Serious. Can two UPI transaction have same reference number?

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ewater

In bob savings account, two upi txn have same reference number. first one is debit and second one is credit (refunded).

Edit: Most important -- i paid using paytm UPI with bob a/c which is debit but received refund directly in bob a/c without involvement of paytm UPI /app. how this is possible?

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Deal Subedar Deal Subedar
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yes, recently same case happened with me. i ordered something on pincode app and my order got cancelled due to non-availability of stock. they initiated refund. It took 12 days for the refund (after raising complaints) and during follow-ups for refund i came to know that they provided same UTR number for original txn and for the refund txn which caused the refund to delay. One should be alert and keep track of refund expected. 

Deal Lieutenant Deal Lieutenant
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Each TRN is entitled to have both debit and credit.

So it's normal 

Deal Subedar Deal Subedar
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Well the bank specifically told me that the utr number cannot be the same for refund transaction and after complaining the same to pincode/phonepe. They (pincode) issued fresh refund with different utr number.

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Benevolent Benevolent
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Refunds Are Not Involved With Upi Apps , Money Directly Goes To Bank Account.

Deal Newbie Deal Newbie
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Hammer promo code HAMMER 10

Deal Cadet Deal Cadet
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My two debit transaction have same reference number

Icici coral rupay in gpay upi

Deal Subedar Deal Subedar
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When you use a debit/credit card, they get deposited in the payee account. If you it cancelled for some reason, the payee makes another transaction to reverse it to you. So they have different no's.

In this case, I think the transaction failed midway. Upi is direct transfer from account to account.


The amount never went to payee account, so the payment went back to the source account on its own. Since it was technically a single transaction, they bear the same reference no.

That's my reasoning.

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