UPI error YE: Remitting account blocked/frozen
Raised by: Bank / PSP. Source: NPCI, UPI Error and Response Codes v2.9.
What it means
The payer's bank account is blocked or frozen. Causes include pending KYC updates, a freeze placed by the bank, or an order from an authority.
No.
Business: the systems worked and declined the payment.
What you should do
Contact your bank branch. Updating KYC often clears it. If a legal order is behind the freeze, the bank can tell you which one.
If you run a payments business
Nothing to retry. The payer has to sort it out with their bank.
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.