UPI error XR: Restricted card (payer bank)
Raised by: Payer's bank. Source: NPCI, UPI Error and Response Codes v2.9, section 3.1, codes populated by banks and PSPs.
What it means
The payer's bank declined because of a restriction ('restricted card'). 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.
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.
Payer's bank.
Business: the systems worked and declined the payment.
What you should do
Call your bank and ask what restriction is on your card or account.
If you are a merchant, bank or PSP
Business decline. Ask the customer to resolve it with the issuer.
UPI error XR kya hai?
XR ka matlab hai aapke bank ne card ya account par restriction lagayi hai.
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.