UPI error YA: Lost or stolen 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 has the card or account flagged as lost or stolen. 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
If you reported your card lost, ask your bank to issue a new card and reset your UPI PIN. If you didn't, call your bank right away.
If you are a merchant, bank or PSP
Don't retry. This can point to account misuse.
UPI error YA kya hai?
YA ka matlab hai bank ne card ya account ko lost ya stolen mark kiya 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.