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UPI Error Troubleshooting

Select your error for quick fixes:

Error	Causes	Solutions
Exceeded Bank Limit / Cannot Pay More Than ₹2000	Aggregated daily cap (₹1L), per-txn limit (e.g., ₹2K for RuPay cards or P2M), KYC pending, first-txn flag	Switch to P2P mode (mobile number helps), switch apps/banks, wait 24h, re-verify KYC, test ₹1 self-txn, check if using RuPay card (limited to ₹2K/24h for small merchants)
Insufficient Funds	Low balance (incl. holds)	Check bank app balance; add funds via NEFT
Incorrect PIN	Typos in entry	Double-check; reset PIN in bank app
Technical Glitch/Server Down	Bank/NPCI outage	Check downdetector.in; retry in 10-30 mins; alt app
Poor Network	Weak signal	Switch WiFi/4G; disable VPN
Transaction Timeout	Slow PSP response	Increase app timeout; use QR over deep link
Invalid UPI ID / Mobile Number	Unlinked payee or wrong format	Confirm mobile number is UPI-linked; try adding @upi if needed; contact payee for alt
Security Block	Unusual device	Clear cache; re-login; contact bank
Special Char Txn ID	Invalid chars (2025 rule)	Update app; avoid beta versions
Mandate/Pending Auth	Unapproved recurring	Approve in SMS/bank app

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