UPI payments se judi ek problem aur hai ki kai baar apko ye nahi pata chalta ki apke account se payment kab hui , apne konsa QR Code scan kiya , ya apke account se network problem ki wajah se transaction fail ho gayi lekin apke bank account se payment deduct hogayi . To in problems ka solution kya hai ?
Abhi tak UPI aur NPCI ka koi fied solution nahi hai nahi koi mechanism hai jis par ap real time me contact krke puch sake ki apki payment fail kyo hui aur apko refund kaise milega aur kab milega . UPI payment me frauds aur defaults ko dekte hue bhi apko pata hona chahiye ki UPI payments se jude contact number konse hai aur ap kis tarike se apne sath hue default ke baare me NPCI ya UPI Team ko bta skte hai .
NPCI ka naya mechanism launch hone wala hai jisme ap realtime me contact support par click krke UPI team se baat kr skoge aur apko payment ko lekar kya krna hai wo sab apko is article me samjhaya jaega .
UPI Payment fail kyo hota hai ?
UPI payment fail hone ke kuch karan hote hai jaise apke bank account me insufficient balance hona , samne wale ke QR code me problem hona , internet connection me problem , apke mobile device me problem etc . Aise bahut si problems hoti hai jiski wajah se apki UPI ki payment fail ho jati hai . Fail hone se kai baar apke bank account se payment cut jati hai aur samne wale ke account me ajati hai , ya apke account se payment jo jati hai aur samne wale ke account me nahi jati to apki payment kaha jati hai .
Iska sidha jawab hai Transaction Fail ya UPI Send Fail ka mtlb hai ki apki payment banking circle me chali gayi hai aur na hi wo beneficiary ke account me jati hai aur nahi apke account me instant credit hoti hai . Wo payment deduct hone ke bad banking circle me jakar apke account me wapas credit kar di jati hai 3 din ke ander . Government ke latest update ke according NPCI system me ek Real time payment dispute resolution system bhi tyaar kia ja raha hai jisme customer instant apne paise refund krwa skege UPI me call krke.
UPI Payment fail hone par ap kya kr skte hai ?
UPI Payment fail hone par bahut pareshani ka samna karna pdta hai kyoki agar apki payment ka amount jyada hai to apko bahut problem hoti hai . UPI payments me agar ap ek high value transaction kr rahe hai to mistake ki possibilities hoti hai jaise double payment ho jana , wrong payment ho jana ya payment fail ho jana . Abhi ki situation me agar apki koi bhi UPI payment fail hoti hai to apke pas kuch limited options hai UPI team ko contact krne ke aur apni payment reverse ya correct krwane ke :
- Ap NPCI ya BHIM UPI k portal ke Get in Touch feature par jakar customer support par apni query dal skte hai .
- NPCI Redressal Mechanism is mechanism par jakar ap online apni transaction ke according apni query dal skte hai . In options se team apko contact krti hai aur apko jald se jald resolution provide krti hai .
- BHIM Toll Free number 18001201740
UPI Payment fail hone ke bad kya hota hai ?
UPI Payments fail hone ke bad apke funds banks me freeze kr diye jate hai . Iska main reason hai ki ap kisi bhi UPI application se payment krte hai to banks ko aur government payment department ko ye jan ne me kuch time lg jata hai ki payment successful hui ya fail . Jaise hi payment ka status bank ko milta hai aur government NPCI department ko milta hai to wo apki payment apke bank account me refund kr dete hai .
Agar ap kisi third party payment app se payment krte hai jaise PAYTM UPI , GOOGLE PAY UPI , PHONEPE UPI to apko resolution milne me aur bhi time lg skta hai kyoki inki team apni transaction check krke apke bank ko communicate krti hai ki transaction pass h ya fail aur apke bank ko btati hai ki apne funds ko transfer krna hai ya return .
Cancel ya transaction fail hone ke bad apke paise apke account me 3 Working days ke ander transfer kr diye jate hai . Aur agar apki UPI Transaction fail ka resolution tab b nahi milta hai to ap upar diye gaye redressal mechanism me iski complaint kr skte hai .
Also read : Bank of Maharashtra ka Credit Card Kaise Apply Karna hai aur Cancel Kaise krna hai
UPI Payment bank se deduct ho gayi lekin payment fail ho gayi ?
UPI Payments me jaise ap kisi transaction ko execute krte hai to wo apse ek MPIN ya TPIN ke liye demand krta hai . MPIN ya TPIN enter krne ke bad apke account se instant payment deduct kr di jati hai . Payment deduct hote hi payment company recipient company ke account me use transfer krne ke liye attempt krti hai jis se wo instantly transfer ho jaye . Lekin kayi bar network problem , UPI Code problem ya banking circle me kuch problem hone se bank se payment deduct ho jati hai aur recipient ko nahi milti .
Ap is situation me aur bhi worried ho jate hai jab wo transaction fail ho jati hai aur apko refund bhi nhi milta . Aise me apko worried nahi hona hai UPI section me jakar sbse phle check krna hai ki apki payment success hai ya fail ise apko kam se kam 1 hr ke liye check karna hai .
Iske bad apko agar Transaction fail ka message ata hai, to apko kam se kam 3 Working days wait krna hai payment refund ka . Surely ,3 din ke ander apki payment apke bank account me reflect karegi .
To UPI se judi kai tarike ki problem asakti hai apko online pay krte hue . Advisory yahi hai ki ap business ki badi payments ya koi badi purchase sirf cheque ya cash ke through kare . Agar apko payment se related ya is topic se related koi bhi problem ya query hai to ap hame niche comment section me comment krke bta skte hai .