UPI error code · VPA / request
UPI error ZA: Customer declined or cancelled
The payer cancelled the payment on the PIN/confirm screen, or the collect was rejected.
Apps may show it as: “cancelled”, “declined by customer”, “user cancelled”
- Who declined it
- Customer / PIN
- Type
- VPA / request
- Money debited?
- Usually no debit
- Refund
- No debit
Is money deducted on UPI error ZA?
Usually not: ZA is normally declined before the debit. Confirm with your bank SMS or passbook rather than the app tile.
How to fix UPI error ZA
Ask the customer to scan again only if they still intend to pay.
Shopkeepers: is ZA a problem with my QR?
Not a QR defect. Confirm they meant to cancel before arguing about the bill.
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: TXN_CANCELLED; Zerodha; Decentro. Apps word codes differently, so if your bank describes ZA 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)