UPI Payments Outage Update: Services Back On Paytm, PhonePe, Google Pay; How To Send, Request Money?

UPI Outage Update: The NPCI has finally restored the meltdown in Unified Payment Interface (UPI) services that left thousands affected for hours yesterday. On April 12, thousands of UPI users complained about not being able to carry any payments or transactions using UPI through PhonePe, Google Pay or Paytm.

As of March 2025, about 18,301.51 million transactions were carried through UPI, valuing to about Rs 2,477,221.61 crore. Hence, it needs to be noted that UPI is widely used across India.

UPI Outage Update:

In the late hours of April 12, NPCI said, "UPI services have been stable since late afternoon, and NPCI continues to monitor the situation closely. We regret the inconvenience caused and thank you for your patience."

On Saturday, as per DownDetector. users have reported problems at Unified Payments Interface (UPI). 81% of the complaints were related to payments via UPI, while 17% of them complained about issues in funds transfer. A meager 2% of them complained about issues related to purchases.

How To Send Money Using UPI? Here's A Step-By-Step Guide:

Step 1: User logs in to UPI application

Step 2: After successful login, user selects the option of Send Money/Payment

Step 3: User enters beneficiary's/Payee virtual id, amount and selects account to be debited

Step 4: User gets a confirmation screen to review the payment details and clicks on Confirm

Step 5: User now enters UPI PIN

Step 6: User gets a successful or failure message

How To Request Money Using UPI: Step-By-Step Guide:

Step 1: User logs in to his bank's UPI application

Step 2: After successful login, the user selects the option of collecting money (request for payment)

Step 3: User enters remitters/payers' virtual id, amount and account to be credited

Step 4: The user gets a confirmation screen to review the payment details and clicks on Confirm

Step 5: The payer will get a notification on his mobile to request money

Step 6: The payer now clicks on the notification and opens his bank UPI app where he reviews the payment request

Step 7: The payer then decides to click on accept or decline

Step 8: In case of accepting payment, the payer will enter UPI PINto authorize the transaction

Step 9: Transaction complete, payer gets successful or decline transaction notification

Step 10: The payee/requester gets a notification and SMS from the bank for credit to his bank account

Unified Payments Interface (UPI) is a system that powers multiple bank accounts into a single mobile application (of any participating bank), merging several banking features, seamless fund routing & merchant payments into one hood. It also caters to the "Peer to Peer" collect request which can be scheduled and paid as per requirement and convenience, as per NPCI FAQs.

Why UPI Is Popular And Unique? Following are the reasons why UPI is unique by NPCI:

- Immediate money transfer through mobile device round the clock 24X7 and 365 days.

- Single mobile application for accessing different bank accounts.

- Single Click 2 Factor Authentication - Aligned with the Regulatory guidelines, yet provides for a very strong feature of seamless single click payment.

- Virtual address of the customer for Pull & Push provides for incremental security with the customer not required to enter the details such as Card no, Account number; IFSC etc.

- Best answer to Cash on Delivery hassle, running to an ATM or rendering exact amount.

- Utility Bill Payments, Over the Counter Payments, QR Code (Scan and Pay) based payments.

- Merchant Payment with Single Application or In-App Payments.