Digital payment through UPI has made money transactions very easy and fast. Money is transferred within a few seconds. But this speed sometimes becomes overwhelming. Choosing the wrong UPI ID, sending money to the wrong number or adding an extra zero while entering the amount are common mistakes.

If the amount is small then people ignore it, but when a large amount is lost by mistake then the problem increases. UPI transactions are not automatically reversed, but if the right steps are taken at the right time, there is a chance of getting the money back.

What to do first after a wrong transaction

As soon as you realize that the money has gone to the wrong account, file a complaint without delay. The sooner the complaint is made, the greater the chances that the money will be protected.

You go to your UPI app, select that transaction and lodge a complaint through “Help” or “Report Issue” option. It is believed that a complaint made within the first three hours is most effective.

Ask for the receiver’s account to be frozen

If the person receiving the money refuses to return the amount, you can ask for his bank account to be temporarily frozen. When the account is frozen, it is not possible for that person to withdraw or transfer money.

This helps the bank to investigate and get the amount returned if found to be genuine.

Take help from 1930 cyber crime helpline

National Cyber ​​Crime Helpline Number for matters to digital transactions 1930 A call can be made to. During the call, you will have to provide information to transaction ID, date, amount, bank and UPI app.

If the information is correct, the concerned account can be frozen. Apart from this, you can also go to your bank branch or contact the nodal officer of the receiver bank.

Register complaint on NPCI portal

If resolution is not found at the app or bank level, a case can be filed on the official complaint portal of NPCI. Here complaint is made through transaction reference number.

After registering the complaint, you get a unique number, through which you can track the status of the case.

How to avoid such mistake in future

Always try to make payment by scanning QR code. Before sending money, double check the name and amount visible on the screen. A hasty click can cause major damage.

A little caution can save you from both mental stress and financial loss.