Mastering UPI Transaction Reversals: A Guide for PhonePe, Paytm, Google Pay, and More


The Unified Payments Interface (UPI) has revolutionized the way we handle financial transactions in India. It offers a convenient and fast way to transfer money, pay bills, and make purchases. However, there are times when we make accidental transactions or encounter issues with payments. In such cases, it’s crucial to know how to reverse UPI transactions on popular apps like PhonePe, Paytm, Google Pay, and others. There are more chances of these mistakes as recently a feature has been released where you can make small payments without the hassle of entering a PIN. In this article, we will guide you through the process of reversing UPI transactions on these platforms.

1. PhonePe:

  • Open the PhonePe app on your smartphone.
  • Tap on the ‘My Money’ tab at the bottom.
  • Select ‘Bank Accounts.’
  • You will see a list of your linked bank accounts; choose the account from which you made the transaction.
  • Scroll down and select ‘View All Transactions.’
  • Locate the transaction you want to reverse and tap on it.
  • At the bottom of the transaction details, you will find the ‘Raise Dispute’ option. Tap on it.
  • Follow the on-screen instructions to provide details of the dispute and submit your request.

2. Paytm:

  • Launch the Paytm app on your device.
  • Tap on the ‘Passbook’ icon at the bottom.
  • Select the bank account from which you made the transaction.
  • Find the transaction you wish to reverse and tap on it.
  • At the top-right corner, click on the ‘Report issue with this transaction’ option.
  • Follow the prompts to report the issue and request a reversal.

3. Google Pay:

  • Open the Google Pay app.
  • Tap on ‘Transactions’ at the bottom.
  • Find and select the transaction you want to reverse.
  • Scroll down and tap on ‘Raise a dispute.’
  • Choose the issue type and provide details.
  • Submit the dispute for review.

4. Other UPI Apps:

  • The process for reversing transactions may vary slightly on other UPI apps, but the fundamental steps are generally the same. Look for transaction history or passbook sections within the app.
  • Locate the specific transaction, and if there is an option to report or dispute the transaction, click on it.
  • Follow the app’s instructions to submit your dispute and request a reversal.

Important Points to Remember:

  • Time Limit: It’s essential to initiate the dispute as soon as possible. UPI apps often have a limited window for raising disputes, typically within 72 hours of the transaction.
  • Documentation: Keep any relevant information, such as transaction IDs, timestamps, and recipient details, handy when raising a dispute. This information will be required to support your claim.
  • Communication: After initiating the dispute, keep an eye on your email and the app for updates from the customer support team. They may request further information or provide updates on the status of your request.
  • Be Patient: The reversal process can take some time as it involves coordination between banks and payment service providers. Be patient and cooperative during the resolution process.


For, users now effortless UPI PIN Reset with BHIM UPI App has been introduced. UPI apps have made digital transactions incredibly convenient, but they also understand that mistakes can happen. Knowing how to reverse UPI transactions on platforms like PhonePe, Paytm, Google Pay, and others is crucial to resolving issues and ensuring your money is secure. Remember to act promptly, provide accurate information, and stay engaged with the app’s customer support to facilitate a smooth reversal process.

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About the Author: Ranjit Ranjan

More than 15 years of experience in web development projects in countries such as US, UK and India. Blogger by passion and SEO expert by profession.

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