UPI error code · PIN & auth
UPI error ZM: Incorrect UPI PIN (MPIN)
The 4- or 6-digit UPI PIN did not match bank records. This is the PIN error — not U14.
Apps may show it as: “wrong pin”, “incorrect pin”, “mpin”, “invalid mpin”, “upi pin”
- Who declined it
- Customer / PIN
- Type
- PIN & auth
- Money debited?
- Usually no debit
- Refund
- No debit
Is money deducted on UPI error ZM?
Usually not: ZM is normally declined before the debit. Confirm with your bank SMS or passbook rather than the app tile.
How to fix UPI error ZM
Re-enter the PIN carefully. After repeated failures the bank will lock UPI (see Z6). Reset PIN from the app using debit-card + OTP if needed.
Shopkeepers: is ZM a problem with my QR?
Never offer to “enter PIN for the customer”.
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: INVALID_MPIN; Zerodha; Decentro. Apps word codes differently, so if your bank describes ZM 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)