To use the National Payments Corporation of India’s (NPCI’s) Unified Payment Interface (UPI), you need to have a bank account with a UPI-enabled bank, an Android smartphone to download the UPI-ready app and a mobile number that is registered with your bank. However, there is a possibility that even after all this, you may not be able to transact due to glitches in the app. Here is a look at some of the glitches and how to handle them:
Mapping of account number: When you download the UPI-enabled app from your registered mobile number, and then provide your name, the UPI app automatically populates your account number and the IFSC code. There have been instances where a closed account, or even the wrong account number, has been linked. This happens because banks usually map the registered mobile number to the most active account. A wrong account number gets linked when your current mobile number has previously been with an account holder who hasn’t updated her mobile details. To rectify this, you have to call the bank and ask the bank to make the necessary changes.
Debit cards without expiry date: If you have a debit card without an expiry date, then you will not be able to make payments. For instance, Maestro debit cards don’t have an expiry date. Without this, you can’t create an mPIN, a must for making payments. You can, however, create a virtual ID and collect money from others. Banks that have these cards, are in talks with NPCI to resolve this issue. If it doesn’t work out, they are likely to issue new cards.
Technology-related glitches: As UPI is technology driven, there is a possibility that some errors may occur during transactions. For instance, there have been delays processing payment, and at times transactions have failed on the first attempt. This could be due to bad network connectivity. You can’t do much about it. These errors are bound to happen, especially because it is a new product in the market.