UPI error code · Limits
UPI error ZU: Daily UPI amount limit exceeded
The remitter has exhausted the daily UPI amount cap (bank and NPCI default is typically ₹1,00,000 for consumer VPAs).
Apps may show it as: “daily limit”, “1 lakh”, “100000”, “limit exceeded”
- Who declined it
- Payer's bank
- Type
- Limits
- Money debited?
- Usually no debit
- Refund
- No debit
Is money deducted on UPI error ZU?
Usually not: ZU is normally declined before the debit. Confirm with your bank SMS or passbook rather than the app tile.
How to fix UPI error ZU
Use another bank account, wait for the daily reset, or for eligible merchant categories use a verified merchant VPA with a higher P2M cap.
Shopkeepers: is ZU a problem with my QR?
Incoming P2M on a merchant VPA is not the same cap as a customer's outbound P2P limit.
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_LIMIT_BREACHED; Decentro. Apps word codes differently, so if your bank describes ZU 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)