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Submit your complaint →A recent user observation reveals a potential UPI PIN mismatch issue in apps like Paytm and CRED when linking multiple bank accounts with different PIN lengths. Learn why this happens, which apps handle it correctly, and what steps consumers can take to stay safe.
Complaint / Observation Summary
| Complainant / Source | Anonymous User Insight |
|---|---|
| Topic | UPI PIN Length Validation Bug |
| Affected Apps | Paytm, CRED |
| Works Correctly On | PhonePe, Google Pay |
| Banks Involved | Union Bank of India (formerly Andhra Bank) and others |
| Issue Type | Technical / User Experience Bug |
| Date of Report | November 2025 |
| Status | Reported via public LinkedIn observation |
| Nature | Awareness Post, not a formal complaint |
Full Insight
A user recently noticed a curious issue while using multiple bank accounts with different UPI PIN lengths on payment apps like Paytm and CRED.
Here’s what they discovered:
- Bank A uses a 4-digit UPI PIN.
- Bank B uses a 6-digit UPI PIN.
- When both are linked to the same UPI app (for example, Paytm or CRED), the app sometimes still prompts only a 4-digit PIN even when the transaction is being made from the 6-digit PIN bank account.
As a result, the payment fails because the app does not dynamically detect the correct PIN rule based on the active bank account.
Apps That Handle It Correctly
✅ PhonePe and Google Pay These applications dynamically adjust the PIN input screen based on the selected bank, ensuring correct validation every time.
Apps Showing the Bug
⚠️ Paytm and CRED Some users have reported that these apps do not automatically switch PIN length when changing between bank accounts.
This issue seems to primarily affect users who were originally Andhra Bank account holders (now merged with Union Bank of India).
Why This Happens
The Unified Payments Interface (UPI) system allows each bank to define its own PIN length — either 4 or 6 digits.
When apps integrate multiple banks, they rely on APIs to fetch PIN configuration. If this integration or context switch isn’t coded properly, it can cause static PIN length assumptions.
While this may seem like a minor user experience (UX) glitch, it can have real-world payment implications, especially when users repeatedly enter incorrect PINs and get their UPI IDs temporarily blocked.
Consumer Impact
- Failed transactions due to PIN mismatch
- Risk of temporary UPI suspension after repeated failed attempts
- Confusion among users who think their PIN is incorrect
- Loss of trust in digital payment reliability
How to Stay Safe
- Always check your active bank name before entering your PIN.
- Do not retry more than twice if your PIN fails — wait and recheck your bank’s registered PIN length.
- Reinstall or update your UPI app to get the latest fixes.
- Test payments on trusted apps like Google Pay or PhonePe if the problem persists.
- Report issues directly to NPCI or your app’s support team.
Legal Case Can Be Filed
If a user suffers financial loss due to app-level technical negligence, the following legal options may apply:
- Deficiency in Digital Service
- Law: Consumer Protection Act, 2019
- Authority: District Consumer Forum
- Negligence in Data/Transaction Handling
- Law: IT Act, 2000
- Authority: Ministry of Electronics & IT / Cyber Crime Portal
- Banking System Miscommunication
- Law: RBI UPI Operational Guidelines
- Authority: Reserve Bank of India (RBI) / NPCI
How Choice4Voice.com Can Help
Choice4Voice.com serves as a public-interest and consumer-advocacy platform, highlighting digital payment issues that affect users across India.
For cases like this:
- We publish verified consumer insights to alert the public.
- We escalate recurring technical issues to the relevant digital payment authorities (NPCI / RBI).
- We assist users in drafting complaints to app support teams or ombudsman offices.
Frequently Asked Questions (FAQ)
1. Why does UPI have 4-digit and 6-digit PINs?
Different banks have their own configurations for UPI security both 4 and 6 digits are valid.
2. What happens if I enter the wrong UPI PIN multiple times?
Your UPI ID may be temporarily blocked for security reasons.
3. Can this bug cause money loss?
Usually not, but it may delay transactions or block accounts temporarily.
4. Which UPI apps are safest to use?
NPCI recommends apps like BHIM, Google Pay, and PhonePe for high reliability.
5. What should I do if my UPI PIN screen shows the wrong length?
Cancel the transaction and restart the app to reset the context.
6. Is this issue limited to Andhra or Union Bank users?
Mostly reported by them, but it can occur across other merged banks too.
7. How can I reset my UPI PIN?
Go to your app’s UPI settings → Reset PIN → Enter last 6 digits of debit card and expiry date.
8. Who regulates UPI systems in India?
NPCI (National Payments Corporation of India) under RBI oversight.
9. Can I complain if this causes payment failure?
Yes, through your bank, NPCI grievance portal, or consumer forum.
10. How can I verify my correct PIN length?
Use your bank’s official app or BHIM app to confirm.
11. Do merged banks face more UPI bugs?
Yes, due to backend migration issues between old and new bank systems.
12. Can UPI app bugs be reported publicly?
Yes, on NPCI’s https://www.npci.org.in portal.
13. How does Choice4Voice.com ensure privacy?
We mask personal data and publish only verified complaints or observations.
14. Are UPI bugs legally the bank’s fault or the app’s?
Depends — if it’s API-level, it’s the app; if it’s backend sync, it’s the bank.
15. How can developers avoid this issue?
By implementing dynamic PIN length fetching for each bank in their API logic.
16. What’s the best way to escalate app-level bugs?
Tag the brand’s verified support on LinkedIn or email the developer support ID.
17. What if my UPI PIN reset fails?
Try resetting via BHIM app — it often bypasses app-specific bugs.
18. Can this bug affect autopay or recurring payments?
Yes, if your app tries validating an old PIN format.
19. Is it safe to link multiple banks in one app?
Yes, but always verify PIN lengths after linking.
20. How does Choice4Voice.com contribute to digital consumer rights?
By amplifying verified cases, educating users, and encouraging better fintech accountability.
✅ If you’ve experienced similar UPI issues, submit your story at Choice4Voice.com to help make India’s digital payment system safer for everyone.
