Your payment was declined as per UPI risk policy – How to Fix It?

Your payment was declined as per the UPI risk policy, this is a common problem that faces all users while making payments through UPI.

However, payment-related problems are very difficult for users. It is important to ensure the security and integrity of money transactions.

So here are some common causes and how you can resolve the “Payment declined as per UPI risk policy” issue.

Your payment was declined as per UPI risk policy

There may be specific reasons for your UPI payment to be declined as per the UPI Risk Policy. Check out those common reasons:

  1. You may entered the wrong UPI PIN.
  2. The transaction amount may be over.
  3. The user details may be entered incorrectly.
  4. Your internet connection is very low.
  5. Your mobile number will be linked to multiple accounts at the same bank.
  6. The transaction was made from an unknown location that would not normally be associated with your account.
  7. Your daily UPI transaction limit may have been exceeded.
  8. Your bank may have noticed unusual activity, causing it to flag your account as suspicious.

How to Fix this Issue?

your payment was declined as per upi risk policy
Your payment was declined as per UPI risk policy

To fix this UPI payment decline or error, you can take the following steps:

  1. Check that your UPI app is updated.
  2. Check your internet connection fast.
  3. Check that you have entered the correct UPI PIN.
  4. Check that you have entered the beneficiary details correctly. Otherwise, please fill them out again.
  5. Make sure that your mobile number is linked to only one bank account.
  6. Check your daily UPI transaction limit and try again later.
  7. If you think that your account has been kept as suspicious or hacked, you should immediately contact your bank customer care.

If the issue continues for you, please consider using an alternative payment method.

How to Avoid UPI Fraud

Here are some additional suggestions to help you avoid UPI fraud:

  • You must use the UPI app or platform from trusted sources like Google Pay, Paytm, and PhonePe.
  • You must be careful about tapping on any unknown links in an SMS or email.
  • You should be careful, you do not share your UPI PIN with anyone.
  • It is important to keep your UPI PIN secret.
  • If you believe that your bank account has been compromised, please contact your bank immediately.

Your payment has been declined by your bank Paytm error

If your payment has been declined by your bank Paytm error, it could be due to some issues like insufficient funds in the linked bank account, incorrect UPI PIN entry, network problem, technical issues with the UPI platform, or when the beneficiary’s UPI ID is incorrect. Or be inactive.

To protect your money this payment was declined by the UPI network. You need to make sure your internet connection is stable and secure, enter the correct UPI ID, the correct UPI PIN, and a sufficient amount in your bank.


This is a possible troubleshooting of this issue: Your payment was declined as per UPI risk policy. Declined UPI payments can happen for various reasons, but most of the issues require the details I have updated above. If the problem persists, you can seek help from your bank’s customer support or contact the customer of the UPI you use.