Is money deducted with UPI error ZL?

NPCI's list doesn't say at which step this code is raised. Most failed UPI payments are not debited; check your statement. If you were debited and the payment failed, the money is due back by T+1 for a transfer to a person, or T+5 for a payment to a merchant.

UPI error codes / ZL

UPI response code

UPI error ZL: Received late response

Official NPCI descriptionRECEIVED LATE RESPONSE (RESERVED FOR FUTURE PURPOSE) UNCLASSIFIED

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

A response arrived too late. NPCI marks ZL as reserved for future use and gives it no technical or business tag. The switch-level code for a late response is U70.

Not fully documented: Reserved for future use in NPCI's list.

Was money deducted?

NPCI's list doesn't say at which step this code is raised. Most failed UPI payments are not debited; check your statement.

When does the money come back?

If you were debited and the payment failed, the money is due back 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

NPCI doesn't classify this one as technical or business.

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 your statement and app history before paying again.

If you are a merchant, bank or PSP

Reserved code. Reconcile the transaction status before any retry.

UPI error ZL kya hai?

ZL ka matlab hai jawab der se aaya.

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.

See all 216 UPI error codes →