UPI Transaction: In today’s time, many people make payments through UPI. Such is the era of digital that now people do not have cash at all. Whether to take ration, book movie tickets, do shopping or go somewhere by auto, people are now resorting to digital only. Paying with UPI is also easy, and it also eliminates the hassle of keeping cash. UPI is quite secure, but many times wrong UPI transactions happen due to one’s own mistake. Due to the wrong transaction, people also get very upset.
The mind becomes very sad. On the other hand, if the payment is big, then life comes to an end. In such a situation, here we are going to tell you that if you make a wrong UPI payment, and the money goes to someone else’s account, then how can you get that money back.
Will get money back like this
According to the Reserve Bank of India (RBI), by taking the right steps, money sent to the wrong account by mistake can be recovered. For this, RBI says that in case of unintentional transactions through digital services, the victim should first inform the payment app or system from which the transaction was done. You can contact the customer care of UPI apps Paytm, Google Pay and PhonePe if money goes to the wrong account. You can request for refund by calling them.
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Capture screenshot of transaction
Along with this, keep in mind that whenever you make a wrong payment, take a screenshot of it. Immediately inform your bank about this transaction. Give the PPBL number to your bank. You will see the PPBL number in the message received after the transaction. Thereafter, you may meet the Branch Manager at the earliest. If the wrong payment has been made due to wrong name, then you will have to provide proof to the bank that the name of the account holder is the same. While complaining to the bank, mail the information as well.
You can complain to the Ombudsman of RBI
If UPI payment apps and banks are unable to help you, then you can contact the Ombudsman of Reserve Bank of India for digital transactions. Due to RBI rules, the ombudsman listens to such complaints of senior official customers. For this, you can also file a complaint on bankingombudsman.rbi.org.
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