How to File an NPCI Online Complaint for UPI Payment Failure in 2026

In today’s fast-paced digital era, UPI (Unified Payments Interface) has revolutionized the way we transfer money, pay bills, and conduct financial transactions. However, like any technology, it’s not immune to glitches. Failed UPI payments, money not credited or debited twice, and pending refunds are common complaints. Thankfully, the National Payments Corporation of India (NPCI) provides a seamless online grievance redressal system for such cases.

In this guide, we’ll walk you through everything you need to know about lodging an NPCI online complaint for failed UPI transactions and how to make sure your concerns are addressed quickly and efficiently.

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What is NPCI and Why It Matters?

NPCI (National Payments Corporation of India) is the governing body behind UPI, RuPay, IMPS, and several other retail payment systems in India. It plays a crucial role in ensuring secure, reliable, and real-time payments between banks, fintech companies, and consumers. If your UPI transaction fails, and your bank is unresponsive or slow to resolve the issue, NPCI steps in as the next level of escalation.

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Common UPI Payment Issues Users Face

Before jumping into the complaint process, let’s identify the most common issues:

• Money debited but not credited to the receiver.
• UPI transaction failed but amount not reversed.
• Delay in refunds from merchant transactions.
• Technical errors or “transaction pending” messages.
• Unsuccessful scans or issues with QR code payments.

If you’re facing any of the above, it’s time to register a UPI payment failed complaint with NPCI.

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Step-by-Step Guide: Filing NPCI Online Complaint

Filing a complaint online through the NPCI portal is easy and doesn’t require visiting any bank or office. Follow these steps:

Step 1: Visit the NPCI Complaint Portal

Go to the official NPCI Dispute Redressal portal:
🔗 https://npcicomplaint.com/

Step 2: Select Transaction Type

Choose the correct payment system (UPI, IMPS, RuPay, BBPS, etc.) for which you’re filing the complaint. In our case, select “UPI.”

Step 3: Fill in Transaction Details

Keep the following information ready:

• Your mobile number linked with UPI
• Transaction ID/reference number
• Date and time of transaction
• Amount
• Bank name and UPI app used (PhonePe, GPay, Paytm, etc.)
• Screenshots or bank statement (optional but helpful)

Step 4: Submit the Complaint

Once the form is filled, submit your complaint. You will receive a unique complaint reference number that you can use to track your grievance.

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What Happens After Submission?

After submitting your complaint, the system redirects it to the concerned bank for review. If the bank fails to resolve it within 30 days, you can escalate it directly to the Ombudsman for Digital Transactions through the RBI CMS portal.

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Tips for Faster Resolution

• Act Quickly: Don’t wait too long; file the complaint within 24-48 hours of the failed transaction.
• Be Accurate: Fill in all details correctly, especially transaction ID and date.
• Attach Proof: Upload screenshots of the failed UPI payment or SMS confirmations.
• Follow Up: Use your complaint reference number to track progress and escalate if needed.

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Final Thoughts

Dealing with failed transactions can be frustrating, but NPCI has made the redressal process more user-friendly than ever. Whether you’re a regular UPI user or just had your first failed payment, being aware of how to lodge an NPCI complaint empowers you to get your hard-earned money back safely.