Short answer: UPI complaint wahi karta hai jiska paisa kata hai, yaani customer. Woh apne UPI app mein us transaction ko chun kar complaint daalta hai. Dukan ko payment nahi mila to RBI ke niyam ke hisaab se paisa T + 5 din mein customer ko apne aap wapas aana chahiye. Dukandar apne bank ko UTR number ke saath call kar sakta hai. Jab tak credit aapke apne bank app mein na dikhe, saamaan mat dijiye.
Pehle samjhiye: aapka case kaun sa hai
UPI mein do alag situation hoti hain, aur dono ke din alag hain. RBI ke 20 Sep 2019 ke circular mein yeh dono likhe hain.
| Situation | Kya hua | Paisa kab tak wapas | Der hone par |
|---|---|---|---|
| Customer ne dukan ko pay kiya (merchant payment) | Customer ka account kata, dukan ko confirmation nahi mila | T + 5 din mein auto reversal | Rs 100 har din, T + 5 ke baad |
| Aapne supplier ya kisi ko paisa bheja (fund transfer) | Aapka account kata, saamne wale ke account mein credit nahi hua | Beneficiary bank T + 1 din tak wapas kare | Rs 100 har din, T + 1 ke baad |
Yahan T ka matlab hai payment wala din. Yeh Rs 100 us account holder ko milta hai jiska paisa kata tha.
Customer ke liye: complaint kahan aur kaise
Customer pehle usi UPI app mein complaint kare jisse payment kiya tha.
- UPI app kholiye aur transaction history mein woh payment chuniye.
- Us transaction par complaint ya help ka option chuniye aur problem likhiye.
- App mein hal na ho to apne bank ko likhit complaint kijiye. Wahan bhi hal na ho to RBI Ombudsman ke paas jaaiye.
RBI ki 12 Nov 2021 ki press release ke mutabik Banking Ombudsman aur Digital Transactions Ombudsman, dono scheme ab RBI Integrated Ombudsman Scheme, 2021 ke andar aati hain.
Dukandar ke liye: aap kya kar sakte hain
Complaint customer karega, par aap chup baithe nahi rehte.
- UTR number maangiye. Har UPI payment ka ek reference number hota hai, jise UTR ya RRN bhi kehte hain. Customer se UTR, date, time aur amount lijiye.
- Apna bank app check kijiye. Customer ka screenshot proof nahi hai. Sirf aapke account mein credit hi proof hai.
- Apne bank ya QR dene wali company ko call kijiye. UTR, date, time aur amount bataiye. Aap poochh sakte hain ki koi payment aapke account ke liye atka hai ya nahi.
- Order ready rakhiye, par deliver mat kijiye. Paisa wapas customer ke paas jaayega ya aapke account mein aayega, yeh bank tay karega.
- Note bana lijiye. Order number, UTR, date aur bank se baat ka time likh lijiye. Agar complaint aage badhe to yeh kaam aata hai.
Agar UTR galat lage ya screenshot par shaq ho, to pehle padhiye fake UPI payment screenshot kaise pehchane.
Customer ko kya bolein
Seedha aur politely bolein. Kisi par ilzaam nahi lagana hai.
- “Mere bank app mein abhi credit nahi dikh raha hai.”
- “Please apne UPI app se UTR number bhej dijiye, main dobara check karta hoon.”
- “Agar aapka paisa kat gaya hai to apne UPI app mein us payment par complaint daal dijiye. Aapka order main rakh raha hoon.”
RBI tak kab jaana hai
RBI ka 2019 ka circular kehta hai ki jinhe tay din (TAT) mein hal nahi mila, woh RBI Integrated Ombudsman Scheme, 2021 mein complaint kar sakte hain. RBI ki 12 Nov 2021 ki press release ke mutabik yeh scheme tab madad karti hai jab bank ne complaint ka hal customer ki santushti se nahi kiya, ya 30 din mein jawab nahi diya. Is complaint ka koi kharcha nahi hai.
Online complaint RBI ke portal cms.rbi.org.in par hoti hai. Pehle apne bank mein likhit complaint zaroor kijiye, kyunki scheme tab lagti hai jab bank ne complaint ka hal customer ki santushti se nahi kiya ya 30 din mein jawab nahi diya.
Yeh post legal advice nahi hai. Kisi khaas case ke liye apne bank se baat kijiye.
Festive rush mein in baaton ka dhyan
- Packing se pehle payment apne app mein confirm kijiye. Kisi “purane customer” ke liye bhi nahi chhodna.
- Din ke end mein saare UPI credit apni order list se milaiye. Ek simple list ke liye padhiye WhatsApp orders kaise manage karein.
- Dukan mein ek hi insaan payment confirm kare, taaki do log “haan, aa gaya” na bol dein.
Poori English guide chahiye to padhiye UPI payment not received by merchant. UPI fee ke baare mein jaanna hai to UPI MDR kya hai dekhiye, aur dukan par online payment lene ke liye dukan me online payment kaise kare.
FAQ
UPI complaint kaise kare?
Jis UPI app se payment kiya tha, usme transaction history kholiye, woh payment chuniye aur complaint daaliye. App mein hal na ho to apne bank ko likhit complaint kijiye, phir RBI Ombudsman.
Paisa kat gaya par dukan ko nahi mila, kitne din mein wapas aayega?
RBI ke 20 Sep 2019 ke circular ke hisaab se merchant payment mein confirmation na aaye to auto reversal T + 5 din mein hona chahiye. Uske baad bank har din Rs 100 dega.
Kya dukandar complaint kar sakta hai?
UPI app mein complaint woh karta hai jisne payment kiya. Dukandar apne bank ya QR company ko UTR, date, time aur amount ke saath call karke check karwa sakta hai.
RBI mein UPI complaint kahan karein?
Pehle apne bank mein likhit complaint kijiye. Bank 30 din mein jawab na de ya hal aapki santushti se na ho, to RBI ke portal cms.rbi.org.in par complaint kar sakte hain.
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Sources (accessed 28 Oct 2026): RBI circular DPSS.CO.PD No.629/02.01.014/2019-20, 20 Sep 2019, rbi.org.in; RBI press release on the Integrated Ombudsman Scheme, 12 Nov 2021, rbi.org.in.
About the author: Pritam Nandi is the founder of Prilix Labs, the company behind Indi Andaz. He builds Indi Andaz from Ashoknagar Kalyangarh, West Bengal, to help local Indian shops sell online and bill at the counter from one place.
Indi Andaz by Prilix Labs: an online store with UPI, card and COD checkout, plus GST billing at the counter.
Prilix Labs, Ashoknagar Kalyangarh, North 24 Parganas, West Bengal 743222
Email: indiandazsocial@gmail.com
Phone: 8653001257
© 2026 Prilix Labs
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