UPI Services Disrupted Across India, Users Report Transaction Failures on PhonePe, Google Pay, and More:

UPI technical issues came to light on Saturday morning as millions of users across India faced digital disruption. Bank services that run on UPI infrastructure like PhonePe and Google Pay incurred problems at the same time losing business due to login issues, transaction failures, confirmed logins, and transaction delays.

What occurred? Timeline of the inconvenience

The schedule, outlined in purple indicates the start of disruption which peaks around 8 am. UPI outage tells us that the users commenced reporting issues around the Saturday’s commencement in early hours as well.

Every single platform faced transaction issues at the same time, irrespective of the brand of bank or app they used.

Popular social media platform X (formerly Twitter) saw a flood of complaints with users submitting screenshots of failed transactions along with online banking failures.

Official statement from NPCI.

The National Payments Corporation of India was the first authority to make comments on the issues and roughly this is what their statement included:

"The NPCI is facing some of the worst case scenarios in terms of technology. Such as decreased coverage of transnational activities of social payment systems,” they added, “We are simultaneously attempting to provide a solution and keep you informed. Our apology for the unintermittable trouble continues,”

They made the statement via x post saying every customer facing what NPCI claims is inappropriate has their matters attended to.

Platforms and banks affected.

Below is every platform and bank as they report being affected:

PhonePe: I’m told thousands are at a moment unable to send or receive payments.
Google Pay: In addition report times out as transactions stall and the entire application freezes.

Paytm: Some users faced minor issues with Paytm and reported having some errors with transactions.

HDFC Bank: Had scheduled maintenance and put a hold on UPI services from 2:30 AM to 6:30 AM.

Kotak Mahindra Bank: Had scheduled maintenance on 1:00 AM to 4:00 AM and was unable to provide UPI and netbanking services.

User Response and Effect

The outage disrupted day to day payments such as:

Purchasing groceries.

Riding cabs.

Delivering food.

Paying bills.

A considerable amount of users vented their complaints on social networks, and both small merchants and customers highlighted how reliant they have become on UPI.