Do these 3 things before closing this tab:
1Clear out junk files and repair common Windows errors2Fix the driver behind crashes, sound loss and screen glitches3Repair Windows errors before they cause bigger problemsIf your bank account was debited but a shop, restaurant or online merchant cannot confirm the UPI payment, do not immediately pay again. First open the transaction in your UPI app, record its status and reference number, and use the transaction’s help option to report the merchant-confirmation problem. If the payment is a failed merchant transaction under the RBI framework, the outer auto-reversal limit is T+5 (the transaction date plus five calendar days), with ₹100 per day compensation for delay beyond that limit where the rules apply. A transfer to another person has a different T+1 limit.
Do these checks before taking further action
Open the exact transaction
Go to your UPI app’s transaction history and open the payment in question. Check whether the app shows pending, failed, successful or another status. Status can change after the first attempt, so refresh the transaction details once and note the time of the latest update.
As an Amazon Associate I earn from qualifying purchases.
Save the transaction reference or UTR, transaction date and time, amount, merchant or payee name, and the bank account used. A screenshot can help if the status or merchant name later changes. Keep any receipt, QR display, order number or point-of-sale slip that connects the payment to the purchase.
Do not make a second payment while the result is unclear
If the first transaction is pending or the status is unclear, ask the merchant to wait while you check it rather than scanning the QR code again. A second payment can create a duplicate debit even if the first transaction is eventually confirmed. If you must complete the purchase urgently, ask the merchant to record both references and agree how a duplicate will be handled; do not assume either payment will be reversed immediately.
#1 Best Overall
- [Ultra-Lightweight Ear Buds Designed for Small Ears] Each earbud weighs only 3.7g and features a compact, ergonomic in-ear design made especially for small ears. Secure, low-profile, and comfortable for workouts, all-day wear or overnight sleeping.The ultra-slim profile sits flush in your ear with no hard edges poking or rubbing, so you can even sleep on your side without discomfort.
- [Immersive Stereo Sound with TOZO OrigX Technology] TOZO OrigX tuning delivers clear vocals, balanced mids, and natural stereo sound for music, podcasts, and videos.
- [Long Battery Life for Daily Use] Get up to 7 hours of playtime on a single charge, with up to 32 hours total using the charging case—ideal for workdays, commuting, and extended listening sessions.
- [Bluetooth 5.3 & Stable Connection] Bluetooth 5.3 provides fast pairing, stable wireless performance, and reduced dropouts as you move around home or office.
- [Deep Bass with Clear Vocals] High-performance drivers produce punchy bass while keeping vocals clean and detailed for everyday listening.
Use the payer’s support channel
The customer who was debited should use the participating bank’s UPI app or contact the payer bank. NPCI’s customer guidance identifies the bank’s UPI app as a place to raise or check a grievance. The merchant generally cannot refund money directly from a transaction that never reached its account; it should check with its acquiring bank.
Choose the complaint reason that matches the transaction
Merchant confirmation missing: U022
In the transaction’s Help, Raise complaint or Report issue menu, select the reason corresponding to an account being debited but transaction confirmation not being received at the merchant location. NPCI’s July 2023 UPI Help Guidelines identify this person-to-merchant category as reason code U022. Your app may use shorter wording or a different menu path, but the facts should be the same: this was a merchant payment, your account was debited, and the merchant has no confirmation.
Submit the complaint against the original transaction, not a new support ticket without a reference. Write that the merchant did not receive confirmation, include the merchant name and amount, and retain the complaint number. The app may show a promised response date; save that as well.
Rank #2
- 【IP68 Waterproof Multifunctinal Smart Watch】Torjalph fitness activity tracker smart watch is IP68 waterproof technology ,you can wear it when swimming,handwashing,it's rain-proof which means that you perform multiple exercise modes outside without worrying about sweat or rain corroding your fitness smart watch,and this watch equipped with a 230 mAh large capacity battery magnetic charging ,and this sports activity tracker watch can be used 5-7 days If fully charged.
- 【Larger 1.83'' Full Screen Watch & Multi-dial Selection】1.83 inch full HD color touch screen smart watch for men / women provides excellent 240*284 resolution image quality ,This Bluetooth smart watch offers a better touch experience and remarkable immersion and ,more than 200 watch faces for you to choose from App"Da Fit ", you can change the dial style according to your mood to wear keeping the world on your wrist
- 【Accurate Activity Tracker Smart Watch 】sports watch activity tracker uses sweat and dust resistant breathable silicone strap, our Fitness Tracker Smart Watch for Android iOS Phones supports 12 sports modes,walking,running,bicycle,swimming,badminton,basketball,football,rope skipping. This bluetooth calls smart watch for men women is lightweight and stylish, bringing more convenient and relaxing sports experience while also providing more protection.
- 【Your 24 Hour Personal Daily Health Monitor】Fitness watch for women men full touch screen IP67 waterproof bluetooth smartwatch for Android iOS Phones with heart rate blood pressure monitor multifunction Andriod smart watch with steps counter sleep monitor sports fitness watch, monitoring blood oxygen saturation allows you to understand your physical condition in real time to track fitness progress ,to know your health status in time.
- 【More Functions Bluetooth Call Smart Watch】This fitness activity smart watch full screen for iPhone and Android phones includes a bunch of new features including:The bluetooth smart watch can hang up the phone, receive and display WhatsAPP /Text /Facebook /Twitter /Messenger reminder.Support sedentary reminder, alarm clock, stopwatch, timer,weather information,music control, remote camera control compatible with Android 5.0 and above or iOS 9.0 and above smartphones.
Failed merchant transaction with no return: U009
If the app explicitly says the payment failed and the debit has not been returned, look for the reason that the customer account was not credited back for a failed merchant transaction. NPCI’s guideline lists this as U009. Use U009 for that failed-and-not-refunded situation rather than U022, which describes the missing merchant confirmation category.
Pending or timeout
A pending or timeout transaction is not automatically the same as a final failure. NPCI notes that a pending result can reflect a delay at the beneficiary bank. Its Help guidance also lists a separate reason for a beneficiary account not being credited in a pending or timeout transaction. Select the pending or timeout option if that is what the transaction details show, and ask the payer bank to trace it.
Know which RBI deadline applies
RBI Circular RBI/2019-20/67, issued on September 20, 2019 and effective October 15, 2019, sets outer limits for specified failed domestic payment transactions when both the originating and beneficiary institutions are in India. In the circular, T means the calendar date on which the transaction took place. The circular calls these limits an outer boundary; participants are expected to resolve failures sooner where possible.
Rank #3
- [Low Noise High Fidelity] New bee guitar cord with 22AWG oxygen-free-copper center conductors provides enhanced signal transfer, the PVC insulation material and the high-density stranded copper double shield provide noise rejection for quiet operation
- [Ideal for Choice] New bee 1/4 straight and right angle metal connectors, ensures a secure connection in any instrument, pedal, or amp jack. L shape great fro on stage guitar stands
- [Wide Compatible] Suitable for mixer, power amplifier, microphone, effector, decoder, equalizer, electoronic organ, electric guitar, electric bass and other electronic equipments. Widely used in the installation of smart home, karaoke speaker, professional stage audio, etc
- [Easy Disassemble] Making incidental repairs quick and easy! Very nice, flexible cable
- [Dont Hesite to Order] 24 hours customer services and professional technology team are standing by
| Situation | Auto-reversal limit | Compensation for delay beyond the limit |
|---|---|---|
| UPI payment to a merchant: account debited, but transaction confirmation not received at the merchant location | Within T+5 calendar days | ₹100 per day, credited automatically where applicable |
| UPI funds transfer to a person: account debited, but the beneficiary account is not credited | By T+1 calendar day if the beneficiary cannot be credited | ₹100 per day, credited automatically where applicable |
For example, if a merchant payment occurs on April 10, T+5 ends on April 15 under this calendar-day method. The merchant-confirmation category therefore does not use the T+1 deadline that applies to an uncredited person-to-person transfer.
Windows Errors? Fix Them Before They Spread
Repair common Windows errors and clear accumulated junk for a smoother, more stable PC - no reinstall needed.Free scan · no reinstallOutdated Drivers Are Slowing You Down
One free scan finds every outdated or missing driver and matches the right update for your exact hardware.Free scan · exact hardware matchThe ₹100 figure is compensation for delay beyond the applicable failed-transaction limit, not the amount of your refund and not a guarantee that every disputed debit qualifies. RBI’s circular says compensation involving the customer’s account is to be effected automatically, without waiting for a separate claim, where the framework requires it. Banks may have later instructions or implementation details, so read the current status and response supplied by your bank.
Pending, failed and successful statuses need different handling
Pending or timeout with money debited
Keep the complaint open and monitor the original transaction. Do not close it merely because the merchant cannot see the payment. Ask the bank whether the transaction is waiting for a response from the beneficiary bank or merchant system. NPCI’s FAQ advises contacting bank customer support when a failed debit has not been refunded within one hour; that is advice to contact support, not the RBI’s outer reversal deadline for every merchant case.
Rank #4
- Digital Family Calendar: BSIMB digital calendar wall touch screen puts an end to your chaotic life. Designed for busy families, the digital calendar keeps you organised and in step with your family. Assign different colours and tasks to each family member to make family scheduling easier and more intuitive.
- Easy Setup and Auto-Sync: Plug in, connect to WLAN and auto-syn your electric calendar in minutes. Digital wall calendar compatible with Google calendar, iCloud calendar, Outlook calendar, Cozi calendar and Yahoo calendar. Add events directly on the device or through the ecalendar app. Electronic calendar stays current whether you're at work or traveling—no manual updates needed.
- All-In-One Home Assistant: Smart calendar builds habits and encourage independence with personalised chores. Display daily meal plan to reduce the daily ‘What's for dinner?’ stress. To-do lists keep track of everything you want. Turning chores into valuable achievements with stars and rewards, making life easier and more enjoyable.
- Manage Anytime Anywhere: BSIMB electronic calendar for family stay connected with the powerful ecalendar app. Access and manage your digital wall calendar anytime, anywhere with free features like stars & rewards, photo screensaver, chore charts, meals plans, to-do lists etc. Electronic planner paid features like Magic Import tailor advanced tools for users with special needs.
- Stay in Touch with Loved Ones: Share photos or videos from your phone to electronic wall calendar with app, instantly update your life moment, and keep in touch with your family, especially those who are far away; you can also surprise your smart calendar digital wall by sending him a wish card; it's also great for keeping tech-illiterate elders in touch with the youngsters.
Failed but debit still present
Use the failed-merchant complaint reason, attach the original reference and ask the payer bank to trace the reversal. A failed display does not prove that the debit will disappear instantly. The bank should tell you whether the reversal is pending, completed, or rejected and provide a complaint reference.
Successful in the app, but the merchant says “not received”
Show the merchant the transaction reference and ask it to check the exact amount, date, and acquiring-bank settlement record rather than relying on a notification alone. If the merchant’s system actually received confirmation, the issue may be a delayed receipt, an order-matching error, or a dispute about fulfilment rather than a failed UPI transaction. Use the app’s option for a successful payment or merchant dispute when available. NPCI lists goods or services not provided as a separate complaint reason.
Goods or services were not provided
A confirmed payment does not automatically become a failed transaction because the seller later cancels an order or does not deliver. First request the merchant’s refund under its published terms, then use the bank or UPI app’s merchant-dispute route if the seller does not resolve it. Keep proof of the order, cancellation and communications.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How to escalate when the first complaint does not solve it
- Follow the in-app complaint. Check its status and response date. Reply through the same case if the merchant confirmation is still missing, and do not open duplicate cases unless support instructs you to.
- Contact the payer bank. Use the customer-care number or formal grievance channel shown by the bank. Give the transaction reference, date, amount, merchant, app status, U022 or U009 selection (if used), and the app complaint number. Ask for a written response explaining whether the transaction is pending, failed, reversed or credited.
- Preserve every reference. Keep screenshots, emails, call dates, complaint IDs and the name of the bank channel used. These records establish when you reported the failure and help calculate any delay beyond the applicable TAT.
- Ask the merchant to involve its acquiring bank. The merchant’s acquiring institution can trace whether a confirmation reached its terminal or settlement account. This is the merchant’s route; the customer should continue with the payer bank as well.
- Use NPCI’s complaint-registration route if necessary. NPCI’s portal facilitates registration and routes the case to the relevant member bank or institution. The member institution, not NPCI, is responsible for investigating and resolving the complaint or issuing a reversal.
- Escalate to RBI’s Integrated Ombudsman Scheme when eligible. RBI identifies the Ombudsman route for failed transactions where prescribed redress is not provided. RBI’s Complaint Management System guidance says to approach the regulated entity first and retain its complaint number; its general information refers to escalation when you are dissatisfied with the response or receive no reply within one month. Check the current scheme’s eligibility and filing conditions before submitting.
Calculate the deadline correctly
Write down the transaction date as T, then count calendar days rather than banking days. For a merchant-confirmation failure, follow up as the T+5 outer limit approaches. If the bank confirms that the transaction belongs to a different category, use that category’s deadline instead. A Sunday, public holiday or weekend does not change the meaning of T in the cited RBI table.
If the bank says the payment was successful and settled to the merchant, ask for the settlement status and use the merchant-dispute process; do not insist on a failed-transaction reversal solely because the shop’s cashier cannot see a notification. Conversely, if the merchant has no confirmation and the bank classifies the payment as a failed P2M transaction, ask why the T+5 reversal has not occurred and whether compensation is due.
Common mistakes that delay recovery
- Paying again before checking whether the first transaction is pending.
- Reporting a person-to-person transfer when the payment was made to a merchant QR, which can send the case to the wrong TAT.
- Opening a new complaint without linking the original UTR and losing the first complaint number.
- Treating NPCI’s one-hour customer-support advice as a promise that every debit must be reversed within one hour.
- Assuming a “successful” status is automatically a failed transaction, even when the merchant’s system received confirmation.
- Sharing an OTP, UPI PIN, card PIN or remote-access code with someone claiming to process a refund. Banks and NPCI do not need your UPI PIN to credit a reversal.
What a complete complaint should contain
Use a short, factual description: “UPI merchant payment of ₹[amount] on [date] to [merchant] debited my account. The merchant did not receive transaction confirmation. UTR/reference: [number]. App status: [pending/failed/successful]. Please trace the P2M transaction, confirm the applicable RBI category and TAT, and advise the reversal or settlement status.” Put variable details only in your actual complaint; never send your UPI PIN or one-time password.
Recommended Free Tools
For a U022 complaint, ask the bank to confirm that it has recorded the merchant-confirmation failure. For U009, ask it to confirm when the failed debit will be returned. If the bank says the transaction was credited to the merchant, request the date and reference of that credit and take the evidence to the merchant’s acquiring bank or the appropriate dispute channel.
When the case is finally closed
Check your bank statement, not only the app notification, for the reversal or settlement. Match the credited amount to the original debit and verify that any applicable delay compensation appears separately or is included as the bank explains. Keep the complaint and transaction records until the merchant confirms that its account or order ledger is correct.
The Bottom Line
Check the original UPI status, avoid a duplicate payment while it is unclear, report the matching merchant complaint reason, and keep every reference. For the specified failed merchant-confirmation category, RBI’s outer limit is T+5 with ₹100 per day compensation for qualifying delay; escalate from the payer bank to NPCI routing and, when eligible, the RBI Ombudsman process.
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
Free tools Windows power users keep installed
One-click scans. No signup required.
