A UPI reference number is a 12-digit code assigned to each transaction made through the Unified Payments Interface (UPI) system. It is a unique identifier for a transaction that helps track its status and resolve any payment-related issues. The UPI reference number is generated for every transaction and is essential for tracking each transaction. It is recommended to keep a record of the UPI reference number for smooth and hassle-free transactions. The UPI reference number is a crucial piece of information that helps identify a specific payment and ensures the security and reliability of UPI transactions.

To find the UPI reference number for a transaction, one can follow these steps:

• Open the UPI app on your mobile device.
• Look for the ‘Transaction History’ or ‘Passbook’ option on the home screen and tap it.
• Choose the transaction you want to check the UPI reference number for.
• Once you have selected the transaction, note down the 12-digit UPI reference number.

The UPI reference number tracking process is easy and depends on the apps interface on the payment aggregator. If there is any ambiguity regarding the payment, one can contact the bank or the merchant regarding the status. The UPI reference number tracking process has several benefits for users, including the ability to track transactions, discover any discrepancies in a transaction, and rectify them quickly.