UPI error Z6: Number of PIN tries exceeded
Raised by: Bank / PSP. Source: NPCI, UPI Error and Response Codes v2.9.
What it means
Too many wrong UPI PIN attempts. Your bank has temporarily stopped accepting PIN entries for this account.
No.
Business: the systems worked and declined the payment.
What you should do
Wait out the block, or reset your UPI PIN, which usually clears it. Your bank sets how long the block lasts, and its customer care can tell you when it lifts.
If you run a payments business
Tell the user their PIN is locked and how to reset it. Every retry right now will fail.
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.