UPI error YC: Do not honour (remitter)
Raised by: Payer's bank. Source: NPCI, UPI Error and Response Codes v2.9.
What it means
Your own bank declined the payment. "Do not honour" is a general refusal from the payer's bank (the remitter): the request reached the bank, but the bank chose not to approve the debit. Common reasons are the bank's risk or fraud checks, a restriction on the account, a limit, or a problem with the account's status. The code itself doesn't say which one.
Usually not. A declined debit shouldn't take money from your account. If your balance did drop, it counts as a failed transaction and the bank has to reverse it.
Business: the systems worked and declined the payment.
What you should do
Check that your account is active and not frozen, and that you haven't hit a daily limit. Try once more after some time, or pay from a different bank account linked to your UPI app. If YC keeps coming back, call your bank: only they can see why they declined it.
If you run a payments business
YC is a business decline from the payer's bank, so retrying the same account rarely helps. Show the payer a clear message to try another bank account or payment method, and track YC rates by issuing bank to spot banks with stricter risk rules.
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.