How to Track UPI Reference Number?

How to Track UPI Reference Number? You can use mobile payment apps like Paytm or Google Pay to track your UPI reference number. In Paytm, you can open the app and click on the Passbook icon on the home screen to view your transaction history. Similarly, in Google Pay, you can go to the Transaction History section and click on any transaction to see the reference number. The UPI reference number is a unique 12-digit address assigned to each user for transactions and can be found on the app interface. UPI transactions are secure, fast and free, making them a popular payment method in India.

Read on to know how to find your UPI reference number, how to track it and other details.

How to find UPI reference number?

Keeping track of the UPI reference number is very important, especially when dealing with large sums of money. Users can find the UPI reference number in the app interface depending on the payment aggregator.

Google Pay UPI reference number

Step 1: Open the Google Pay app and navigate to “Transaction History”
Step 2: Click on any transaction to check reference number.
Step 3: You will find the UPI Transaction ID which is a 9 digit number
Paytm UPI reference number
Step 1: Open Paytm and select Passbook option.
Step 2: Select the transaction list and select the specific transaction you need. With the required UPI reference number, you can track the respective transaction.

PhonePe UPI reference number

Step 1: Visit the PhonePe app and go to the “History” section.
Step 2: Click on any transaction and check the transfer details
Step 3: You will find the UTR number which is a 12 digit unique number

How to Track UPI Reference Number?

To track the UPI transaction reference number, users can get the details by selecting the required payment from the transaction list. After selecting the transaction, the user can find the reference number. If there is any uncertainty about the payment, the status can be checked with the bank or merchant.

Following are the steps to track your UPI reference number.

Step 1: Open any app of your choice like Paytm, Google Pay, PhonePe etc.
Step 2. If you are using Paytm, select the Passbook section and if you are using Phonpe or Google Pay, select the History section.
Step 3: Select the bank account you use for UPI payments, click on the transaction that requires a UPI reference number.
Step 4: Note the 12-digit UPI reference number.
Step 5: By following the above steps, you can easily track your UPI reference numbers whenever you need them.

What is UPI Link ID?

The UPI Link ID is a unique identifier assigned to each bank account that enables seamless transfer of funds from one account to another. This is a unique address assigned to each user, also known as a Virtual Payment Address (VPA). A UPI reference number is basically a 12-digit reference number that you can use to track your transactions and contact customer care if you have any queries regarding a UPI transaction.

How to Find UPI Link ID?

Users need to create a UPI link ID if they want to transact on the payment system. Depending on the type of payment aggregator, the UPI ID may look different. The UPI ID consists of two parts separated by “@”. For example, some apps may use the format: phone [email protected] name or [email protected] name.

Step 1: The first part consists of information about the user, such as name or phone number.
Step 2: The second part contains the details of the bank providing services for the UPI app. This part of the ID contains the full name or an abbreviation of the bank’s name, along with a prefix or suffix, if applicable.
Step 3: Users can find the UPI ID in a few simple steps – For apps like GooglePay, Phone Pe and BHIM, you can find the UPI link IP by clicking on the “Profile” option. Here you will find the bank account and the UPI ID associated with it. You can select BHIM UPI option from Paytm landing page to view your ID and Mobikwik from main page.

What is Reference ID Bank?

Link ID in the bank is a unique ID associated with all online and offline transactions. These reference IDs allow customers and banks to track financial transactions. When tracking transactions, just by providing this ID, you can get all the details of the transactions, which will make the tracking process easier.

There are also two types of links in the context of UPI. One of them is the UPI Link ID, which is your bank account identifier. The second is the UPI reference number which tracks the transaction between the two bank accounts.

How to send money through UPI?

UPI is very popular among users because of its ease of use. Once you have linked your bank account and created your UPI ID, you will be able to send and receive funds on the payment aggregation platform of your choice.

Why Everyone Uses UPI Link ID?

UPI ensures ease of transactions and accessibility. The important thing is that the payment system allows you to transfer funds safely. Also, UPI transactions are free, encouraging more users to go cashless. Users just need a UPI-linked bank account and a unique UPI ID.

UPI transactions can be done in seconds using a mobile phone and your reference ID. The payment aggregator app has access to all transaction data, including the UPI reference number, so users don’t have to depend on banks to retrieve transaction history on their behalf. In case of uncertainty regarding a transaction, users can file a complaint in the payment aggregator application or on the website.

UPI payments are not restricted by the structural restrictions of the bank or other financial institutions. Office hours and public holidays are not applicable for UPI transactions. Users can make payments from the comfort of their homes at any time of the day, provided they have sufficient funds in their linked bank account and UPI ID.

How to start using UPI?

If you are a new user, you need to create a UPI ID to get started and receive payments digitally.

Step 1: Download the required app, your mobile number. This number should also be linked to the bank account(s) you intend to use.
Step 2: Verify your phone number using a one-time email address sent via text message.
Step 3: Select the bank name from the list, set the UPI PIN if you are linking the bank for the first time. Your debit card details will be required for setup.
Step 4: Your bank account is now linked through UPI.

There are several ways you can send or receive money.

  1. Receiver mobile phone number
    One of the most popular ways to send money is to enter the merchant’s or recipient’s mobile phone number in the app. You can enter the number manually or select a contact from your phone book. After selecting this number, you can enter the amount followed by the UPI PIN created during account setup.
  2. UPI QR code
    You can also transfer funds by scanning the UPI QR code. This merchant-preferred payment method involves customers scanning a QR code in the payment application. The amount to be paid is then entered followed by the UPI PIN.
  3. UPI ID
    You can also send money by entering the recipient’s UPI ID in the payment app of your choice. Enter the unique UPI ID of the merchant/recipient and the amount to send. Do this using your UPI PIN and the transaction will be initiated.
  4. Bank details
    UPI payments also allow users to transfer funds using bank details. To initiate the payment, the recipient’s account number and IFSC code must be provided.

Unified Payments Interface (UPI) has changed the way people in India pay. It is a real-time payment system developed by the National Payments Corporation of India (NPCI) that allows users to instantly transfer funds from one bank account to another. UPI has become one of the most popular payment methods in India due to its convenience, security and ease of use. Users can make transactions 24×7 using UPI ID, mobile number or bank account number.

During a UPI transaction, a unique reference number is generated for each transaction which helps in tracking the status of the transaction. The reference number is a 12-digit unique identifier assigned to every UPI transaction and can be found on the UPI app’s transaction detail screen.

If you have lost your reference number, you can retrieve it by checking your transaction history in the UPI app. The transaction history will show all the details of the transaction, including the reference number. You can also check your bank statement to find the reference number for a specific transaction.

UPI has made digital payments easier and more accessible to people in India. This has helped promote cashless transactions and significantly reduced dependence on physical currency. UPI has also brought about a much-needed change in the financial landscape, enabling people to transact securely from the comfort of their homes.

The UPI (Unified Payments Interface) reference number is a unique identifier generated for every UPI transaction. You can use this reference number to track your UPI transaction status. Here’s how you can track your UPI reference number:

Open UPI App: Open the UPI app through which you have completed the transaction.
Go to transaction history: Find the transaction history option in the app and select the transaction whose UPI reference number you want to track.
Find Reference Number: After selecting a transaction, you should see the UPI reference number associated with that transaction.
Check Transaction Status: Once you find the reference number, you can use it to check the transaction status. You can do this by contacting your bank’s customer care or by checking your status using the UPI app.
Note that UPI reference numbers are usually alphanumeric codes of 12-15 characters in length. If you cannot find your UPI reference number in your transaction history, please contact your bank’s customer care for assistance.

Here are some additional tips and information that may be useful for tracking UPI reference numbers:
Save the reference number: When you make a UPI transaction, make sure to write down or save the reference number associated with it. This will help if you need to track the operation later.
Check your bank statement: If you can’t find the reference number in your transaction history or UPI app, you can also find it in your bank statement.
Be patient: UPI transaction status may take some time to update, especially if there is a delay from the end of the bank. It is advisable to wait a reasonable amount of time before attempting to follow the operation.
Check Details: Make sure you enter the correct UPI reference number before contacting the bank’s customer care or checking the transaction status using the UPI app. Check the number several times to make sure it is accurate.
Be Safe: Be careful when sharing your UPI reference number or any other sensitive information related to your UPI account. Do not share this information with people you do not trust.
By following these tips and using the correct reference number, you can easily track your UPI transaction status. If you have any problems or have further questions, you can always contact your bank’s customer service department for help.


In conclusion, UPI is one of the most popular digital payment methods in India. Moreover, UPI payments are already becoming commonplace for many people across the world due to its many advantages.

The fact that these payments are free and offer customer support in case of questions is one of the main reasons for the switch.
We hope this blog post has helped you better understand the various aspects of UPI reference number and understand how to verify a transaction through UPI reference number.

Source: NAVI

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