Sometimes, by mistake, people send money to the wrong UPI address. This can cause a lot of stress, but don’t worry! If you act quickly, there’s a good chance you can get your money back. Here’s what to do if you accidentally send money to the wrong person in Wrong UPI.
Steps to Get Your Money Back
1. Act Fast
As soon as you notice that you sent money to the wrong UPI address, take action. The faster you do this, the better your chances of getting your money back. Contact your bank or the app you used (like PhonePe, Google Pay, or Paytm) right away. They can help start the process to fix the mistake.
2. Contact the Person You Sent Money To
If you know the person who received your money, try talking to them politely. Ask them to send the money back to you. Give them details about the transaction so they can understand what happened.
3. Ask UPI App Support for Help
If you don’t know the person or they don’t respond, contact the customer support team of the app you used. Let them know you made a mistake and give them all the details, like the transaction ID, time, and amount. They may help you get your money back.
4. Complain to NPCI
If the app’s support team isn’t able to help, you can file a complaint with NPCI (National Payments Corporation of India). NPCI manages UPI transactions in India, and they have a way to handle these issues. You can visit their website or call their support number to report the problem.
UPI Dispute Redressal Mechanism: https://www.npci.org.in/what-we-do/upi/dispute-redressal-mechanism
5. Talk to the Banking Ombudsman
If you still don’t get help from your bank or UPI app, you can ask the Banking Ombudsman for assistance. They can help solve the problem between you and the bank or the UPI app.
6. Report to the Police
If you’ve lost a lot of money and feel like it could be fraud, you should report it to the police. You will need to share all the details of the transaction with them, and they can start an investigation to help recover your money.
7. Consider Legal Action
If none of the above steps work and the amount of money is large, you may want to seek legal help. A lawyer can guide you through what to do next and help you get your money back.
How to Avoid Mistakes in the Future
Here are some tips to avoid sending money to the wrong UPI address again:
- Always check the person’s name, UPI address, and details before sending money.
- Save the UPI address of people you send money to often.
- If you’re sending money to someone new, double-check the details by asking them first.
- Some UPI apps have a feature that lets you confirm the details before sending. Use it!
Final Thoughts
If you send money to the wrong UPI address, don’t panic! Take quick action and follow the steps mentioned above. You can often get your money back with a little patience, especially if you act within 24 to 48 hours.
Always keep records of all the steps you take so that it’s easier to track your progress and communicate with the right people.
