UPI error code · VPA / request
UPI error ZG: VPA restricted by the customer
The payer has blocked or restricted payments to this VPA, or the VPA is restricted for this credit type.
Apps may show it as: “restricted vpa”
- Who declined it
- Customer / PIN
- Type
- VPA / request
- Money debited?
- Usually no debit
- Refund
- No debit
Is money deducted on UPI error ZG?
Usually not: ZG is normally declined before the debit. Confirm with your bank SMS or passbook rather than the app tile.
How to fix UPI error ZG
Pay from another account/app, or remove the payee restriction in the UPI app if you set it.
Shopkeepers: is ZG a problem with my QR?
Rare on a shop QR unless a customer previously marked the VPA as spam.
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_NOT_ALLOWED; Zerodha. Apps word codes differently, so if your bank describes ZG 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)