UPI error 00: Approved, payment successful
Raised by: Bank / PSP. Source: NPCI, UPI Error and Response Codes v2.9, section 3.1, codes populated by banks and PSPs.
What it means
00 is not an error. It is the code a bank sends when the payment went through. If your app showed 00 but the receiver says nothing arrived, the money has left your account and the receiver's bank should credit it.
Yes, because the payment succeeded. This is not a failure.
Not applicable: the payment went through.
Nobody: this is the success code banks and PSPs populate in their response.
Not a decline: this is the success code.
What you should do
Nothing to fix. If the receiver can't see the money, share the UPI reference number (RRN) with them so their bank can trace it.
If you are a merchant, bank or PSP
Treat 00 from the bank as success, but always reconcile against the final status from NPCI (the RespPay result). A 00 on one leg is not the final status of the whole payment.
UPI error 00 kya hai?
00 ka matlab hai payment safal ho gaya; ye error nahi hai.
Related codes
If it still isn't sorted
- Raise a complaint inside your UPI app. Every UPI app has a help or dispute option on the transaction, and it goes into NPCI's online dispute system. Keep the UPI transaction ID or RRN handy.
- If the app doesn't resolve it, contact your bank's grievance desk with the same reference.
- If your bank hasn't replied within 30 days, or you're not happy with the reply, complain to the RBI Ombudsman at cms.rbi.org.in. It's free.
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.