How to Check UPI Transaction Status?

UPI has made payments faster and simpler, but sometimes you might want to check the status of a transaction to ensure everything went smoothly. Whether it’s a transfer to a friend, a bill payment, or a purchase, keeping track of your UPI transactions is important. Checking the status helps you confirm if the payment was successful, pending, or failed, giving you peace of mind and clarity about your transactions.

In this blog, we’ll show you how to track your transactions. So, without waiting further, let’s get started!

What is UPI Transaction Status?

UPI transaction status shows what’s happening with your money transfer. It tells you if the transaction is complete, still in process, or if something went wrong. Here's what the statuses mean:

• Success: Your payment went through, and the money has been transferred.
• Pending: The payment is still being processed. You might need to wait a little while to see the final result.
• Failed: The transaction didn’t go through. You may need to try again or check with your bank if the issue continues.

Keeping an eye on your UPI transaction status can help you track your payments and sort out any issues quickly.

Methods to Check UPI Transaction Status

Tracking a UPI transaction is a simple process, and you can use a few different methods to check its status. Here’s how it's done:

Method 1: Using the UPI App

Most UPI apps, whether they are linked to your bank or standalone apps, provide an easy way to check transaction status. Here's how you can do it:

1. Open Your UPI App: Start by opening the UPI app on your phone.
2. Go to the Transaction History: Look for a section labelled “Recent Transactions,” “Transaction History,” “Passbook,” or something similar on the home screen. This is where all your recent UPI transactions will be listed.
3. Find the Transaction You're Looking For: Scroll through the list and tap on the transaction you want to track.
4. Check the Transaction Status: Once you tap on the transaction, the app will display detailed information about it, including the current status. The status can be anything from pending to successful.

This method is the most straightforward way to track UPI transactions and provides immediate updates on their status.

Method 2: Through Online Banking

If you prefer using your bank’s website or mobile app, you can also track your UPI transactions through these platforms. Here's how:

1. Log in to Your Bank's Online Portal: Use your login credentials to access your bank’s official website or mobile app.
2. Navigate to the Payment or Transaction Section: Look for sections such as “Payments,” “Transactions,” “Account Activity,” or “UPI Transactions” in the menu. The names of these sections might vary slightly depending on your bank’s platform.
3. Find the UPI Transaction: Within the transaction or payment section, search for the specific UPI transaction you want to check. You should be able to find a list of recent transactions that include UPI payments.
4. Review the Transaction Status: When you locate the transaction, click on it to view its details. You’ll be able to see the transaction status (e.g., Successful, Pending, Failed) and other relevant details such as the transaction amount, date, and reference number.

This method gives you a more detailed view of your transaction and is particularly useful if you want to see a full transaction history or need to track multiple transactions at once.

Method 3: Using SMS Alerts or Notifications

Many UPI apps and banks send SMS notifications after a transaction is made. These messages can also help you track your UPI transaction status. Here’s how you can use SMS alerts:

1. Look for SMS Confirmation After Making a Payment: After completing a UPI transaction, you should receive an SMS on your phone from your bank or UPI app. This SMS will typically confirm the transaction and provide important details such as the transaction amount, reference number, and status.
2. Check the Message for Status Information: The SMS will usually include the status of your transaction. You’ll see one of the following updates:
   • Successful
   • Pending
   • Failed
   • In Progress
3. Track Multiple Transactions: If you make several transactions, you will receive separate SMS messages for each one, helping you keep track of the status of each payment.

This method is particularly helpful if you’re on the go and want quick confirmation of your transaction without opening an app or logging into online banking.

Troubleshooting Common Transaction Issues

When dealing with common transaction issues, here are a few things to check and how to resolve them:

1. Transaction Status Not Updating:

   If you're having trouble seeing updates on your transaction status, first check if your internet connection is working properly. A slow or unstable connection can cause delays. Try refreshing the page or restarting the app to see if that helps. If the issue continues, it might be a problem with the bank or the UPI app itself, so it’s a good idea to reach out to your bank or the app provider for further assistance.

2. Delayed SMS Alerts:

   If you're not receiving SMS alerts for your transactions, make sure your mobile number is correctly linked to your UPI app. Sometimes, issues with SMS settings on your phone can also cause delays, so double-check those as well. If everything seems correct and you're still not getting alerts, the issue could be with your mobile network. In that case, contacting your mobile network provider for help is the next step.

3. Transaction Failures:

   If your transactions are failing, the first thing to check is whether you have enough money in your bank account to complete the transaction. Also, verify that the recipient's UPI ID or mobile number is entered correctly. Small mistakes in these details can cause the transaction to fail. If you've checked both and the issue still occurs, it’s best to reach out to your bank to figure out what’s going wrong.

4. App Glitches or Crashes:

   If your UPI app is glitching or crashing frequently, it could be due to an outdated version of the app. Try checking for updates and installing the latest version. If updating doesn’t solve the problem, consider clearing its cache and or reinstalling it from scratch. This can clear any bugs or issues that might be causing the app to malfunction.

Tips for Effective UPI Usage

Using UPI for payments is a fast and easy way to handle transactions, but it’s important to use it carefully to avoid mistakes or security risks. Here are some practical tips for better managing your UPI account:

1. Update Your App Regularly: It’s essential to keep your UPI app up to date. Updates often include security fixes and improvements that help keep your app running smoothly and protect your information from new threats.
2. Check Recipient Details Before Sending Money: Always double-check the recipient’s UPI ID or mobile number before making any transactions. Even a small mistake could send your payment to the wrong person.
3. Create a Strong UPI PIN: Choose a PIN that’s hard to guess and use different ones for different apps. A unique PIN adds a layer of security, helping protect your account from unauthorised access.
4. Activate Two-factor Authentication (2FA): If your UPI app offers two-factor authentication, make sure to turn it on. This adds an extra step to your login process and makes your transactions more secure.
5. Monitor Your Transaction History: Regularly reviewing your transaction history helps you stay on top of your spending and lets you spot any unusual or suspicious activity early.
6. Report Suspicious Activity Immediately: If you notice any unauthorised transactions or anything that seems off, don’t wait. Contact your bank or UPI service provider to report it and take action right away.
7. Keep Your Contact Details Current: Ensure that your mobile number and other contact information are up to date with your bank and UPI provider. This ensures you receive important alerts, like transaction confirmations or security notices.
8. Be Cautious with Personal Details: Never share your UPI PIN, OTPs, or other sensitive details with anyone, no matter who they claim to be. Banks and UPI services will never ask you for this information over the phone or through email.

By following these simple tips, you can use UPI confidently, knowing that your money and personal details are safer.

Frequently Asked Questions (FAQs)

1. How soon can I get a refund for a failed UPI payment?

   When a UPI payment fails, the amount is usually returned to your account within 1 to 7 working days. This process is automatic and doesn’t require additional action in most cases.

2. What should I do if I send money to the wrong UPI address?

   If you’ve transferred funds to an incorrect UPI address, notify your bank immediately with the details of the transaction. They can assist in starting a recovery process. For further help, you can also call the toll-free support line at 1800-120-1740.

3. Why do UPI payments fail?

   A failed UPI transaction means the money hasn’t left your account or reached the recipient. This could happen due to issues like server errors or connectivity problems.

4. What happens if money is deducted during a failed transaction?

   If your money gets debited but the transaction doesn’t go through, it’s usually refunded automatically. If the amount isn’t returned promptly, contact your bank with the transaction details for assistance.

5. Why is my UPI payment stuck as pending?

   Pending payments can occur due to reasons like poor internet connectivity, technical glitches, or delays on the bank’s end. These issues are generally resolved once the problem is addressed.