Why Indian Overseas Bank UPI Is Not Working? Here Is The Possible Fix!

UPI stands for Unified Payments Interface, and it offers the ability to the user to make or receive payments from someone in real-time. This system was developed by NPCI, also known as the National Payments Corporation of India. In recent years, UPI has gained a lot of popularity. Especially during the demonetization, UPI proved to be very helpful for the people in making the payments. The best part about the UPI is that the Reserve Bank of India also regulates it.

Today, almost every bank in India supports payments via UPI, and Indian Overseas Bank is not different either. The bank has 3615 branches in India, but if you are a customer of Indian Overseas Bank, you don’t have to visit the branch to make the payment. But since you are here, we assume that you are having an issue making payment using the Indian Overseas Bank UPI.

Indian Overseas Bank UPI Not Working

So, go ahead and check out the possible fix below.

Bank Server Unavailable

The most common issue you may face while making the payment is that the bank server is unavailable. In most cases, the application would show you this error. Unfortunately, if the bank server is unavailable, you don’t have any fix, and you would have to wait until the services are bank online. So, if the bank server is unavailable, try after some time, and you should be able to make the payment.

Insufficient Balance

Another common issue that people face while making payments using the Indian Overseas Bank UPI is that there might not be enough balance in the account. In such a case, you can check if your Indian Overseas Bank Account has the required balance that you are trying to transfer. If the balance is insufficient, you know the fix or move on to the next section to understand the issue.

Issues with QR Code

Now, most of us use QR codes to make payments, which is very convenient. There is no chance of making payment to the wrong party when using the QR code. A general issue that you may face sometimes is that the QR code may not be valid. We mean here that the QR code may be damaged, or your camera lens may be dirty, because of which the phone cannot scan the correct QR code. Recheck it, and this should solve the problem.

Verify Phone Number, UPI ID or Bank Account

If you are using a phone number, UPI ID, or Bank Account number to make the payment, you must also verify the details. There are chances that the payment is failing because the details are incorrect. The details can be verified with the help of the receiver, and in most cases, this should resolve the issue.

Issues with Receivers Account

If you are the payee here, there are also chances that the receiver’s account has an issue. There is no real way to check that so that you can request a receiver for any other UPI ID linked to a different bank account. If the issue persists, you can follow the next step on this page.

Updating the Application

If you can still make the payment using the UPI, you should probably check the application version. There are chances that the application version installed on your phone is not supported anymore. The easy fix to the problem is updating the application and trying again.

Reaching Out to Support Team

If none of the things worked, then we are out of solutions. It is now time to reach out to the support team. You can reach out to the support team of the UPI application. At the same time, you can reach out to the Indian Overseas Bank’s customer care at 1800 425 4445.