UPI error code · Bank down
UPI error XY: Remitter CBS offline
The payer bank's core banking system is offline or unreachable from NPCI.
Apps may show it as: “cbs offline”, “bank down”
- Who declined it
- Payer's bank
- Type
- Bank down
- Money debited?
- Debit possible — check UTR
- Refund
- If debited: auto-reversal by T+1 / T+5
Is money deducted on UPI error XY?
Debit possible — check UTR. If debited: auto-reversal by T+1 / T+5. Copy the 12-digit UTR and do not pay the same bill again while it is pending.
If the bank SMS shows a debit but the payee was not paid, RBI requires auto-reversal by T+1 working day for transfers and T+5 for merchant payments, with ₹100 a day compensation after that. See the refund timelines.
How to fix UPI error XY
Wait for the bank to recover. Check NPCI/bank status. Use another account if urgent.
Shopkeepers: is XY a problem with my QR?
A wave of XY/Y1 on one bank is an outage, not a bad QR.
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; Decentro: REMITTER CBS OFFLINE. Apps word codes differently, so if your bank describes XY 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)