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Contact UPI app support

According to RBI (Reserve Bank of India) guidelines, a user should first report the issue of an unintentional transaction with the payment service provider.

Take the screenshot of the incorrect transaction and raise the issue in the customer care support of GPay, Phonepe, Paytm or the UPI app through which you transferred the money.

You can report your issue and request a refund.

2) File complaint in NPCI portal

If you are unsatisfied with the UPI customer service then you can file a complaint in the official website of the NPCI portal.

■ Visit NPCI official website npci.org.in Go to "What we do tab" then opt for "UPI” and select "Dispute Redressal Mechanism”

■ Under the complaint section, fill out the Transaction details i.e., the nature of transaction and 'Incorrectly transferred to another account' as the issue, UPI transaction ID, Bank name, virtual payment address, amount transferred, date of transaction, email ID, and mobile number.

■ You should also upload the bank statement showing the amount deducted from the account for the transaction and Submit the complaint.

3) Contact bank

If the complaint still remains unresolved you can escalate to payment service provider (PSP) bank followed by the bank (where the enduser customer maintains its account) on the PSP app/TPAP app.