, pub-8788839508935057, DIRECT, f08c47fec0942fa0 Is UPI Giving You a Hard Time? Here's How to Make It Work Every Time

Is UPI Giving You a Hard Time? Here’s How to Make It Work Every Time

The Unified Payments Interface (UPI) has undeniably revolutionized our lives, simplifying online payments with a mere touch. Whether we’re indulging in a shopping spree at the mall or refueling our vehicles at the petrol station, UPI has us covered. However, as UPI gains more traction, the use of cash dwindles, leaving individuals in awkward predicaments when UPI encounters glitches or hiccups.

But what leads to these stalls in UPI payments? There exists a multitude of factors that can disrupt UPI transactions, resulting in payment failures. Below, we delve into some suggestions to help navigate such payment-related tribulations.

UPI Transaction Daily Quota Most banks and payment processors have imposed restrictions on the number of UPI transactions one can undertake daily. Furthermore, as per NPCI regulations, the maximum amount permissible for a single UPI transaction stands at Rs. 1 lakh.

Consequently, if you’ve exceeded the daily money transfer limit or initiated approximately 10 UPI transactions, you will need to exercise patience for a 24-hour cooldown period. Alternatively, you may explore the option of making payments from an alternative bank account or payment channel if you find yourself in such a situation.

Overburdened Bank Servers Among the most prevalent causes of UPI disruptions and payment impediments are overloaded bank servers. Hence, it is advisable to link multiple bank accounts to your UPI ID to mitigate such setbacks. In the event that one of your bank’s servers encounters an issue, you can seamlessly switch to your secondary bank account for initiating payments.

Recipient Information Verification Before initiating any fund transfer, it is imperative to meticulously validate the recipient’s bank details, including the IFSC code and account number. A slight error in entering these details could result in a transaction failure on the user’s end.

Forgotten UPI PIN In today’s fast-paced world, we grapple with a multitude of passwords, ranging from those for our smartphones, ATMs, emails, and more. Consequently, it’s not uncommon to forget your UPI PIN. If this happens, fret not. You can reset your UPI PIN by selecting the “Forget UPI PIN” option and following the on-screen instructions. Moreover, it might be prudent to record your PIN in a secure location if you find yourself frequently forgetting it.

Internet Connectivity Woes A primary culprit behind stalled or failed UPI payments often lies in connectivity issues. To ensure a stable internet connection, consider moving around to search for a signal or, if feasible, request the sender to enable their mobile hotspot.

Introducing UPI Lite As previously discussed, the sluggish performance of bank servers and network troubles can lead to UPI payment failures. To address this concern, NPCI introduced UPI Lite last year, aiming to aid users in such situations.

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