Guidance needed: I Received money via UPI from someone who says that they sent it to my UPI number by mistake.

[User_b5d58d98]

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User_b5d58d98
PARTICIPANT
March 6, 2025 at 5:34 am

Few days ago, I received funds from someone who says that they sent money via UPI by mistake to my UPI number due to a typo. I want to return the funds, but I’m hesitant to refund directly, because if the person on the other end were a scammer, they would file a chargeback even after I rightfully return the funds and I would lose my own money. I’m talking about the classic chargeback scam. I asked the person to contact their bank’s branch manager for help and I’d fully co-operate with the process and they say their bank isn’t t helping. I think it is safest option for me to involve the banks and let the refund happen via the banking process instead of me refunding the funds on my own. What is the right way to return the funds in this case? Any help is greatly appreciated. Thanks

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[Urbanwolf2400]

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Urbanwolf2400
PARTICIPANT
March 6, 2025 at 5:39 am

Inform your bank, and then ask the other person to initiate reversal from their end.

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[User_b5d58d98]

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User_b5d58d98
OP
March 6, 2025 at 7:31 am

Thanks for trying to help. I tried reaching out to my bank’s helpline and I had to speak with bots that don’t seem to understand the situation. I’m unable to get in touch with an actual human.

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[Urbanwolf2400]

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Urbanwolf2400
PARTICIPANT
March 6, 2025 at 8:13 am

Shoot a mail , referencing the transaction I’d to your banks email

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[User_b5d58d98]

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User_b5d58d98
OP
March 6, 2025 at 4:15 pm

This actually led me to some progress. After emailing them, they’ve asked me to visit the nearest branch to initiate the refund process to the sender.

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[User_1b183ad1]

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User_1b183ad1
PARTICIPANT
March 11, 2025 at 3:57 am

Reaching out to your own bank is of no use. OP should ask the remitted to raise a chargeback through his bank.

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[Silentrider1541]

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Silentrider1541
PARTICIPANT
March 6, 2025 at 5:52 am

Call that UPI helpline no.

That should help.

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[User_b5d58d98]

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User_b5d58d98
OP
March 6, 2025 at 7:33 am

Thanks, I tried this and they say that the person who did the wrong transaction should approach their bank and then the NCPI portal for resolution. Let us see..

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[Epicdiksha3068]

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Epicdiksha3068
PARTICIPANT
March 6, 2025 at 8:50 am

Yes they will complain with there bank, n than your bank will return the money with your consent, don’t return directly as it’s a big scam nwadays

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[Arushbear312]

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Arushbear312
PARTICIPANT
March 6, 2025 at 7:55 am

Correct asks them to come through the proper channel. Agencies are not going to listen to these excuses

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[Calmhawk2162]

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Calmhawk2162
PARTICIPANT
March 6, 2025 at 8:53 am

Happened with me too. I sent the money to wrong number hy mistake. Complaint on the upi portal, nothing happened. Talked to the person directly and he was kind enough to sent it back to me.

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[Braveseeker242]

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Braveseeker242
PARTICIPANT
March 6, 2025 at 9:08 am

Scam

Once you send it back, they do reversal via bank and amount in your bank account will be put on hold.

There are number of old similar reddit posts

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[User_b5d58d98]

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User_b5d58d98
OP
March 6, 2025 at 1:59 pm

Thanks for letting me know.. Scammers make everyone’s life difficult..

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[Smartarushi4657]

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Smartarushi4657
PARTICIPANT
March 6, 2025 at 10:16 am

Don’t refund directly. Instead, contact your bank immediately with the UPI transaction ID and sender’s details. Banks use NPCI’s formal chargeback process (TCC/RET checks) to reverse transactions without double-dipping risks.

Demand written proof from the sender’s bank (via email) confirming the error. No docs? Stall. Legit cases involve banks/NPCI – not emotional WhatsApp pleas.

This isn’t paranoia – UPI fraud hit a Thousand Cr last year.

Play hardball: “Reverse via banking channels or GTFO.”

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[User_b5d58d98]

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User_b5d58d98
OP
March 6, 2025 at 2:01 pm

This helps a lot! Thanks for the advice..

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[User_4ce45112]

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User_4ce45112
PARTICIPANT
March 6, 2025 at 2:27 pm

Thank you Bhai. this was enlightening.

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