Solutions To “Payment Failed You Can’t Use This Bank Account For UPI”

UPI Network

The Unified Payments Interface (UPI) has revolutionized the way we conduct financial transactions in India. It offers a seamless and convenient platform for transferring money, making payments, and even shopping online.

However, encountering a “Payment Failed: You Can’t Use This Bank Account for UPI” error message can be frustrating and confusing for users. In this article, we will explore some common reasons behind this error and provide practical solutions to resolve it.

Meaning Of Payment Failed You Can’t Use This Bank Account for UPI

The error message, “You can’t use this bank account for UPI,” typically appears when attempting to make a payment through UPI using a specific bank account. It implies that the bank account linked to your UPI app is not eligible for UPI transactions. Let’s delve into some common scenarios associated with this error message:

  1. You can’t use this bank account for payment; please try with a different bank account (PhonePe, HDFC, SBI): This message may appear when using popular UPI-enabled apps like PhonePe, or if you have accounts with specific banks such as HDFC or SBI. It suggests that the selected bank account cannot be used for UPI transactions.
  2. You can’t use this bank account for UPI, meaning: This message simply implies that the particular bank account linked to your UPI app is not supported for UPI payments. The reasons for this could vary, but there are potential solutions to explore.

How do I enable UPI in my bank account?

To enable UPI in your bank account, follow these general steps:

A. Download a UPI-enabled app: Install a UPI-enabled app such as PhonePe, Google Pay, Paytm, or any other app supported by your bank.

B. Registration: Open the app and complete the registration process, providing the necessary details like your mobile number linked to the bank account.

C. Linking bank account: Select your bank from the list provided and follow the instructions to link your bank account to the UPI app.

D. Generate UPI PIN: Set up a UPI Personal Identification Number (PIN) to authenticate your transactions.

E. Verify bank account: Some apps may require additional verification steps, such as entering your debit card details or verifying through OTP (One-Time Password).

Solutions To “Payment Failed You Can’t Use This Bank Account For UPI”

1. Verify Bank Account Details

The first step is to double-check that you have entered the correct bank account details. Make sure you have entered the correct bank account number, IFSC code, and registered mobile number. Even a minor mistake in any of these details can lead to payment failure.

2. Ensure Sufficient Balance

Ensure that your bank account has sufficient balance to complete the transaction. Insufficient funds in your account can cause the payment to fail. Check your account balance and make sure it covers the transaction amount along with any additional charges.

3. Check UPI App Compatibility

Different UPI apps may have compatibility issues with certain bank accounts. Ensure that you are using the latest version of the UPI app and that it supports your bank. If you encounter compatibility issues, consider using a different UPI app that is compatible with your bank.

4. Update UPI App and Bank App

Outdated UPI apps or bank apps may lead to payment failures. Ensure that both your UPI app and the bank app are updated to the latest version. Developers regularly release updates to address bugs and improve compatibility, so keeping your apps up to date can resolve many issues.

5. Contact Customer Support

If the problem persists, reach out to the customer support team of your bank or the UPI app. They will have access to your account details and can provide specific guidance to resolve the issue.

Explain the problem in detail and provide any error codes or transaction references to expedite the troubleshooting process.

6. Temporarily Switch Bank Account

If all else fails, you may consider linking a different bank account to your UPI app. Sometimes, specific accounts may face temporary technical issues that prevent successful transactions. By switching to another bank account, you can continue using UPI services without interruption while the issue is resolved.

Solutions in Hindi (“You Can’t Use This Bank Account for UPI” का हिंदी में अर्थ)

जब आपको यह संकेत मिलता है कि “You can’t use this bank account for UPI in hindi,” तो इसका अर्थ होता है कि आपका बैंक खाता UPI प्लेटफॉर्म के साथ संगत नहीं है। निम्न उपायों की मदद से इस समस्या का समाधान प्राप्त करें:

A. बैंक खाता विवरण सत्यापित करें: सुनिश्चित करें कि आपने सही बैंक खाता विवरण, जैसे खाता संख्या, IFSC कोड, और मोबाइल नंबर, डाले हैं।

B. खाता शेष जांचें: यह सुनिश्चित करें कि आपके बैंक खाते में पर्याप्त धन है ताकि आप लेन-देन को संपन्न कर सकें।

C. एक अलग बैंक खाता प्रयास करें: यदि उपरोक्त सभी उपाय विफल हो जाते हैं, तो विचार करें कि क्या आप किसी अन्य बैंक खाता को UPI प्लेटफॉर्म से जोड़ने के लिए लिंक कर सकते हैं।

D. ग्राहक सहायता से संपर्क करें: उस UPI प्लेटफ़ॉर्म के ग्राहक सहायता टीम से संपर्क करें जिसे आप उपयोग कर रहे हैं। वे आपको त्रुटि के पीछे छिपे कारण की सूचना दे सकते हैं और उपयुक्त मार्गदर्शन प्रदान कर सकते हैं।


Encountering a “Payment Failed: You Can’t Use This Bank Account for UPI” error can be frustrating, but with the right approach, it can be resolved. By verifying your bank account details, ensuring sufficient balance, checking app compatibility, updating your apps, and seeking customer support if needed, you can overcome this issue and continue enjoying the convenience of UPI-based transactions.

Just stay patient and persistent while troubleshooting, as the solution may vary depending on the specific circumstances.

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