Unified Payments Interface (UPI) services suffered a major disruption across India on Monday evening, marking the third outage in less than a month. Users of popular digital payment apps—such as PhonePe, Google Pay, and Paytm—reported failed transactions and significant delays in fund transfers.

Downdetector, a service that tracks real-time issues with online platforms, recorded a sharp spike in complaints beginning in the early evening. Over 500 reports were submitted, with 80% related to fund transfer failures, followed by app functionality issues (20%) and payment problems (2%).

Social media platforms were quickly flooded with user reports, screenshots, and complaints about failed payments and app crashes. Many users confirmed either prolonged delays or complete outages when attempting upi transactions. The hashtag #UPIdown trended as frustrated users shared their experiences—some venting, others injecting humor through memes and videos.

As of now, the National Payments Corporation of India (NPCI) has not issued an official statement on the cause of the disruption. However, the recurring nature of these outages has raised growing concerns about the reliability of UPI, a system that underpins a significant portion of India’s digital economy.