UPI error codes: every code, what it means, what to do
A failed UPI payment comes back with a short code. It tells you which system said no and why. This page lists all 216 codes from NPCI's official UPI Error and Response Codes document (version 2.9), and explains the ones people actually run into.
Most common codes
U30Debit has been failedU16Risk threshold exceededM16AI model declineZ9Insufficient funds in customer (remitter) accountZMInvalid MPINZ6Number of PIN tries exceededXHAccount does not exist (remitter)Z8Per transaction limit exceeded as set by remitting memZ7Transaction frequency limit exceeded as set by remittiFLFirst transaction limit exceededFPFreeze period for first time userU69Collect expiredU28Remitter bank not availableU67Debit timeoutU68Credit timeoutU31Credit has been failedU09ReqAuth time out for payXYRemitter CBS offlineY1Beneficiary CBS offlineYERemitting account blocked/frozenZXInactive or dormant account (remitter)B1Registered mobile number linked to the account has beeAMMPIN not set by customerB3Transaction not permitted to the account (example: minK1Suspected fraud, decline / transactions declined basedIRUnable to process due to internal exception at server/
Was money deducted? Usually not: most declines happen before the debit. Timeouts (U67, U68) and failed credits (U31) are the exceptions. Under RBI's turnaround-time rules (circular DPSS.CO.PD No.629/02.01.014/2019-20, 20 September 2019), if your account is debited but the receiver isn't credited on a UPI or IMPS transfer, the bank has until the next working day (T+1) to credit the receiver or send the money back. After that it owes you ₹100 for every day of delay.
Technical or business decline?
NPCI splits declines into two kinds. A technical decline means a system didn't respond or failed: a bank offline, a timeout, a switch error. A business decline means the systems worked and said no, for a reason about the account or the payment: wrong PIN, not enough money, a limit, a risk check. Retrying helps with some technical declines and almost never with business ones.
All 216 UPI codes
Showing all 216 codes.
| Code | NPCI description | Type & side |
|---|---|---|
| 00 | Approved or completed successfully | SUCCESS Bank / PSP |
| 15 | Issuer not live on UPI | BUSINESS Bank / PSP |
| 59 | Suspected fraud, decline/transactions declined based on riskscore by remitter | BUSINESS Payer's bank |
| AM | MPIN not set by customer | BUSINESS Bank / PSP |
| B1 | Registered mobile number linked to the account has been changed/removed | BUSINESS Bank / PSP |
| B3 | Transaction not permitted to the account (example: minor account, proprietor account, legal case against this account etc., NRE (as per bank’s policy)) | BUSINESS Bank / PSP |
| B6 | Mismatch in payment details | TECHNICAL Bank / PSP |
| CA | Compliance error code for acquirer | BUSINESS Bank / PSP |
| CI | Compliance error code for issuer | BUSINESS Bank / PSP |
| DF | Duplicate RRN found in the transaction. (beneficiary) | BUSINESS Receiver's bank |
| DT | Duplicate RRN found in the transaction. (remitter) | BUSINESS Payer's bank |
| FL | First transaction limit exceeded (For a first-time UPI user the first transaction is capped at Rs 5,000; anything above is rejected by the remitter bank.) | BUSINESS Bank / PSP |
| FP | Freeze period for first time user (For 24 hours after the first transaction, cumulative payments above Rs 5,000 are rejected.) | BUSINESS Bank / PSP |
| HS | Banks HSM is down(remitter) | TECHNICAL Payer's bank |
| IC | Debit amount is not blocked for the customer | BUSINESS Bank / PSP |
| ID | Debit amount greater than blocked amount | BUSINESS Bank / PSP |
| IE | Adequate funds not available in the account because funds have been blocked for mandate | BUSINESS Bank / PSP |
| IR | Unable to process due to internal exception at server/CBS/etc on remitter side | TECHNICAL Payer's bank |
| K1 | Suspected fraud, decline / transactions declined based on risk score by remitter | BUSINESS Payer's bank |
| LC | Unable to process credit from bank’s pool/BGL account | BUSINESS Bank / PSP |
| LD | Unable to process debit in bank’s pool/BGL account | TECHNICAL Bank / PSP |
| MB | Incorrect account details due to amalgamated/merged activity on beneficiary side (beneficiary) | BUSINESS Receiver's bank |
| MR | Incorrect account details due to amalgamated/merged activity on remitter side (remitter) | BUSINESS Payer's bank |
| NO | No original request found during debit/credit | TECHNICAL Bank / PSP |
| PS | Maximum balance exceeded as set by beneficiary bank | BUSINESS Receiver's bank |
| QU | Payer account has changed(payer) | BUSINESS Bank / PSP |
| UA | PSP not supported by UPI | BUSINESS Bank / PSP |
| UB | Unable to process due to internal exception at server/CBS/etc on beneficiary side | TECHNICAL Receiver's bank |
| UP | PSP time-out | TECHNICAL Bank / PSP |
| VA | Mandate has been revoked | BUSINESS Bank / PSP |
| VB | Incorrect recurrence pattern | BUSINESS Bank / PSP |
| VC | Incorrect recurrence pattern rule | BUSINESS Bank / PSP |
| VD | Incorrect amount rule | BUSINESS Bank / PSP |
| VE | Mandate is already honoured | BUSINESS Bank / PSP |
| VF | UMN does not exist (remitter) | BUSINESS Payer's bank |
| VG | Payer VPA is incorrect (remitter) | BUSINESS Payer's bank |
| VH | Mandate signature is tampered or corrupt (remitter) | BUSINESS Payer's bank |
| VI | Execution day and execution rule mismatch (remitter) | BUSINESS Payer's bank |
| VJ | Payer account has changed (remitter) | BUSINESS Payer's bank |
| VK | Number of mandates allowed on this account has exceeded issuer's limit (optional: as per bank's policy) | BUSINESS Bank / PSP |
| VL | Mandate registration not allowed for CC PF PPF act (bank's policy) | BUSINESS Bank / PSP |
| VM | Nature of debit not allowed in account type | BUSINESS Bank / PSP |
| VO | Payment stopped by court order | BUSINESS Bank / PSP |
| VP | Withdrawal stopped owing to death of account holder | BUSINESS Bank / PSP |
| VQ | Withdrawal stopped owing to insolvency of account | BUSINESS Bank / PSP |
| VR | Withdrawal stopped owing to lunacy of account hold | BUSINESS Bank / PSP |
| VS | Duplicate mandate request for same item | BUSINESS Bank / PSP |
| VT | Mandate is paused | BUSINESS Bank / PSP |
| VU | Mandate has expired | BUSINESS Bank / PSP |
| VY | Payee VPA is incorrect (remitter) | BUSINESS Payer's bank |
| VZ | Payment stopped by attachment order | BUSINESS Bank / PSP |
| X6 | Invalid merchant (acqurier) | BUSINESS Bank / PSP |
| X7 | Merchant not reachable (acqurier) | TECHNICAL Bank / PSP |
| XB | Invalid transaction or if member is not able to find any appropriate response code (remitter) | BUSINESS Payer's bank |
| XC | Invalid transaction or if member is not able to find any appropriate response code (beneficiary) | BUSINESS Receiver's bank |
| XD | Invalid amount (remitter) | BUSINESS Payer's bank |
| XE | Invalid amount (beneficiary) | BUSINESS Receiver's bank |
| XF | Format error (invalid format) (remitter) | BUSINESS Payer's bank |
| XG | Format error (invalid format) (beneficiary) | BUSINESS Receiver's bank |
| XH | Account does not exist (remitter) | BUSINESS Payer's bank |
| XI | Account does not exist (beneficiary) | BUSINESS Receiver's bank |
| XJ | Requested function not supported (remitter) | BUSINESS Payer's bank |
| XK | Requested function not supported (beneficiary) | BUSINESS Receiver's bank |
| XL | Expired card, decline (remitter) | BUSINESS Payer's bank |
| XM | Expired card, decline (beneficiary) | BUSINESS Receiver's bank |
| XN | No card record (remitter) | BUSINESS Payer's bank |
| XO | No card record (beneficiary) | BUSINESS Receiver's bank |
| XP | Transaction not permitted to cardholder (remitter) | BUSINESS Payer's bank |
| XQ | Transaction not permitted to cardholder (beneficiary) | BUSINESS Receiver's bank |
| XR | Restricted card, decline (remitter) | BUSINESS Payer's bank |
| XS | Restricted card, decline (beneficiary) | BUSINESS Receiver's bank |
| XT | Cut-off is in process (remitter) | TECHNICAL Payer's bank |
| XU | Cut-off is in process (beneficiary) | TECHNICAL Receiver's bank |
| XV | Transaction cannot be completed. compliance violation (remitter) | BUSINESS Payer's bank |
| XW | Transaction cannot be completed. compliance violation (beneficiary) | BUSINESS Receiver's bank |
| XX | No financial address record found | BUSINESS Bank / PSP |
| XY | Remitter CBS offline | TECHNICAL Payer's bank |
| Y1 | Beneficiary CBS offline | TECHNICAL Receiver's bank |
| YA | Lost or stolen card (remitter) | BUSINESS Payer's bank |
| YB | Lost or stolen card (beneficiary) | BUSINESS Receiver's bank |
| YC | Do not honour (remitter) | BUSINESS Payer's bank |
| YD | Do not honour (beneficiary) | BUSINESS Receiver's bank |
| YE | Remitting account blocked/frozen | BUSINESS Bank / PSP |
| YF | Beneficiary account blocked/frozen | BUSINESS Receiver's bank |
| YH | Merchant error(acquiring bank) | BUSINESS Bank / PSP |
| YI | Invalid response code | BUSINESS Bank / PSP |
| Z5 | Invalid beneficiary credentials | BUSINESS Receiver's bank |
| Z6 | Number of PIN tries exceeded | BUSINESS Bank / PSP |
| Z7 | Transaction frequency limit exceeded as set by remitting member | BUSINESS Bank / PSP |
| Z8 | Per transaction limit exceeded as set by remitting member | BUSINESS Bank / PSP |
| Z9 | Insufficient funds in customer (remitter) account | BUSINESS Payer's bank |
| ZC | ACQUIRER/BENEFICIARY UNAVAILABLE (Reserved for future purpose) | TECHNICAL Receiver's bank |
| ZD | Validation error | BUSINESS Bank / PSP |
| ZF | Transaction not permitted to device | BUSINESS Bank / PSP |
| ZI | Suspected fraud, decline / transactions declined based on risk score by beneficiary | BUSINESS Receiver's bank |
| ZJ | BENEFICIARY OR ACQUIRING SWITCH IS INOPERATIVE/NODE OFFLINE (Reserved for future purpose) | TECHNICAL Receiver's bank |
| ZK | REMITTER SWITCH IS INOPERATIVE/NODE OFFLINE (Reserved for future purpose) | TECHNICAL Payer's bank |
| ZL | RECEIVED LATE RESPONSE (Reserved for future purpose) | UNCLASSIFIED Bank / PSP |
| ZM | Invalid MPIN | BUSINESS Bank / PSP |
| ZN | Functionality not yet available for merchant through the acquiring bank | BUSINESS Bank / PSP |
| ZO | Functionality not yet available for customer through the payee PSP | BUSINESS Bank / PSP |
| ZP | Banks as beneficiary not live on particular TXN type | BUSINESS Receiver's bank |
| ZQ | UNABLE TO PROCESS REVERSAL (Reserved for future purpose) | BUSINESS Bank / PSP |
| ZR | Invalid OTP | BUSINESS Bank / PSP |
| ZS | OTP expired | BUSINESS Bank / PSP |
| ZT | OTP transaction limit exceeded | BUSINESS Bank / PSP |
| ZU | Limit exceeded for remitting bank/issuing bank | BUSINESS Bank / PSP |
| ZV | INCORRECT OTP (Reserved for future purpose) | BUSINESS Bank / PSP |
| ZX | Inactive or dormant account (remitter) | BUSINESS Payer's bank |
| ZY | Inactive or dormant account (beneficiary) | BUSINESS Receiver's bank |
| HS1 | HSM offline | UNCLASSIFIED NPCI UPI switch |
| HS2 | HSM timeout | UNCLASSIFIED NPCI UPI switch |
| HS3 | HSM communication error | UNCLASSIFIED NPCI UPI switch |
| M16 | AI model decline | BUSINESS NPCI UPI switch |
| S93 | Payee_psp_throttle_decline_outgoing_count | TECHNICAL NPCI UPI switch |
| S94 | Payee_psp_throttle_decline_response_time | TECHNICAL NPCI UPI switch |
| S95 | Beneficiary dispatch failed | UNCLASSIFIED NPCI UPI switch |
| S96 | Remitter dispatch failed | UNCLASSIFIED NPCI UPI switch |
| S97 | Address resolution dispatch failed | UNCLASSIFIED NPCI UPI switch |
| S98 | Issuer dispatch failed | UNCLASSIFIED NPCI UPI switch |
| U01 | The request is duplicate | TECHNICAL NPCI UPI switch |
| U02 | Amount cap is exceeded | BUSINESS NPCI UPI switch |
| U03 | Net debit cap is exceeded | BUSINESS NPCI UPI switch |
| U04 | Request is not found | TECHNICAL NPCI UPI switch |
| U05 | Formation is not proper | TECHNICAL NPCI UPI switch |
| U06 | Transaction ID is mismatched | TECHNICAL NPCI UPI switch |
| U07 | Validation error | TECHNICAL NPCI UPI switch |
| U08 | System exception | TECHNICAL NPCI UPI switch |
| U09 | ReqAuth time out for pay | TECHNICAL NPCI UPI switch |
| U10 | Illegal operation | BUSINESS NPCI UPI switch |
| U11 | Credentials is not present | BUSINESS NPCI UPI switch |
| U12 | Amount or currency mismatch | TECHNICAL NPCI UPI switch |
| U13 | External error | TECHNICAL NPCI UPI switch |
| U14 | Encryption error | TECHNICAL NPCI UPI switch |
| U15 | Checksum failed | TECHNICAL NPCI UPI switch |
| U16 | Risk threshold exceeded | BUSINESS NPCI UPI switch |
| U17 | PSP is not registered | BUSINESS NPCI UPI switch |
| U18 | Request authorisation acknowledgement is not received | TECHNICAL NPCI UPI switch |
| U19 | Request authorisation is declined | BUSINESS NPCI UPI switch |
| U20 | Request authorisation timeout | TECHNICAL NPCI UPI switch |
| U21 | Request authorisation is not found | TECHNICAL NPCI UPI switch |
| U22 | CM request is declined | TECHNICAL NPCI UPI switch |
| U23 | CM request timeout | TECHNICAL NPCI UPI switch |
| U24 | CM request acknowledgement is not received | TECHNICAL NPCI UPI switch |
| U25 | CM URL is not found | TECHNICAL NPCI UPI switch |
| U26 | PSP request credit pay acknowledgement is not received | TECHNICAL NPCI UPI switch |
| U27 | No response from PSP | TECHNICAL NPCI UPI switch |
| U28 | Remitter bank not available | TECHNICAL NPCI UPI switch |
| U29 | Address resolution is failed | UNCLASSIFIED NPCI UPI switch |
| U30 | Debit has been failed | UNCLASSIFIED NPCI UPI switch |
| U31 | Credit has been failed | UNCLASSIFIED NPCI UPI switch |
| U32 | Credit revert has been failed | TECHNICAL NPCI UPI switch |
| U33 | Debit revert has been failed | TECHNICAL NPCI UPI switch |
| U34 | Reverted | UNCLASSIFIED NPCI UPI switch |
| U35 | Response is already been received | TECHNICAL NPCI UPI switch |
| U36 | Request is already been sent | TECHNICAL NPCI UPI switch |
| U37 | Reversal has been sent | TECHNICAL NPCI UPI switch |
| U38 | Response is already been sent | TECHNICAL NPCI UPI switch |
| U39 | Transaction is already been failed | TECHNICAL NPCI UPI switch |
| U40 | IMPS processing failed in UPI | TECHNICAL NPCI UPI switch |
| U41 | IMPS is signed off | TECHNICAL NPCI UPI switch |
| U42 | IMPS transaction is already been processed | TECHNICAL NPCI UPI switch |
| U43 | IMPS is declined | UNCLASSIFIED NPCI UPI switch |
| U44 | Form has been signed off | TECHNICAL NPCI UPI switch |
| U45 | Form processing has been failed in UPI | TECHNICAL NPCI UPI switch |
| U46 | Request credit is not found | TECHNICAL NPCI UPI switch |
| U47 | Request debit is not found | TECHNICAL NPCI UPI switch |
| U48 | Transaction ID is not present | TECHNICAL NPCI UPI switch |
| U49 | Request message ID is not present | TECHNICAL NPCI UPI switch |
| U50 | IFSC is not present | BUSINESS NPCI UPI switch |
| U51 | Request refund is not found | TECHNICAL NPCI UPI switch |
| U52 | PSP ORGID not found | BUSINESS NPCI UPI switch |
| U53 | PSP request pay debit acknowledgement not received | TECHNICAL NPCI UPI switch |
| U54 | Transaction ID or amount in credential block does not match with that in ReqPay | TECHNICAL NPCI UPI switch |
| U55 | Message integrity failed due to ORGID mismatch | TECHNICAL NPCI UPI switch |
| U56 | Number of payees differs from original request | TECHNICAL NPCI UPI switch |
| U57 | Payee amount differs from original request | TECHNICAL NPCI UPI switch |
| U58 | Payer amount differs from original request | TECHNICAL NPCI UPI switch |
| U59 | Payee address differs from original request | TECHNICAL NPCI UPI switch |
| U60 | Payer address differs from original request | TECHNICAL NPCI UPI switch |
| U61 | Payee info differs from original request | TECHNICAL NPCI UPI switch |
| U62 | Payer info differs from original request | TECHNICAL NPCI UPI switch |
| U63 | Device registration failed in UPI | TECHNICAL NPCI UPI switch |
| U64 | Data tag should contain 4 parts during device registration | TECHNICAL NPCI UPI switch |
| U65 | Creds block should contain correct elements during device registration | TECHNICAL NPCI UPI switch |
| U66 | Device fingerprint mismatch | BUSINESS NPCI UPI switch |
| U67 | Debit timeout | TECHNICAL NPCI UPI switch |
| U68 | Credit timeout | TECHNICAL NPCI UPI switch |
| U69 | Collect expired | BUSINESS NPCI UPI switch |
| U70 | Received late response | TECHNICAL NPCI UPI switch |
| U71 | Merchant credit not supported in IMPS | TECHNICAL NPCI UPI switch |
| U72 | VAE failed | TECHNICAL NPCI UPI switch |
| U74 | Payer account mismatch | TECHNICAL NPCI UPI switch |
| U75 | Payee account mismatch | TECHNICAL NPCI UPI switch |
| U76 | Mobile banking registration format not supported by the issuer bank | TECHNICAL NPCI UPI switch |
| U77 | Merchant blocked | TECHNICAL NPCI UPI switch |
| U78 | Beneficiary bank offline | TECHNICAL NPCI UPI switch |
| U80 | Payer PSP throttle decline | TECHNICAL NPCI UPI switch |
| U81 | Remitter bank deemed check decline | TECHNICAL NPCI UPI switch |
| U82 | Read timeout in ReqPay credit | TECHNICAL NPCI UPI switch |
| U84 | Beneficiary bank deemed check decline | TECHNICAL NPCI UPI switch |
| U85 | Connection timeout in ReqPay debit | TECHNICAL NPCI UPI switch |
| U86 | Remitter bank throttling decline | TECHNICAL NPCI UPI switch |
| U87 | Read timeout in ReqPay debit | TECHNICAL NPCI UPI switch |
| U88 | Connection timeout in ReqPay credit | TECHNICAL NPCI UPI switch |
| U89 | Beneficiary bank throttling decline | TECHNICAL NPCI UPI switch |
| U90 | Remitter bank deemed high response time check decline | TECHNICAL NPCI UPI switch |
| U91 | Beneficiary bank deemed high response time check decline | TECHNICAL NPCI UPI switch |
| U92 | Payer PSP not available | TECHNICAL NPCI UPI switch |
| U93 | Payee PSP not available | TECHNICAL NPCI UPI switch |
| U94 | Payee PSP throttle decline | TECHNICAL NPCI UPI switch |
| U95 | Payee VPA Aadhaar or IIN VPA is disabled | BUSINESS NPCI UPI switch |
| U96 | Payer and payee IFSC/ACNUM can't be same | BUSINESS NPCI UPI switch |
| U97 | PSP request meta acknowledgement not received | TECHNICAL NPCI UPI switch |
| U98 | Null ACK received by UPI for meta transaction | TECHNICAL NPCI UPI switch |
| U99 | Negative ACK received by UPI for meta transaction | TECHNICAL NPCI UPI switch |
Source: National Payments Corporation of India, Unified Payments Interface — Error and Response Codes, version 2.9 (17 January 2024). Descriptions are NPCI's own wording. Codes marked "Unclassified" have no technical/business tag in that document. Banks and apps may word them differently.
Questions
What is a UPI error code?
When a UPI payment fails, NPCI returns a short code that says which system declined it and why. Your UPI app usually shows it next to the failed transaction.
Is money deducted when a UPI payment fails?
Usually not. Most declines happen before the debit. With timeouts such as U67 or U68 your account can be debited; RBI's rules then require the money to be reversed or credited by the next working day, with Rs 100 per day compensation after that.
What is the difference between a technical and a business decline?
A technical decline means a system failed or didn't respond. A business decline means the systems worked and refused the payment, for example wrong PIN or insufficient balance.
Which UPI error codes are most common?
The ones people search for most are U30 (debit failed), U16 (risk threshold exceeded), Z9 (insufficient funds), ZM (wrong PIN), U69 (collect request expired) and U28 (payer's bank unavailable).
Running a payments business? ZyroAI UPI Stack tracks these codes per bank, hop by hop.