UPI error codes / U34
UPI response code

UPI error U34: Transaction reverted

Official NPCI descriptionREVERTED UNCLASSIFIED

Raised by: NPCI UPI switch. Source: NPCI, UPI Error and Response Codes v2.9, section 4.4, errors from the UPI service layer.

What it means

The transaction was reverted: a debit or credit that had happened was undone. NPCI gives it no technical or business tag.

Was money deducted?

Possibly, but it is being or has been returned.

When does the money come back?

Look for the reversal entry on your statement. If it isn't there by T+1 for a transfer to a person, or T+5 for a payment to a merchant, complain with the reference number.

Which side caused it?

NPCI's UPI switch.

Type of decline

NPCI doesn't classify this one as technical or business.

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

Check your statement for the reversal entry. If the debit isn't reversed yet, wait until the next working day, then complain with the transaction reference.

If you are a merchant, bank or PSP

Mark the transaction failed and reconcile the reversal.

UPI error U34 kya hai?

U34 ka matlab hai transaction revert ho gaya; paise wapas aane chahiye.

Related codes

U37Reversal has been sentU32Credit reversal failedU33Debit reversal failedU31Credit has been failedU30Debit has been failed

If it still isn't sorted

  1. 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.
  2. If the app doesn't resolve it, contact your bank's grievance desk with the same reference.
  3. 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 →