05 January, 2024
Due to the rapid advancement of Unified Payment Interface (UPI), developed by the National Payments Corporation of India (NPCI), digital payments have become the norm. Today, you can pay merchants and peers with just a few clicks thanks to UPI. You do not need their bank or account details, nor do you have to wait before initiating a transaction. With just the beneficiary’s mobile number, UPI ID, or QR code, you can initiate instant payments. Indeed, you can use UPI-enabled apps like HDFC Bank’s PayZapp to get through the process conveniently. So, if you are wondering how to track your UPI payments, this guide on UPI transaction ID tracking is exactly what you need.
How to Check Payment Status by Transaction ID?
You can use transaction ID tracking to check the status of your UPI payment on mobile banking and 4onlinepayment apps. The transaction ID or UPI reference number is displayed on your phone’s screen or sent to you through SMS, once a transaction is processed. The following are the steps you need to follow to check your payment status using your transaction ID:
Log into your mobile banking, third-party UPI-enabled app, or online banking account.
Look for the section titled ‘Transactions’ or ‘Payments’.
Select the transaction whose status you would like to check.
Provide the UPI reference number or transaction ID (or refer to it from your payments section) to find the UPI transaction quickly.
Once you select the UPI transaction, you can view its status along with other details on the screen. The status may be labelled ‘successful’, ‘failed’, ‘pending’ or ‘in process’, based on which you can take the necessary next steps.
Transaction ID Check and PayZapp
If you are confused by the transaction ID check process, the PayZapp app simplifies it for you with its simple and convenient ‘Passbook’ section that maintains your transactions’ history. You can simply filter your UPI payments based on the amount and payment date and find your transactions quickly. Thanks to PayZapp, you need not bother with remembering or finding the transaction ID/ UPI reference number for tracking. Once you click on your UPI transaction, the details of your payment including the transaction ID, merchant ID, status, etc., are displayed on the app’s screen.
Actions for Failed or In-Process Transactions
Post the transaction ID check, if you notice that your payment has failed or is in process, you can follow these actions:
Don’t repeat the paymeDownload PayZapp today
If your payment is in process, be patient and wait for a few minutes. Sometimes, payments can take a little time to go through. During this time, avoid trying to repeat the payment in haste. It will create an overlap and cause further delays. When you wait for the transaction to go through or the status to update, you can take an action based on the confirmed status. If the transaction has failed, you can repeat the payment, and if it is processed and not credited to the recipient, you will receive a refund.
Check the detailsr
You can check the error that caused your transaction to not go through to rectify your mistake when you try again. You can get clarity on the mistake that might have occurred by double-checking the transaction details. Check if you had entered the recipient’s UPI ID or bank details correctly. If you had mistyped, you could correct the mistake when you try again. Also, check your network connection before trying to pay again.
Contact customer service
Despite waiting for a while, if the transaction status continues to show ‘Pending’ or ‘Failed’ but the amount is debited, you can contact the customer service helpline of the UPI service provider. Their representative can provide guidance and help resolve the issue. You can reach out to the customer service helpline through the number/e-mail ID listed on the app and submit your complaint by raising a ticket. This is an effective way to get a quick response.
Keep records
It always helps to keep a record of the UPI reference number or the transaction ID for tracking. This helps while contacting customer care and explaining the problem. The customer care agent can retrieve the details of your transaction through the reference number or tracking ID and resolve your issue at the earliest. Keeping records of the UPI reference number is easy, as most UPI-enabled apps like PayZapp let you access transaction history conveniently.
Make UPI Payments Conveniently with PayZapp
Now that you know how to check payment status by transaction ID and the simplified alternative of checking the ‘transaction history’ on PayZapp, you are better equipped to make UPI payments and resolve any issues you might face. Besides the convenient transaction status checking, PayZapp also processes your UPI payments swiftly, saving your time and effort.
Click here for UPI payment online through PayZapp on your IOS phone.
Click here for UPI payment online through PayZapp on your Android phone.
*Disclaimer: Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circ*mstances.
FAQs
The following are the steps you need to follow to check your payment status using your transaction ID: Log into your mobile banking, third-party UPI-enabled app, or online banking account. Look for the section titled 'Transactions' or 'Payments'. Select the transaction whose status you would like to check.
How do I track my UPI transaction status? ›
Open your UPI App: Open the UPI App you use for transactions. Transaction History: Locate the “Transaction History” or “Payment History” section within your app. Search by ID: Look for a search bar or filter option within the transaction history.
Can UPI transaction ID be tracked? ›
Open your UPI-supported banking app and navigate to the 'TRANSACTION HISTORY' section. Click on the relevant transaction with the UPI reference number to view its details. The transaction status will be displayed, indicating whether it is pending, successful, or failed.
Can I check transaction status with transaction ID? ›
Yes, you can find transaction details using the transaction ID. Many UPI apps let you search for details by entering this unique ID given to each transaction.
Is UPI payment traceable? ›
Using the reference number, you can instantly track the details of a transaction. It helps resolve errors and disputes. UPI transaction reference number tracking allows for discovering transaction details without requiring you to reveal your bank account or debit card details.
How to check UPI ID details? ›
Find your UPI ID on Google Pay
- Open Google Pay .
- At the top right, tap your photo.
- Tap Bank account.
- Tap the bank account whose UPI ID you want to view.
- Select Manage UPI IDs.
- Under your bank account details on the top of the page, you'll find your UPI ID.
Maybe a police/ cyber crime complaint. You yourself can't find any further details from UPI id. Even if you found his bank a/c details then also bank won't give you his address or mobile details to you.
Can we track someone with an UPI ID? ›
In contrast, a UPI ID is a virtual payment address that every user needs to generate to access UPI services. Using this ID, banks can track a user's account easily. Remember, these IDs vary across banks. So, if you have a bank account in HDFC Bank, then your UPI ID will be XXXX@hdfcbank.
Can a transaction ID be traced? ›
It is possible, but very improbable. The only way for someone to track a T-ID is if they have the exact identification number or access to the system that processed the transaction. This makes payment IDs pretty much untraceable for fraudsters.
Can someone misuse my UPI transaction ID? ›
Yes, UPI (Unified Payments Interface) ID can be hacked through phishing or malware attacks if the user falls for these scams. Additionally, if the user shares their UPI credentials or device with others, their UPI ID can be compromised. It is important to keep UPI credentials secure and not share them with anyone.
Contact the bank. If you are the one waiting to receive a payment, you should contact your own bank with the ACH trace number. You may have to contact the payer for these details. If the payee is the one waiting for the transaction to clear, they should contact their bank.
How to check transaction status using utr number? ›
How to Check RTGS Transaction Status by UTR Number?
- STEP 1: Log in to your internet banking account. ...
- STEP 2: Locate the transaction history or account statement section. ...
- STEP 3: Search for the RTGS transaction. ...
- STEP 4: View transaction details. ...
- STEP 5: Check the UTR number. ...
- STEP 6: Check the transaction status.
Always verify the transaction ID through your bank or UPI app to identify fake UPI payments. Check the timestamp for accuracy and ensure that the payment amount matches your records. Look for sender details and cross-check them with known information.
Can UPI id track transactions? ›
One is the UPI Reference ID, your bank account's identification. The UPI Reference Number is the second, which keeps track of transactions between the two bank accounts.
How do I check my UPI transaction status? ›
1. Using your UPI app
- Launch the app on your smartphone.
- This is usually found under the 'Transactions', 'History', or 'Passbook' sections.
- Click on the specific transaction you want to check.
- The app will display the status as 'Success', 'Pending', or 'Failed'.
Yes, you can get a refund for an incorrect UPI transaction by filing a complaint through the PSP or TPAP app.
How long does UPI transaction take? ›
UPI transactions are typically completed almost instantly. The process involves real-time fund transfers between bank accounts, and the transaction confirmation usually occurs within seconds of initiating the transfer.
How do I track a wrong UPI transaction? ›
Through NPCI portal
- Visit the official NPCI website.
- Select 'UPI' under the 'WHAT WE DO' tab.
- Choose 'DISPUTE REDRESSAL MECHANISM'
- Fill in the transaction details.
- State the issue as 'INCORRECTLY TRANSFERRED TO WRONG UPI ADDRESS'
- Attach valid proof of the transaction, such as your bank statement showing the deduction.
Method 2: Using Mobile Banking Apps
- Open Your Mobile Banking App. Launch the mobile app provided by your bank.
- Access Transaction History. Navigate to the transaction history or NEFT section within the app.
- Input the Reference Number. ...
- Check the Transaction Status:
To track a payment using the reference number, you can follow these steps:
- Access your payment platform or banking app.
- Navigate to the transaction history or payment details section.
- Look for the option to search or filter transactions.
- Enter the payment reference number in the designated field.
