UPI error U80: Payer PSP throttled
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
NPCI throttled the payer's PSP (the payment app's bank) to protect the system, so the request was declined up front.
No. This decline happens before your account is debited.
Nothing to refund in the normal case. If a debit does show on your statement, the bank must reverse it by T+1 for a transfer to a person, or T+5 for a payment to a merchant.
NPCI's UPI switch.
Technical: a system didn't respond or failed.
What you should do
Wait a few minutes and try again, or use another UPI app. Check your statement first in case money left your account.
If you are a merchant, bank or PSP
If you are the payer PSP, check your throughput and NPCI's throttle limits.
UPI error U80 kya hai?
U80 ka matlab hai aapke UPI app ke PSP par NPCI ne load control lagaya.
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.