An SBI UPI transaction failed or pending message can appear when a payment has not reached its final status, even though the customer may have entered the UPI PIN and the bank account may have been debited.
SBI customers can check the latest status through Transaction History in YONO SBI, BHIM SBI Pay or the applicable SBI UPI application. If a technical transaction fails after the amount is debited, SBI provides an automatic reversal process and also allows customers to raise a dispute when the amount is not returned within the applicable timeline.
The correct action depends on whether the transaction shows Pending, Success, Failed, Reject or Expired and whether the payment was a person-to-person transfer, merchant payment or an unauthorised transaction.
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| Check the SBI UPI transaction status, wait for the applicable reversal timeline and raise a complaint when a failed or pending payment remains unresolved. |
Table of Contents
- SBI UPI Failed or Pending: Quick Information
- SBI UPI Transaction Status Explained
- What Does UPI Pending Mean?
- What Does UPI Failed Mean?
- Transaction Shows Success but Money Not Received
- Reject and Expired Status Explained
- Account Debited but Beneficiary Not Credited
- SBI UPI Refund or Reversal Time
- What Does T+1 Mean?
- Merchant Payment Failed but Account Debited
- SBI UPI Failed Transaction Compensation
- How to Check UPI Transaction Status in YONO
- How to Raise a UPI Complaint in YONO SBI
- Raise Dispute in BHIM SBI Pay
- Lodge an SBI UPI Complaint Online
- SBI Contact Centre Complaint
- UPI Transaction ID, UTR and Reference Number
- Should You Retry a Pending Payment?
- Money Sent to Wrong UPI ID or Person
- Can an SBI UPI Payment Be Stopped?
- Refund Not Received after T+2
- Merchant Says Refund Initiated but Money Not Received
- Unauthorised SBI UPI Transaction
- Common Reasons for SBI UPI Failure
- Common Problems and Solutions
- UPI Payment Safety Tips
- Official SBI Assistance
- Frequently Asked Questions
- Official Sources
- Final Summary
SBI UPI Failed or Pending Transaction: Quick Information
| Transaction-status check | YONO SBI / BHIM SBI Pay → Transaction History |
|---|---|
| Possible SBI UPI statuses | Pending, Success, Failed, Reject or Expired |
| Technical failure after debit | Automatic reversal is expected |
| SBI FAQ reversal timeline | T+1 day |
| Complaint suggested by SBI | If amount is not credited back by T+2 |
| YONO complaint | Transaction History → Select Transaction → Raise a Complaint |
| BHIM SBI Pay complaint | History → Select Transaction → Raise Dispute |
| Current SBI complaint portal | https://crh.sbi.bank.in/ |
| Contact Centre | 1800 1234 or 1800 2100 |
SBI UPI Transaction Status Explained
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| SBI UPI transactions may show Pending, Success, Failed, Reject or Expired; check Transaction History before deciding what to do next. |
SBI's current UPI system may display transaction statuses including:
- Pending
- Success
- Failed
- Reject
- Expired
The exact interpretation depends on the transaction type.
| Status | General meaning | What to do |
|---|---|---|
| Pending | Final confirmation has not yet been received | Wait and check Transaction History before paying again |
| Success | SBI's UPI system records the transaction as successfully processed | Check beneficiary or merchant confirmation if there is a dispute |
| Failed | The transaction did not complete | If debited, monitor the account for automatic reversal |
| Reject | A payment, collect request or related transaction was rejected | Open the transaction details for the specific reason |
| Expired | The permitted time for the request or transaction has ended | Start a fresh transaction only after confirming no debit occurred |
What Does SBI UPI Pending Mean?
A Pending status means the transaction has not yet received its final Success or Failed status.
This can happen because:
- SBI is waiting for a response from another bank
- The beneficiary bank is temporarily unavailable
- UPI network response is delayed
- The merchant has not returned final payment confirmation
- Network connectivity was interrupted
- The payment application did not receive the final status immediately
Do not assume that a Pending payment has failed.
Check the same transaction again in Transaction History before sending another payment.
What Does SBI UPI Failed Mean?
Failed means the transaction did not successfully complete.
If no amount was debited, the customer can normally initiate another payment after checking the reason for failure.
If the amount was debited despite the Failed status, SBI's automatic reversal process should return the amount to the payer account.
Keep the transaction reference until the reversal is completed.
SBI UPI Shows Success but Beneficiary Has Not Received Money
First confirm that the transaction is actually marked Success in Transaction History.
Then check:
- The beneficiary UPI ID
- Beneficiary name displayed before payment
- Amount
- Date and time
- UPI transaction reference
- Debit entry in the SBI account statement
Ask the beneficiary to check the actual bank-account statement rather than relying only on an SMS notification.
If SBI shows Success but the beneficiary bank still does not show the credit, raise a complaint against that transaction.
Do not repeatedly pay the same amount until the first transaction is resolved.
SBI UPI Reject and Expired Status
Reject
Reject can appear when a transaction or payment request is declined.
For example, a UPI collect request can be approved, rejected or marked as spam by the payer.
Expired
A collect request or another time-bound UPI action may expire when it is not completed within its permitted validity.
Before creating another payment, verify that the expired request did not debit the account.
SBI Account Debited but Beneficiary Not Credited
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| When an SBI UPI payment is debited but not credited to the beneficiary, check the transaction status and wait for the applicable automatic reversal before paying again. |
This is one of the most important UPI failure cases.
Follow this order:
- Do not repeat the payment immediately.
- Open YONO SBI, BHIM SBI Pay or the UPI app used for payment.
- Open Transaction History.
- Select the affected transaction.
- Check whether it shows Pending, Failed or Success.
- Note the transaction ID or reference number.
- Check the SBI account statement for debit or reversal.
- Wait for the applicable automatic-reversal process.
- If the amount is not returned within the SBI complaint timeline, raise a dispute.
For a technical failure, SBI states that the transaction amount is automatically reversed.
How Long Does SBI UPI Refund or Reversal Take?
For a technical UPI failure in which the account is debited, SBI's current FAQ states that the amount should be transferred back to the account on T+1 day after verification between the beneficiary and remitter banks.
If the amount is still not credited back by T+2 days, SBI advises the customer to raise a dispute for the specific transaction through the application or the Bank's complaint system.
What Does T+1 Mean in an SBI UPI Refund?
T means the transaction date.
Therefore:
- T = day on which the transaction took place
- T+1 = the next calendar day
- T+2 = two calendar days after the transaction date
Example
Suppose a failed UPI transfer happened on August 8.
- T = August 8
- T+1 = August 9
- T+2 = August 10
Actual posting visibility can depend on system processing, but the applicable SBI/RBI turnaround framework uses the transaction date as T.
SBI UPI Merchant Payment Failed but Account Debited
A merchant UPI payment is different from a direct person-to-person fund transfer for compensation purposes.
For example:
- You scan a shop QR code
- The SBI account is debited
- The merchant terminal or app does not receive final confirmation
Before paying again:
- Check Transaction History.
- Check the SBI account debit.
- Ask the merchant to check their payment history.
- Note the UPI reference number.
- Do not rely only on the merchant's notification sound or SMS.
If the merchant transaction remains unresolved, raise a UPI merchant-payment complaint.
SBI UPI Failed Transaction Compensation
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| Eligible SBI UPI technical failures may have T+1 or T+5 resolution timelines, with compensation provisions for delays beyond the applicable period. |
SBI's current Customer Rights, Grievance Redressal and Compensation Policy – 2026, Version 6 contains separate turnaround standards for UPI technical failures.
| UPI failure | Compensation provision |
|---|---|
| Fund transfer: payer account debited but beneficiary account not credited | ₹100 per day of delay beyond T+1 |
| Merchant payment: payer account debited but transaction confirmation not received at merchant location | ₹100 per day of delay beyond T+5 |
These compensation provisions relate to failed transactions caused by technical fault or error and are subject to the applicable SBI/RBI rules.
If an eligible delayed transaction is resolved but compensation is not reflected, mention the applicable transaction date, UPI reference and delay period while raising the complaint.
How to Check SBI UPI Transaction Status in YONO
The general YONO SBI process is:
- Open the official YONO SBI application.
- Login securely.
- Open YONO Pay and UPI.
- Select Transaction History.
- Find the affected payment.
- Open the transaction.
- Check its current status.
- Note the UPI reference and other details.
SBI states that Transaction History may display Pending, Success, Failed, Reject or Expired depending on the transaction type.
How to Raise an SBI UPI Complaint in YONO
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| Open Transaction History in YONO SBI, select the affected UPI payment and use Raise a Complaint to submit the dispute. |
SBI allows financial UPI complaints directly through the application.
The general process is:
- Login to YONO SBI.
- Open UPI.
- Select Transaction History.
- Select the affected transaction.
- Tap Raise a Complaint.
- Select the dispute type.
- Enter a short and accurate remark.
- Submit the complaint.
- Save the complaint or reference number.
Example Remark
A useful remark can state:
Account debited for UPI transaction, but beneficiary was not credited and amount has not been reversed.
Do not include the UPI PIN, OTP or Internet Banking password in the complaint remark.
How to Raise a Dispute in BHIM SBI Pay
The current SBI process is:
- Login to BHIM SBI Pay.
- Tap History.
- Select the affected UPI transaction.
- Tap Raise Dispute.
- Select the dispute type.
- Enter the relevant remark.
- Submit the dispute.
- Save the reference number.
The wording differs slightly from YONO SBI, where the corresponding option is called Raise a Complaint.
How to Lodge an SBI UPI Complaint Online
SBI has launched its current Complaint Resolution Hub at:
Older SBI FAQ pages may still refer to the earlier CRCF / CRM-CMS complaint system. SBI's previous customer-request page itself now indicates that the newer CRH system has been launched.
When lodging the complaint, keep ready:
- Registered mobile number
- SBI account information
- UPI transaction reference
- Date and time
- Amount
- Transaction status
- Beneficiary or merchant details
Do not provide UPI PIN, OTP or banking passwords.
Raise SBI UPI Complaint through Contact Centre
Current SBI Contact Centre numbers include:
- 1800 1234
- 1800 2100
- 1800 11 2211
- 1800 425 3800
- 080-26599990
SBI's UPI FAQ specifically lists 1800 1234 and 1800 2100 as complaint channels.
Keep these details ready:
- Transaction amount
- Date and time
- UPI transaction ID or reference number
- Account ending digits
- Current transaction status
Never disclose the UPI PIN or OTP to a Contact Centre representative.
What Is the UPI Transaction ID, UTR or Reference Number?
A UPI payment generates a transaction reference that helps banks and payment applications identify the specific transfer.
The app may display fields such as:
- Transaction ID
- UPI Reference Number
- UTR or RRN-like reference
- Date and time
- Payer UPI ID
- Payee UPI ID
- Transaction amount
Keep the reference number until the payment, reversal or dispute is completely resolved.
Do not share a screenshot containing unrelated account information publicly.
Should You Retry an SBI UPI Payment That Is Pending?
Usually, wait until the original transaction receives a final status.
If the first transaction later changes from Pending to Success, a second payment can result in duplicate payment.
Before retrying:
- Check Transaction History.
- Check the SBI account statement.
- Ask the beneficiary to check their bank statement.
- Confirm whether the first payment was reversed.
Only create a fresh payment when the first payment is clearly Failed or reversed, unless the payment is urgently required and you accept the risk of a duplicate transaction.
Money Sent to the Wrong UPI ID or Wrong Person
This is different from a failed transaction.
If you authorised a valid UPI payment to the wrong recipient:
- Do not send another payment to that UPI ID.
- Open Transaction History.
- Save the transaction reference.
- Raise a complaint through the UPI application.
- Contact SBI immediately.
- Provide the correct details of the mistaken transfer.
A successfully authorised transfer to the wrong beneficiary does not automatically qualify for failed-transaction reversal.
Recovery may depend on the beneficiary, beneficiary bank and applicable dispute or legal process.
Can You Stop an SBI UPI Transfer after Payment?
No.
SBI's current UPI FAQ states that once a UPI payment has been authorised, a stop-payment request cannot be placed for that transfer.
This is why the payee name and amount should be checked before entering the UPI PIN.
Do not confuse this with a UPI mandate. Some active mandates can be revoked according to their mandate rules before future execution, but an already authorised normal UPI payment cannot simply be stopped.
SBI UPI Refund Not Received after T+2
For a failed technical transfer, if the amount has not been credited back by T+2:
- Check Transaction History again.
- Check the latest account statement.
- Take note of the UPI transaction reference.
- Use Raise a Complaint or Raise Dispute in the app.
- Alternatively, lodge a complaint through SBI's Complaint Resolution Hub.
- Save the complaint reference number.
- Track the complaint until resolution.
Do not lodge multiple complaints for the same transaction unless SBI specifically instructs you to do so.
Merchant Says Refund Initiated but SBI Account Not Credited
A merchant-generated refund is not always the same process as automatic reversal of a failed UPI transaction.
Ask the merchant for:
- Refund reference number
- Original UPI transaction ID
- Refund date
- Refund amount
Then check the SBI account statement for a corresponding credit.
If the merchant provides a refund reference but the amount remains missing beyond the stated processing period, lodge a complaint with supporting transaction details.
What to Do for an Unauthorised SBI UPI Transaction
Do not treat an unauthorised transaction as an ordinary failed-payment refund.
Take immediate action:
- Disable SBI UPI services if necessary.
- Contact SBI immediately.
- Report the unauthorised electronic transaction.
- Secure the registered mobile number.
- Change compromised banking credentials.
- Review recent transactions.
- Report cyber fraud through the appropriate official channel where required.
SBI currently lists these numbers for unauthorised electronic transactions:
- 1800 11 1109
- 94491 12211
- 080-26599990
The national cybercrime helpline is 1930.
For UPI PIN and lost-phone guidance, read: SBI UPI PIN Reset Guide .
Common Reasons Why an SBI UPI Transaction Fails
A UPI payment may fail because of:
- Insufficient available balance
- Incorrect UPI PIN
- UPI PIN attempts exceeded
- Daily UPI transaction limit reached
- Maximum permitted transaction count reached
- Account-level transaction restriction
- Temporary SBI service problem
- Beneficiary bank downtime
- UPI network timeout
- Weak mobile-data connection
- Invalid or inactive beneficiary UPI ID
- Post-reset UPI cooling-period limit
- Compliance-related account restriction
SBI's current UPI FAQ also notes that certain compliance errors can occur when minimum-balance or permissible-debit conditions, UPI transaction count or amount limits, or another account limit is triggered.
Common SBI UPI Problems and Solutions
| Problem | What to do |
|---|---|
| Transaction Pending | Wait for final status and avoid immediate duplicate payment. |
| Failed but account debited | Monitor automatic reversal and raise a complaint if not returned within the SBI timeline. |
| Success but beneficiary says not received | Check beneficiary bank statement and raise a complaint with the UPI reference. |
| Merchant has no confirmation | Check UPI status and merchant transaction history before paying again. |
| Refund not received | Obtain the refund reference and lodge a complaint when the stated processing period has passed. |
| Money sent to wrong UPI ID | Contact SBI immediately and raise a complaint; successful authorised transfers are not automatic failed-transaction reversals. |
| Wrong UPI PIN | Stop guessing after repeated failures and reset the UPI PIN. |
| Payment fails after PIN reset | Check SBI's post-reset cooling-period limit. |
| Complaint option not visible | Use SBI's Complaint Resolution Hub or Contact Centre. |
SBI UPI Payment Safety Tips
- Check beneficiary name before entering the UPI PIN.
- Never share the UPI PIN or OTP.
- Do not approve unknown collect requests.
- Do not scan an unknown QR code to “receive” a refund.
- Do not enter the UPI PIN simply to receive money.
- Check Transaction History before repeating a pending payment.
- Keep the UPI reference until a dispute is resolved.
- Use only official SBI applications and complaint portals.
- Do not install remote-control apps at a caller's request.
- Report unauthorised transactions immediately.
Official SBI Assistance
SBI Contact Centre:
- 1800 1234
- 1800 2100
- 1800 11 2211
- 1800 425 3800
- 080-26599990
Current SBI Complaint Resolution Hub:
For unauthorised electronic transactions:
- 1800 11 1109
- 94491 12211
- 080-26599990
Never provide UPI PIN, OTP, ATM PIN, YONO MPIN or Internet Banking password while lodging a complaint.
Frequently Asked Questions
Why is my SBI UPI transaction pending?
Final confirmation may be delayed between SBI, the UPI network, beneficiary bank or merchant. Check Transaction History and avoid repeating the payment until the final status is known.
What happens if an SBI UPI payment fails after my account is debited?
SBI states that a technical-failure debit should be automatically reversed.
How long does an SBI failed UPI reversal take?
SBI's current FAQ states that the amount should normally be transferred back by T+1.
What if SBI UPI refund is not received after T+2?
Raise a dispute or complaint for the specific transaction through YONO SBI, BHIM SBI Pay, SBI's complaint system or Contact Centre.
What is T+1?
T represents the calendar date of the transaction. T+1 means the next calendar day.
Where can I see the status of my SBI UPI payment?
Open Transaction History in YONO SBI, BHIM SBI Pay or the applicable SBI UPI application.
What statuses does SBI UPI show?
SBI currently lists Pending, Success, Failed, Reject and Expired as possible transaction statuses depending on the transaction type.
How do I raise a complaint in YONO SBI?
Open Transaction History, select the transaction, tap Raise a Complaint, choose the dispute type, enter a remark and submit.
How do I raise a dispute in BHIM SBI Pay?
Open History, select the transaction and tap Raise Dispute.
What is SBI's current online complaint portal?
SBI's current Complaint Resolution Hub is available at https://crh.sbi.bank.in/.
Can I stop an SBI UPI payment after entering the PIN?
No. SBI states that an authorised UPI payment cannot be stopped.
Should I pay again when the first transaction is Pending?
Not immediately. Check the original transaction first because it may later become successful.
What if the merchant says payment was not received?
Check your Transaction History and account statement and ask the merchant to check their payment system before paying again.
What if the transaction says Success but the beneficiary did not receive the money?
Confirm the UPI reference and beneficiary details and raise a complaint for the successful transaction if the beneficiary account still does not show the credit.
What happens if I accidentally send money to the wrong UPI ID?
Contact SBI immediately and raise a complaint. A successfully authorised transfer to the wrong recipient is not automatically reversed like a technical failure.
Is there compensation if an SBI UPI transfer is delayed?
Under SBI's current 2026 compensation policy, eligible technical UPI fund-transfer failures have a ₹100-per-day compensation provision for delay beyond T+1.
What is the compensation timeline for merchant UPI payments?
For an eligible technical case where the account is debited but payment confirmation is not received at the merchant, SBI's current policy provides ₹100 per day beyond T+5.
Is a merchant refund the same as an automatic UPI reversal?
No. A merchant refund is initiated after a payment or purchase, while an automatic reversal occurs when the original payment fails technically.
Do I need to share UPI PIN for a refund?
No. Never disclose or enter your UPI PIN merely because someone claims to be processing a refund.
What should I do for an unauthorised SBI UPI transaction?
Contact SBI immediately, report the unauthorised electronic transaction, secure the mobile number and disable UPI if necessary.
Official Sources Checked
- SBI UPI Customer Care FAQs
- SBI Complaint Resolution Hub
- SBI Customer Care
- SBI Grievance Redressal and Escalation Mechanism
- SBI Customer Service Policies
Final Summary
When an SBI UPI transaction is Pending, check Transaction History and avoid immediately paying again.
If a technical UPI transaction fails after the SBI account is debited, SBI states that the amount should normally be automatically reversed by T+1.
If the amount is still not credited back by T+2, use Raise a Complaint in YONO SBI, Raise Dispute in BHIM SBI Pay or lodge the complaint through SBI's official Complaint Resolution Hub.
SBI's current 2026 compensation policy provides ₹100 per day beyond T+1 for eligible UPI fund-transfer cases where the payer is debited but the beneficiary is not credited. For eligible merchant-payment cases where the payer is debited but the merchant does not receive transaction confirmation, the policy provides ₹100 per day beyond T+5.
An already authorised UPI payment cannot be stopped. If money was sent to the wrong beneficiary, report it immediately rather than waiting for an automatic failed-transaction reversal.
Never share your UPI PIN, OTP, ATM PIN or banking password to obtain a refund or resolve a failed UPI payment.