If you are facing Google Pay error codes, you are not alone. Many users in India experience transaction failures, bank linking issues, UPI errors, and verification problems while using Google Pay.
In this detailed guide, you will learn:
- Complete list of Google Pay error codes
- Meaning of each error
- Step-by-step solutions
- Why Google Pay transactions fail
- How to fix UPI payment errors instantly
This guide is SEO-optimized and user-focused to help you quickly solve your Google Pay problems.
What Are Google Pay Error Codes?
Google Pay error codes are system-generated messages that appear when:
- A transaction fails
- UPI verification is unsuccessful
- Bank server is down
- Incorrect UPI PIN is entered
- Network issues occur
These codes help identify the exact reason behind the failure.
Complete List of Google Pay Error Codes & Their Solutions
Below is the updated list of common Google Pay error codes:
XN, YC, B3, XY, U13, U28, AJ, UD1, U09, 91, IR, RN, TE, XR, ZS
Let’s understand each error in detail.
1. Google Pay Error Code XN
Reason:
Transaction declined due to bank server issue or insufficient balance.
How to Fix XN Error:
- Check your bank account balance.
- Wait for 10–15 minutes and retry.
- Check if your bank server is down.
- Restart your phone and reopen Google Pay.
- Switch mobile network (WiFi to mobile data or vice versa).
Pro Tip: Most XN errors are temporary bank-side issues.
2. Google Pay Error Code YC
Reason:
UPI PIN verification failed or incorrect PIN entered multiple times.
Solution:
- Enter correct UPI PIN carefully.
- If forgotten, reset UPI PIN.
- Ensure SIM linked to bank is active.
- Do not attempt too many times (may temporarily block UPI).
3. Google Pay Error Code B3
Reason:
Bank connectivity issue or UPI service unavailable.
How to Fix:
- Check internet connection.
- Update Google Pay app.
- Clear app cache.
- Wait if bank server is under maintenance.
4. Google Pay Error Code XY
Reason:
Transaction timed out due to network instability.
Fix:
- Ensure strong internet connection.
- Avoid switching apps during payment.
- Retry after 5 minutes.
- Check transaction status before retrying to avoid double payment.
5. Google Pay Error Code U13
Reason:
Daily transaction limit exceeded.
Solution:
- Check UPI daily limit (usually ₹1 lakh per day).
- Wait for 24 hours.
- Contact your bank for limit increase.
6. Google Pay Error Code U28
Reason:
Incorrect bank details or account linking issue.
How to Fix:
- Re-link your bank account.
- Ensure registered mobile number is active.
- Verify SMS permission is enabled.
- Update app if required.
7. Google Pay Error Code AJ
Reason:
Security restriction due to suspicious activity.
Fix:
- Avoid multiple rapid transactions.
- Contact Google Pay support.
- Verify your identity.
- Ensure device is not rooted.
8. Google Pay Error Code UD1
Reason:
Device verification failed.
Solution:
- Insert primary SIM in SIM slot 1.
- Enable SMS and phone permissions.
- Turn off VPN.
- Restart device and retry verification.
9. Google Pay Error Code U09
Reason:
Bank account temporarily blocked or UPI disabled.
How to Fix:
- Contact your bank customer care.
- Check if KYC is complete.
- Re-enable UPI services.
10. Google Pay Error Code 91
Reason:
The issuer bank is not responding.
Solution:
- Wait and retry later.
- Check bank server status.
- Try different payment method.
This error usually happens during peak hours.
11. Google Pay Error Code IR
Reason:
Invalid request or invalid beneficiary details.
Fix:
- Recheck UPI ID.
- Ensure the receiver’s UPI ID is active.
- Avoid copy-paste errors.
12. Google Pay Error Code RN
Reason:
Remitter bank network issue.
Solution:
- Retry after some time.
- Contact bank if repeated.
- Use an alternate bank account.
13. Google Pay Error Code TE
Reason:
Transaction expired or timed out.
How to Fix:
- Check transaction history.
- If pending, wait for reversal.
- Do not retry immediately.
Money usually auto-reverses within 24 hours.
14. Google Pay Error Code XR
Reason:
Technical error from UPI server.
Fix:
- Update Google Pay.
- Clear cache.
- Wait 15–30 minutes.
- Check NPCI or bank downtime.
15. Google Pay Error Code ZS
Reason:
Payment declined by recipient bank.
Solution:
- Confirm receiver account is active.
- Ask receiver to check bank status.
- Try again later.
Why Google Pay Transactions Fail?
Common reasons include:
- Poor internet connection
- Bank server down
- Exceeded UPI limit
- Wrong UPI PIN
- SMS permission disabled
- SIM not in primary slot
- Incomplete KYC
Understanding the cause helps solve issues faster.
General Troubleshooting Steps for Google Pay Errors
If you don’t know the exact error code, follow these steps:
- Check Internet Connection: Switch between WiFi and mobile data.
- Update Google Pay: Go to Play Store and update the app.
- Clear Cache: Settings → Apps → Google Pay → Storage → Clear Cache.
- Restart Phone: Simple but effective solution.
- Re-Link Bank Account: Remove and add bank account again.
- Check Bank Server Status: Most issues come from bank downtime.
How to Contact Google Pay Support?
If none of the solutions work:
- Open Google Pay app
- Go to Profile → Help & Feedback
- Select your issue
- Chat with support
You can also contact your bank directly for UPI-related errors.
People Also Ask (FAQs)
Why is Google Pay showing error code but money deducted?
Sometimes transaction status shows failed but money is debited. It usually auto-reverses within 24–48 hours. If not, contact your bank.
How to fix Google Pay UPI PIN error?
Reset your UPI PIN using debit card details and ensure your SIM is active.
What is Google Pay daily transaction limit?
UPI limit is generally ₹1,00,000 per day, but depends on bank policy.
Why does Google Pay show bank server down?
Banks may undergo maintenance or heavy load during peak hours.
How long does Google Pay refund take?
Refund usually takes 24–48 hours. In rare cases, up to 5 working days.
Conclusion:
Google Pay error codes may look confusing, but most issues are temporary and easy to fix. The key is:
- Stay calm
- Check network
- Verify bank balance
- Avoid repeated attempts
If errors persist, contact your bank immediately.
Quick Summary
| Error Code | Main Reason | Quick Fix |
| XN | Insufficient balance | Check balance |
| YC | Wrong UPI PIN | Reset PIN |
| B3 | Bank issue | Retry later |
| XY | Timeout | Check internet |
| U13 | Limit exceeded | Wait 24 hrs |
| U28 | Linking issue | Re-link bank |
| AJ | Security block | Contact support |
| UD1 | Device error | Enable permissions |
| U09 | Account blocked | Contact bank |
| 91 | Bank not responding | Retry later |
| IR | Invalid UPI ID | Recheck details |
| RN | Network issue | Retry |
| TE | Expired | Wait reversal |
| XR | Technical issue | Update app |
| ZS | Recipient declined | Confirm receiver |
Subhankar Sharma is an SEO specialist with over 9 years of experience in boosting organic traffic and online visibility through data-driven strategies. At DigiWhoop, he combines technical expertise with user-focused content to help readers make informed tech and product decisions.