Is money deducted with UPI error ZQ?

Possibly. The final status wasn't confirmed when this code was raised. Check your statement before paying again. If the payment ends as failed, the money is due back by T+1 for a transfer to a person, or T+5 for a payment to a merchant. Don't pay a second time until the status is final.

UPI error codes / ZQ

UPI response code

UPI error ZQ: Unable to process reversal

Official NPCI descriptionUNABLE TO PROCESS REVERSAL (RESERVED FOR FUTURE PURPOSE) 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 reversal couldn't be processed. NPCI marks ZQ as reserved for future use; the codes used in practice for reversal failures are U32 and U33.

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

Was money deducted?

Possibly. The final status wasn't confirmed when this code was raised. Check your statement before paying again.

When does the money come back?

If the payment ends as failed, the money is due back by T+1 for a transfer to a person, or T+5 for a payment to a merchant. Don't pay a second time until the status is final.

Which side caused it?

Bank handling the reversal.

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

If money left your account, raise a complaint in your UPI app with the transaction reference. RBI's deadlines for reversal still apply.

If you are a merchant, bank or PSP

Track it to closure through the dispute process.

UPI error ZQ kya hai?

ZQ ka matlab hai reversal process nahi ho paya; complaint karein.

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 →