New Delhi
The use of cash has reduced since the arrival of UPI service. However, a disadvantage of digitally payment is that if ever a wrong account is made by mistake, then you have to make papad to get back. If you think so too, you are wrong. Actually, you do not have to worry when you pay UPI on wrong account. If this happens, there is an easy process to get the money back, which you can easily get back your money as soon as possible by following. Let us know about this entire process today.
First talk to that account holder
If you have a UPI payment on any wrong account, first of all you should first talk to the owner of that account. Often people understand that it is common to make mistakes by mistake. If you get the money back directly from the same person, then you will not have to go to the rest of the process and you will save a lot of time. However, in the midst of increasing cases of digital fraud, if you contact the person who has been mistakenly paid in the account, do not answer you properly. In such a situation, you have to follow the process mentioned further.
Contact the concerned bank immediately
You should contact your bank immediately after making UPI payment in wrong account. You can contact the customer care or branch. The bank will take the payment details from you and start an investigation process. In this process, the bank contacts the bank in which the money has gone. If the receiver would not have spent the money, the bank can reverse it with your help. Keep in mind that it is necessary to contact the bank within 48 hours of wrong payment. In case of non -contact with the bank, a complaint can also be lodged by calling 18001201740.
Complain with customer support of UPI app
Whatever UPI app such as Google Pay, PhonePe, Paytm, BHIM etc., you have to go to your own “Help” or “Support” section and talk to the customer care. There you can complain about your wrong payment. After this, the team of the app meets your bank and receiver bank and examines the case. If the mistake is proved and the receiver agreed to give back the money, then the refund can be found. This process may take a few days, but in many cases help soon.
Enter a complaint to NPCI or RBI
If a solution is not found from the bank or UPI app, you can complain on the official complaint portal of NPCI i.e. National Payments Corporation of India or RBI. NPCI’s website is https://www.npci.org.in and RBI’s website https://cms.rbi.org.in. Fill the complaint form there and upload the necessary documents. NPCI or RBI can investigate your case and direct the bank to take appropriate steps. It can be a slightly long process, but is effective.
