UPI error XO: No card record (receiver bank)
Raised by: Receiver's bank. Source: NPCI, UPI Error and Response Codes v2.9, section 3.1, codes populated by banks and PSPs.
What it means
The receiver's bank found no card record. The wording comes from card-network response codes that UPI reuses. NPCI's list doesn't say exactly when a bank uses it on UPI, where payments run from a bank account rather than a card.
Not fully documented: NPCI doesn't explain XO for account-based UPI payments.
Possibly. UPI debits the payer first and credits the receiver second, so a failure on the receiver's side can leave a debit that has to be reversed.
If you were debited, the reversal is automatic and due by T+1 for a transfer to a person, or T+5 for a payment to a merchant. After that the bank owes you ₹100 a day.
Receiver's bank.
Business: the systems worked and declined the payment.
What you should do
Ask the receiver to check with their bank. If you were debited, it will be reversed.
If you are a merchant, bank or PSP
Ask the beneficiary bank for the underlying reason.
UPI error XO kya hai?
XO ka matlab hai receiver ke bank ko card record nahi mila.
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.