What is UPI Reference Number (UTR) & How Can You Track It?

Imagine paying on your mobile phone using a UPI app debiting the amount from your bank account. But the recipient says they haven’t received the payment. What do you do? How do you figure out the status of the transaction?The answer is the UPI reference number. But before we dive into UPI reference numbers, let’s understand what UPI or Unified Payments Interface is.

UPI is a digital payment system developed in India and introduced by the National Payments Council of India (NPCI) that allows instant fund transfers using mobile devices. People can use UPI to conduct inter-bank, peer-to-peer, and person-to-merchant transactions. You can use UPI to pay for various goods and services online and offline.

The UPI reference number is the identification number attached to UPI transactions, which ensures the reliability and transparency of UPI transactions. It is a unique 12-digit number that tags each UPI transaction, providing essential transaction details. The reference number helps with traceability and allows consumers to track the status of their transactions.

The UPI transaction reference ID is handy when tracking a UPI transaction.When you make a UPI payment, the system generates a reference ID. It is the number displayed below the transferred amount. In rare instances, if your account gets debited, but the money doesn’t get credited to the recipient’s account, the reference number can help track the transaction’s status or resolve a dispute.

You can find the UPI transaction number below the transaction amount. Find the UPI reference id using the following options.

• Transaction history
• Digital passbook

Click on the transaction detail to get the reference number.

Step-By-Step Guide on How to Track UPI Reference Number on Paytm

If you have made a UPI payment using Paytm, here are the steps to find the UPI reference number.

• Navigate to the Paytm mobile app on your phone
• Click on the Balance and History icon on the home screen
• Browse through the transaction history to find the right transaction entry
• Select the transaction and note down the 12-digit unique reference ID

Step-By-Step Guide on How to Track UPI Reference Numbers on GooglePay

• Open the Google Pay app on your mobile device and navigate to Transaction History
• To track the reference number, click on the transaction details
• The Google Pay UPI transaction reference is a 12-digit number

Also Read: Google Pay for Business - Features and Benefits of Gpay Payments

Step-By-Step Guide on How to Track UPI Reference Number on PhonePe

• Visit the history section on your PhonePe app
• Click on the transaction you want
• You will get the 12-digit reference number on your phone’s screen

There are several benefits of tracking UPI reference numbers, which are:

• The UPI reference number streamlines UPI transactions by providing a unique identification number for each transaction, reducing error and enhancing transparency.
• The reference number ensures the traceability of UPI transactions. Using the reference number, you can instantly track the details of a transaction. It helps resolve errors and disputes.
• UPI transaction reference number tracking allows for discovering transaction details without requiring you to reveal your bank account or debit card details. These reference numbers enhance security by preventing unauthorised access to sensitive transaction information.

Also Read: Credit, Debit or ATM Card - What's the Difference?

UPI payments are now the most accepted digital payment method in India. Not only that, it is also gaining acceptance and popularity abroad. The UPI reference number enhances the traceability of UPI transactions, making it a secure payment method.