UPI error codes / ZD
UPI response code

UPI error ZD: Validation error

Official NPCI descriptionVALIDATION ERROR BUSINESS

Raised by: Bank / PSP. Source: NPCI, UPI Error and Response Codes v2.9, section 3.1, codes populated by banks and PSPs.

What it means

The bank found a validation error in the request. NPCI doesn't say which field failed.

Not fully documented: NPCI doesn't say which validation ZD refers to.

Was money deducted?

No. This decline happens before your account is debited.

When does the money come back?

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.

Which side caused it?

Bank or PSP.

Type of decline

Business: the systems worked and declined the payment.

If money left your account. Under RBI's turnaround-time rules (circular DPSS.CO.PD No.629/02.01.014/2019-20, 20 September 2019), if your account is debited but the payment fails, the money must come back by the next working day (T+1) for a transfer to a person, or within T+5 days for a payment to a merchant. After that the bank owes you ₹100 for every day of delay.

What you should do

Check the details you entered and try again, or use another UPI app.

If you are a merchant, bank or PSP

Ask the bank which validation failed. Compare your request with the NPCI spec.

UPI error ZD kya hai?

ZD ka matlab hai request ki validation fail hui.

Related codes

U07Validation errorXFFormat error (payer bank)B6Mismatch in payment detailsU05Request not properly formedXDInvalid amount (payer bank)

If it still isn't sorted

  1. 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.
  2. If the app doesn't resolve it, contact your bank's grievance desk with the same reference.
  3. 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.

See all 216 UPI error codes →