UPI's getting rejected

[tesla007]

About 2-2.5 years back created upi id's for my parents using sbi bhim and idfc bank app and I have been sending them money using upi on their upi id's. The idfc one was created a few months after the sbi one. They never use upi or any other such app so I deleted the upi apps after creating these upi id's back then only from their devices. Now whenever I am sending them money using upi I get an error, payment declined by receiver's upi payment provider. I started getting this error for the sbi upi id first and then it started for the idfc one also. I tried sending money using different phones using different upi id's but same result. The banks have no clue about this. It is not possible for them to install these apps right now and try to set the upi id again. The outbound and inbound imps, neft/rtgs works very well for the savings accounts with which these upi id's are linked.

Why is this error occuring? How to rectify this error? Has the upi id's being blocked because there was no outbound upi for all these years and all inward upis? Is there any such rule? I installed sbi bhim upi app in a phone and it does not let one setup the app if the camera permission is not given. Why does the sbi bhim app need the camera permission? There used to be a shitty rule in sbi bhim that if anyone deletes their upi id then that upi id is not given to anyone for 4-5 years iirc. Idfc bank on the other hand uses one's phone number as upi id.

 

[hender]

UPI ecosystem, every entity, don't have end to end solutions for everything.
My PNB inactive id disappeared, no longer working as intended to.
Suggestion: Use account no and IFSC and save it for future transaction on UPI.

 

[Kumar93196]

Try paying to merchant.
And upi apps need camera permission to scan QR.

 

[Mr. BeanMr. Bean is verified member.]

Why is this error occuring? How to rectify this error? Has the upi id's being blocked because there was no outbound upi for all these years and all inward upis? Is there any such rule? I installed sbi bhim upi app in a phone and it does not let one setup the app if the camera permission is not given. Why does the sbi bhim app need the camera permission?

Since there are no standards framework (for UPI), the guidelines around UPI varies across banks. Each bank has its own policy for permissions as well.

Had a similar issue with another bank. I just had to re-install the app once, unlink & then link the bank account, send the (test) amount, uninstalled the app. The same UPI ID became active again.

 

[tesla007]

UPI ecosystem, every entity, don't have end to end solutions for everything.
My PNB inactive id disappeared, no longer working as intended to.
Suggestion: Use account no and IFSC and save it for future transaction on UPI.

How to setup account number and ifsc code for upi? Isn't that needed for imps,rtgs/neft?
I am trying to get the sim reissued here as its is my name but I have a phone with a custom rom with no google play services. Does any upi app work without google play services? Sbi bhim doesn't and idfc banks app keep on saying that app is not installed from playstore.

 

[tesla007]

Try paying to merchant.
And upi apps need camera permission to scan QR.

Everything is disabled it seems.
I am trying to get the sim reissued here as its is my name but I have a phone with a custom rom with no google play services. Does any upi app work without google play services? Sbi bhim doesn't and idfc banks app keep on saying that app is not installed from playstore.

 

[tesla007]

Since there are no standards framework (for UPI), the guidelines around UPI varies across banks. Each bank has its own policy for permissions as well.

Had a similar issue with another bank. I just had to re-install the app once, unlink & then link the bank account, send the (test) amount, uninstalled the app. The same UPI ID became active again.

But both sbi and idfc kinda blocked these upis after xx years so I was hoping that maybe there is some guideline by npci that if there is no outgoing entry then a specific upi will be blocked. Not sure so asked.
I am planning to do the same and thinking of getting the sim reissued here as its is my name but I have a phone with a custom rom with no google play services. Does any upi app work without google play services? Sbi bhim doesn't and idfc banks app keep on saying that app is not installed from playstore.

 

[hender]

But both sbi and idfc kinda blocked these upis after xx years so I was hoping that maybe there is some guideline by npci that if there is no outgoing entry then a specific upi will be blocked. Not sure so asked.
I am planning to do the same and thinking of getting the sim reissued here as its is my name but I have a phone with a custom rom with no google play services. Does any upi app work without google play services? Sbi bhim doesn't and idfc banks app keep on saying that app is not installed from playstore.

I don't think so, custom ROM, eventually leads to not working especially for BHIM.

 

[hender]

How to setup account number and ifsc code for upi? Isn't that needed for imps,rtgs/neft?
I am trying to get the sim reissued here as its is my name but I have a phone with a custom rom with no google play services. Does any upi app work without google play services? Sbi bhim doesn't and idfc banks app keep on saying that app is not installed from playstore.

Under send to UPI ID/Ac option.

BHIM checks Play Store integration first.

Now a days autoread OTP also.

 

[tesla007]

I don't think so, custom ROM, eventually leads to not working especially for BHIM.

If ROM is stock but all google services and playstore are manually disabled then too no upi app will work?

 

[tesla007]

Under send to UPI ID/Ac option.

BHIM checks Play Store integration first.

Now a days autoread OTP also.

Sending money using ifsc code works. That error is displayed only if we try to send the money using the upi ids.
Both sbi and idfc kinda blocked these upis after xx years so I was hoping that maybe there is some guideline by npci that if there is no outgoing entry then a specific upi will be blocked. Not sure so asked.

 

[hender]

If ROM is stock but all google services and playstore are manually disabled then too no upi app will work?

Stock ROM is not a issue, but Custom ROM is.
I always prefer stock ROM phone, for better security and privacy , moreover control over phone.

 

[hender]

Sending money using ifsc code works. That error is displayed only if we try to send the money using the upi ids.
Both sbi and idfc kinda blocked these upis after xx years so I was hoping that maybe there is some guideline by npci that if there is no outgoing entry then a specific upi will be blocked. Not sure so asked.

When have doubt, Asking is always good.
I am learning and asking everyday.
Mark this as solution if it helps you.

 

[Kumar93196]

Everything is disabled it seems.
I am trying to get the sim reissued here as its is my name but I have a phone with a custom rom with no google play services. Does any upi app work without google play services? Sbi bhim doesn't and idfc banks app keep on saying that app is not installed from playstore.

Custom roms don't supports banking apps.

 

[tesla007]

Stock ROM is not a issue, but Custom ROM is.
I always prefer stock ROM phone, for better security and privacy , moreover control over phone.

I just checked, if one is using custom rom but google services are turned off then sbi bhim or idfc app doesn't work. Any upi app that can work here?
Stock roms are a privacy nightmare, switch to better secure one's.

 

[tesla007]

Custom roms don't supports banking apps.

Some does but these banking apps are regularly blocking them with every update.

 

[hender]

If ROM is stock but all google services and playstore are manually disabled then too no upi app will work?

I just checked, if one is using custom rom but google services are turned off then sbi bhim or idfc app doesn't work. Any upi app that can work here?
Stock roms are a privacy nightmare, switch to better secure one's.

1- You are sideloading app ?
2- how you are getting official app ?
3- Are you able to rewrite or can pack unpack complete banking program?

 

[hender]

Some does but these banking apps are regularly blocking them with every update.

That's the 👉 point, temporary success can't be future guarantee of running app smoothly. Doesn't matter you are alone capable.

Recently on Android 5,6,7 Google stopped YouTube Services.

Now all those phone running smoothly for everything else, for YouTube, have to switch to a new phone, or keep running youtube on browser kind of jugad.

 

[akiratoriyama]

For custom rom enthusiasts it's better to have two phones honestly. I really hate android safetynet/play integrity api.

 

[hender]

For custom rom enthusiasts it's better to have two phones honestly. I really hate android safetynet/play integrity api.

Hate it or like it, Options are less, that's the issue.

Ex- Bank of India, sometime back stopped running app on devices below Android 10, the phones on 6,7,8 otherwise running smoothly, what's the option for them.

1-Complaint RBI, Govt of India
2-Dont use App.
3-Buy Android 10+ Device.
Or

4- Go to higher in Himalaya and chant
"सब मोह माया है"