UPI Reference Number

Learn about the benefits of UPI reference number.
UPI Reference Number
3 mins
4 May 2024

What is the UPI reference number?

The UPI reference number serves as a digital fingerprint for transactions in the Unified Payments Interface (UPI) system. It is a unique code that encapsulates essential transaction details, ensuring accuracy and traceability. To track a UPI transaction, locate the reference number in your payment history or in the confirmation message. With this, you can monitor transaction status through your banking app or the Bajaj Pay UPI platform. This number acts as a key to unlocking real-time updates on your transaction journey, offering reassurance and transparency. Whether it is payments, receipts, or even troubleshooting, the UPI reference number is your gateway to seamless and hassle-free transaction monitoring.

How to find UPI reference number/ID?

Locating your UPI reference number/ID is effortless and pivotal for transaction oversight. After initiating a UPI payment, check your payment confirmation message or transaction history in your banking app. The reference ID is a distinct alphanumeric code often listed alongside the transaction details. Additionally, you can access it by tapping on the transaction itself. If sending a payment request, the UPI reference ID will be in the confirmation message received. This ID acts as your digital transaction tag, granting you the ability to track, verify, and resolve any issues related to the payment, ensuring a seamless and confident digital payment experience.

What are the benefits of a UPI reference number/ID?

  • Simplified transactions
    UPI reference number/ID streamlines payments, replacing lengthy account details with a single identifier.
  • Efficiency
    It enhances efficiency by enabling quick fund transfers and seamless bill payments.
  • Security
    This ID ensures secure transactions, reducing the need to share sensitive account information.
  • Versatility
    The UPI reference ID works across various domains, from peer-to-peer transfers to online shopping.
  • Error reduction
    It minimises errors in transactions, making financial interactions smoother and more reliable.

Importance of tracking UPI reference number

1. Transparency: The UPI transaction is equipped with a unique reference number, serving as a digital fingerprint for each transaction. This feature enables you to monitor the progress of your payment in real-time, whether it is successful, pending, or unsuccessful. Such transparency allows you to quickly identify any discrepancies or delays and take necessary actions.

2. Resolution: In case of accidental money transfers or failed transactions caused by technical issues, the UPI reference number plays a vital role. By providing this number to your bank or the customer support of the application, you can kickstart a prompt investigation and resolution process.

3. Fraud prevention: When it comes to preventing fraud, the reference number is a valuable piece of evidence. By sharing it with the relevant authorities or your bank, you can initiate an investigation and potentially recover lost funds. Remember, detecting and reporting fraudulent activities early is crucial in combating cybercrime.

4. Reconciliation and documentation: When handling numerous transactions, both businesses and individuals can rely on the reference number to facilitate reconciliation and proper record-keeping. This unique identifier attached to each payment streamlines the bookkeeping process and aids in pinpointing specific transactions for tax obligations or audits.

5. Assurance: The ability to track and authenticate transactions provides a sense of assurance, particularly when dealing with substantial amounts or unknown payees. With the reference number at your disposal, you are empowered to maintain oversight and intervene as necessary.

How to track UPI reference number/ID?

To track a UPI reference number, follow these steps:

  1. Open your UPI-supported banking app and navigate to the ‘TRANSACTION HISTORY’ section
  2. Click on the relevant transaction with the UPI reference number to view its details
  3. The transaction status will be displayed, indicating whether it is pending, successful, or failed
  4. If using multiple UPI apps, check each app's transaction history using the reference number
  5. If needed, refer to your bank statement as it often includes UPI reference numbers


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Frequently asked questions

What to do if the UPI reference number is lost?

If you lose your UPI reference number, start by checking your transaction history in the UPI-supported app. If not found, review your bank statement for the reference number. Alternatively, contact your bank's customer support with transaction details to retrieve the reference number or for further guidance.

Can the UPI reference number be changed?

No, once generated, the UPI reference number for a specific transaction cannot be changed. It serves as a unique identifier for that particular transaction and remains constant throughout. It is crucial to keep track of this reference number for tracking and verifying transactions accurately.

Is the UPI reference number case-sensitive?

No, UPI reference numbers are not case-sensitive. They are usually treated as alphanumeric strings without consideration for uppercase or lowercase letters. This means you can enter the reference number in any case (upper or lower) while searching or inputting it for transactions without affecting its accuracy or validity.

Can one UPI reference number track multiple transactions?

No, each UPI reference number is generally associated with a single transaction. It serves as a unique identifier for that specific payment or transaction. If you have multiple transactions, each will typically have its own unique UPI reference number.

Is UPI payment safe?

UPI offers convenience, however, ensuring safety necessitates intelligence. Utilise reputable applications, refrain from disclosing your PIN, and double-check recipient information. Keep track of reference numbers for potential disputes. Although fundamentally secure, staying alert against phishing and unauthorised disclosures is imperative.

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