Is money deducted with UPI error B6?

NPCI's list doesn't say at which step this code is raised. Most failed UPI payments are not debited; check your statement. If you were debited and the payment failed, the money is due back by T+1 for a transfer to a person, or T+5 for a payment to a merchant.

UPI error codes / B6

UPI response code

UPI error B6: Mismatch in payment details

Official NPCI descriptionMISMATCH IN PAYMENT DETAILS TECHNICAL

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

The bank found that the payment details it received don't match: for example the amount, account or reference in the request is not what it expected. NPCI tags it as a technical decline but doesn't say which field.

Not fully documented: NPCI's list doesn't say which details must match, so the exact trigger varies by bank.

Was money deducted?

NPCI's list doesn't say at which step this code is raised. Most failed UPI payments are not debited; check your statement.

When does the money come back?

If you were debited and the payment failed, the money is due back by T+1 for a transfer to a person, or T+5 for a payment to a merchant.

Which side caused it?

Bank or PSP: their systems saw inconsistent payment data.

Type of decline

Technical: a system didn't respond or failed.

If money left your account. 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 payment fails, the money must come back by the next working day (T+1) for a transfer to a person, or within T+5 days for a payment to a merchant. After that the bank owes you ₹100 for every day of delay.

What you should do

Start a fresh payment instead of retrying the same one. Check the amount and the receiver's UPI ID first.

If you are a merchant, bank or PSP

Compare the fields you send in ReqPay with what the bank echoes back. B6 usually points to an integration bug, not to the customer.

UPI error B6 kya hai?

B6 ka matlab hai payment ki details match nahi hui; nayi payment karein.

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.

See all 216 UPI error codes →