What if the money is not deposited into the receiver’s account after 5 days?

In the rare case that the receiver’s bank fails to deposit the money after 5 days, please ask the receiver to contact their bank with the Unique Transaction Reference (UTR) number for the payment. Their bank will be in the best position to help them with this. 

To find the UTR number, 

1. Tap History on the PhonePe app home screen. 
2. Select the payment for which you would like to view the UTR number. 
3. You will see the 12-digit UTR number in the Debited from section on the screen.

Note: The receiver may experience a delay in receiving an SMS from their bank for payments, we recommend that you ask them to check the relevant account statement for a credit confirmation.