UPI error code · VPA / request
UPI error ZE: Transaction not permitted to this VPA by the PSP
The payer's PSP will not allow this credit to the destination VPA (policy, product, or MCC restriction).
Apps may show it as: “not permitted to vpa”
- Who declined it
- UPI app / PSP
- Type
- VPA / request
- Money debited?
- Usually no debit
- Refund
- No debit
Is money deducted on UPI error ZE?
Usually not: ZE is normally declined before the debit. Confirm with your bank SMS or passbook rather than the app tile.
How to fix UPI error ZE
Try another UPI app or another destination VPA on the same account.
Shopkeepers: is ZE a problem with my QR?
If every customer fails, the merchant VPA may be restricted — contact the PSP that issued it.
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: Zerodha: Transaction Not Permitted To VPA by the PSP. Apps word codes differently, so if your bank describes ZE 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)