Explore top UPI payment errors, identify causes and actionable next steps.
Below are the top UPI payment error codes, along with their failure message and recommended resolution steps.
| ppc_ParentTxnResponseCode | ppc_ParentTxnResponseMessage | Error Description | Next Steps | Error Step | Error Source |
|---|---|---|---|---|---|
| -972 | DEVICE FINGERPRINT MISMATCH | Consumer authentication due to device fingerprint mismatch | Ask the customer to retry payment with the correct biometric | Authentication | Issuer |
| -380 | Transaction declined by Acquirer due to unknown reason | Sorry! Transaction could not be processed. Please try later | Request the customer to try again after some time | Validation | Acquirer |
| -378 | Incorrect PIN entered by customer | Incorrect MPIN entered by the customer to process transaction | Ask the customer to retry payment with Correct MPIN | Validation | NPCI |
| -375 | Txn Declined by Issuer | Invalid response received from payer vpa api | Ask the customer to verify and re-enter the correct vpa. If the issue persists, they should contact their issuer for further assistance. | Authentication | Issuer |
| -315 | Invalid Request Parameters | Invalid API Request Parameters | Invalid API Request parameter, try with correct parameter values. Refer to the API contract for more details | Validation | Issuer |
| -312 | Invalid Merchant or merchant not permitted related operation | Merchant is not allowed to perform the operation | Ask the customer to retry payment with a different beneficiary account | Validation | Issuer |
| -267 | Needed Request Parameters missing | Missing API request parameter | API Request parameter missing, try with correct parameter values. Refer to the API contract for more details | Validation | Issuer |
| -233 | Issuer not supported | Issuer is not supported as per NPCI | Ask the customer to retry with a payment method registered with another issuer | Validation | NPCI |
| -176 | Amount exceeds allowed limit | The Transaction could not be processed as limit exceeds the allowed limit for customer/payment instrument | Customer to increase the transaction limit on the payment instrument or try with another one | Validation | Issuer |
| -140 | Relevant User Account not active/valid | Invalid account details | Ask the customer to verify and re-enter the correct account details. If the issue persists, they should contact their issuer for further assistance. | Validation | Issuer |
| -137 | Original Amount Incorrect | The amount entered is invalid | Verify and re-enter the correct amount, or contact Pinelabs for assistance. | Validation | Issuer |
| -94 | Duplicate Transaction | This is a duplicate transaction | Advise the customer to wait for the original payment status and retry in case of failure | Validation | Issuer |
| -88 | Relevant User Account not active/valid | User is not allowed to perform the operation | Ask the customer to verify and re-enter the correct account number. If the issue persists, they should contact their issuer for further assistance. | Validation | Issuer |
| -80 | Payment Instrument is restricted to perform the relevant operation | Payment Instrument is restricted to perform the relevant operation | Ask the customer to retry payment with a different account ot contact their bank for more information | Validation | Issuer |
| -71 | Transaction Timed out | Transaction has timed out due to time exceed/ session timout | Transaction timed out, please retry again and complete payment in the stipulated time. | Validation | PG |
| -17 | Transaction in pending state. Please check after some time | Your Transaction is being processed. Please try again after sometime | Advise the customer to wait for the transaction to process or try again after sometime. | Processing | PG |
| -6 | Insufficient Funds | Transaction could not be processed due to insufficient funds in the account | Ask the customer to retry with a payment instrument with sufficient funds | Validation | Issuer |
| 1,046 | Internal Technical Issue related to certificate, encryption or signing | Transaction failed due to technical issue | This is due to internal technical error | Authorisation | PG |
| 1999 | VPA validation failed | Payer VPA is incorrect (NPCI) | This VPA is not active/discontinued. Please recheck and try again. | Validation | NPCI |
Note:
In the above table , ppc_ParentTxnResponseCode and ppc_ParentTxnResponseMessage apply to Inquiry responses.
Similarly, the same response codes and messages are presented as txn_response_code and txn_response_msg in Webhook and Redirect responses.