UPI error code · Account status
UPI error ZY: Beneficiary account inactive or dormant
The payee settlement account is dormant, so credits are refused.
Apps may show it as: “payee dormant”
- Who declined it
- Payee's bank
- Type
- Account status
- Money debited?
- Usually no debit
- Refund
- No credit
Is money deducted on UPI error ZY?
Usually not: ZY is normally declined before the debit. Confirm with your bank SMS or passbook rather than the app tile.
How to fix UPI error ZY
Merchant must reactivate the current/savings account used for UPI settlement.
Shopkeepers: is ZY a problem with my QR?
Take the QR down. Incoming UPI will keep failing until the bank marks the account active.
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: Decentro. Apps word codes differently, so if your bank describes ZY 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)