UPI error code · PIN & auth
UPI error AM: UPI PIN not set
The customer has not created a UPI PIN on this account/device.
Apps may show it as: “pin not set”, “mpin not set”
- Who declined it
- Customer / PIN
- Type
- PIN & auth
- Money debited?
- Usually no debit
- Refund
- No debit
Is money deducted on UPI error AM?
Usually not: AM is normally declined before the debit. Confirm with your bank SMS or passbook rather than the app tile.
How to fix UPI error AM
Set UPI PIN in the app (debit card + OTP, or the bank's documented method), then retry.
Shopkeepers: is AM a problem with my QR?
First-time UPI users hit this at the counter. Give them a minute.
Never release goods on a green screenshot alone. Match the UTR in your bank SMS, ledger or soundbox.
If it keeps failing
- Open the failed payment in the app and copy the 12-digit UTR.
- Use Raise issue or Check status in the app first.
- Then call your bank with the UTR, amount and time. NPCI's UPI helpdesk is 1800-120-1740.
- After 30 days without a fix, complain on the RBI ombudsman portal, cms.rbi.org.in.
Related error codes
Last reviewed 26 August 2026. Meaning based on: PhonePe PG: MPIN_NOT_SET; Zerodha. Apps word codes differently, so if your bank describes AM another way, trust the bank and keep the UTR.
Sources: PhonePe Payment Gateway error codes · Zerodha NPCI UPI reason codes · RBI TAT for failed UPI (DPSS.CO.PD No.629/02.01.014/2019-20)