UPI error codes / AM
UPI error AM: MPIN not set by customer
Official NPCI descriptionMPIN NOT SET BY CUSTOMER BUSINESS
Raised by: Bank / PSP. Source: NPCI, UPI Error and Response Codes v2.9.
What it means
No UPI PIN has been set for this bank account yet.
Was money deducted?
No.
Type of decline
Business: the systems worked and declined the payment.
What you should do
Set the UPI PIN in your UPI app. Depending on the bank you'll need your debit card's last six digits and expiry, or an Aadhaar OTP.
If you run a payments business
Route the user to PIN setup instead of a dead end.
Related codes
ZMInvalid MPINZ6Number of PIN tries exceededB1Registered mobile number linked to the account has been chan
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.