UPI error FP: Freeze period for first time user
Raised by: Bank / PSP. Source: NPCI, UPI Error and Response Codes v2.9.
What it means
The 24-hour cool-down for first-time UPI users. From the first UPI transaction, the total a new user can pay in 24 hours is ₹5,000, counting that first payment. Going over it returns FP.
No.
Business: the systems worked and declined the payment.
What you should do
Wait until 24 hours have passed since your first UPI payment, then try again.
If you run a payments business
Expect this on onboarding flows that ask new users for a large first payment.
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.