How Can I Know the Person’s Details to Whom I Had Sent Money by UPI ID?
Introduction
Unified Payments Interface (UPI) has revolutionized digital transactions in India, making instant money transfers easy and secure. However, sometimes users may need to identify the recipient of a transaction, especially if the payment was sent mistakenly or if further verification is required. This guide will help you understand how to retrieve the details of a person to whom you have sent money using their UPI ID.
UPI transactions are designed to ensure privacy and security, which means obtaining the recipient's full details isn't always straightforward. However, with the right steps and available resources, you can track and verify key transaction details. Whether you’re using Google Pay, PhonePe, Paytm, or another UPI-enabled app, there are various ways to confirm recipient details.
Can You Get the Details of the UPI Recipient?
UPI transactions prioritize security and privacy. While full details of the recipient may not always be accessible, there are ways to retrieve useful information such as:
Transaction history within your banking app.
Bank account statement mentioning the recipient details.
UPI reference ID to track the transaction.
Contacting the bank or payment service provider (Paytm, PhonePe, Google Pay, etc.).
Checking SMS notifications from banks or UPI apps after a transaction.
Using customer support or dispute resolution mechanisms for incorrect payments.
Steps to Check UPI Transaction Details
1. Check Your UPI App Transaction History
Most UPI apps maintain a transaction log that includes details like:
Name of the recipient (if available)
UPI ID or linked mobile number
Transaction reference number
Transaction status (successful, pending, failed)
Date and time of the transaction
Payment mode used (linked bank account or wallet)
How to Access Transaction History on Popular UPI Apps:
Google Pay:
Open the app → Tap on "Transactions" → Select the relevant transaction → View recipient details.
PhonePe:
Open PhonePe → Go to "History" → Click on the transaction → Check recipient UPI ID and name.
Paytm:
Open Paytm → Tap on "Passbook" → Select "Transaction History" → Click on the transaction.
📌 Tip: Take a screenshot or note down the details for future reference. If the name of the recipient is displayed, cross-check it before making future transactions.
2. Check Your Bank Statement
Your bank statement records all UPI transactions, displaying:
The recipient’s bank name
A masked account number
UPI transaction ID
The exact amount sent and timestamp
Steps to Access Bank Statement:
Open your net banking app or website.
Navigate to the "Account Statement" section.
Apply filters for UPI transactions.
Identify the relevant transaction and note down the details.
📌 Pro Tip: Banks usually keep a record of transactions for an extended period. If you need older transactions, check for advanced search options.
3. Use UPI Transaction Reference ID
Each UPI transaction generates a unique reference ID that can be used to track payments.
Copy the reference ID from your UPI app.
Visit your bank’s website or contact their customer support.
Provide the reference ID to retrieve further details.
Use the reference ID to confirm the payment with the recipient if required.
🔎 Example: If you transferred money using Google Pay, the reference ID would appear under transaction details. You can use this ID to verify the transaction with your bank.
4. Check SMS Notifications
After making a UPI payment, your bank or payment provider usually sends an SMS confirmation.
This SMS contains transaction details, including the recipient’s partial account information.
Use this information to match with your bank statement.
If the SMS does not provide enough details, use it as a reference when contacting customer support.
5. Contact Your Bank or UPI Service Provider
If you need further details, you can:
Call the customer support number of your bank or UPI app.
Provide transaction details for verification.
Request confirmation of the recipient’s details (subject to privacy laws).
Visit your nearest bank branch with valid identity proof if further investigation is required.
6. Reverse a Wrong UPI Payment
If you mistakenly transferred money to the wrong UPI ID:
Contact the recipient and request a refund.
If unresponsive, raise a dispute with your bank or UPI provider.
File a complaint through the NPCI UPI Dispute Redressal System or Cyber Crime Portal if fraud is suspected.
Report the issue to the RBI Ombudsman if the bank does not resolve it within a reasonable timeframe.
📌 Important: Never share your UPI PIN or other sensitive details while seeking help from customer support.
Precautions to Avoid Sending Money to the Wrong Person
✅ Double-check the UPI ID before confirming a transaction. ✅ Send a small test amount first if unsure about the recipient. ✅ Use the QR code scan option instead of manually entering UPI IDs. ✅ Save trusted UPI IDs for future transactions. ✅ Enable transaction alerts to quickly spot any suspicious activity. ✅ Regularly update your UPI app to ensure the latest security measures are active.
Conclusion
While UPI transactions are designed to be secure, mistakes can happen. By following the steps outlined above, you can retrieve recipient details or resolve issues related to incorrect payments. Always verify details before sending money to avoid unnecessary complications.
If you are unable to recover funds, escalate the matter through proper banking channels and ensure you follow the dispute resolution guidelines. Staying vigilant and informed about how UPI transactions work will help you avoid common payment errors.
📢 Call-to-Action: Have you ever faced an issue with a UPI transaction? Share your experience in the comments or explore our related articles on digital payments and fraud prevention! Stay safe and ensure secure digital transactions every time!
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