Since 2016, digital payments have become incredibly popular in India, and their popularity can be greatly influenced by the Unified Payments Interface (UPI). If you’re someone who shops regularly or is responsible for paying bills, you’ve probably already most likely used UPI. It has made it very easy to send and receive money directly from one bank account to another using smartphones. There are many UPI-enabled payment apps that are used; some of the most popular ones are Google Pay, PhonePe, and Paytm. These apps also help in managing your finances because you can easily track transactions.
If you use UPI often you can use your transaction history for many things like to keep track of your spending, check for unauthorized transactions, or simply organize your financial records. Understanding how to check and manage your UPI payment history can be very useful.
Why You Should Regularly Check Your UPI Transaction History
While UPI apps have made it easier to manage our finances, it is still important to be vigilant in understanding how and where you are spending your money. Now there are many reasons that you might want to check your UPI transaction history, but here are some common ones:
- Budgeting and financial planning: Tracking your UPI transaction history helps you understand your spending patterns—this can help you in your yearly or monthly budgeting. You can make sure that you are not overspending, and it can also help you save a bit better.
- Security: If you are someone who uses UPI more than you do your cash, checking your transaction history will allow you to notice any transactions that you did not authorise. If you do notice any transaction that you are unfamiliar with, you can report it to the payment app provider.
- Tax and accounting: If you are someone who is consistently tracking business or personal expenses, UPI transaction history becomes an important document for accounting purposes. This could be for things such as personal savings or business expenditure. Keeping accurate records of all transactions will help during income tax season and prevent any errors in financial reports.
- Refunds and disputes: There are times when transactions don’t always go as planned, such as you might have paid for a service, but the transaction might not be processed correctly, or a refund might be delayed. Your UPI transaction history will help with these problems because you can contact customer support and provide transaction details like the payment amount, time, and recipient information.
- Subscriptions: Many use UPI to pay recurring bills such as subscription-based content like Netflix, utilities like water and electricity, and online memberships. Keeping track of your transaction history helps you identify recurring payments that you may have forgotten about, giving you the opportunity to manage subscriptions and avoid unnecessary charges.
How To Check Your Transaction History On Common UPI Apps
- Google Pay
Google Pay is one of India’s most popular payment apps, and it has many different services, such as sending money, paying bills, and buying items. The app also allows you to save your transaction history by using the download button—it will download a PDF or CSV file, which you can keep for your records.
- Open the Google Play app on your mobile phone.
- Tap on the profile icon in the top-right corner of the app’s home screen.
- From the profile menu, select Payments to see a list of your recent transactions.
- You’ll be able to see the details of each transaction—such as the recipient, amount, and date. To see more details about a specific transaction, tap on it.
- You can also filter transactions by date or search for a specific transaction by entering keywords or the recipient’s name in the search bar.
- Phone Pe
PhonePe is often used because of its user-friendly interface and additional features like bill payments and recharges. It also lets you download transaction details in PDF format.
- Open the PhonePe app on your smartphone.
- At the bottom of the screen, you’ll find the History option. Tap on it.
- This section will display a list of all your recent transactions, including UPI payments, bill payments, recharges, etc.
- Tap any transaction for further details such as the amount, time, recipient, and payment method used.
- Use the Filter option to sort your transactions by date, recipient, or amount, making it easier to locate specific transactions.
- Paytm
Paytm is one of the oldest and most trusted platforms in India for both UPI and wallet-based transactions. Paytm also allows you to download your transaction history as a PDF, which can be helpful for tax purposes or financial tracking.
- Open the Paytm app on your device.
- Tap the Passbook icon at the bottom of the screen.
- Here you’ll see a breakdown of your transactions across various categories like payments, transfers, recharges, and bill payments.
- Tap any transaction to see detailed information, including the recipient, amount, and date.
- You can filter your transactions by dates and amounts or use the search bar to locate specific transactions.
- Amazon Pay
Amazon Pay is one of the newest members in the UPI payment space, but it has grown in popularity because of its association with Amazon. Amazon Pay also allows for downloading transaction data for record-keeping purposes.
- Open the Amazon Pay app or go to the Amazon Pay section in the Amazon app.
- Tap on the Transactions tab to see all recent transactions.
- You’ll be able to see your UPI payments, bill payments, mobile recharges, etc. Tap any specific transaction to see detailed information about it.
- Use the Filter option to sort transactions by date, recipient, or transaction type.
Best Practices for Managing Your UPI Transactions
- Regular monitoring: Try to make it a habit to consistently check your transaction history; once a week works best. This will not only help you keep track of your finances but will also allow you to spot any discrepancies early.
- Keep notifications on: UPI apps have an option to set up notifications for every UPI transaction—this is great as it is tracking real-time payments and monitoring for unauthorized transactions.
- Keep track of small payments: Sometimes, small amounts (like online recharges or bill payments) can be unnoticeable—always review your history regularly to avoid any missed payments or recurring charges you may have forgotten about.
- Download and back up records: After every month, download your transaction history and keep it saved securely on your computer or cloud. This will serve as proof of transactions and can be helpful for future reference or tax filing.
Using UPI for everyday payments has really become a common part of life in India—it’s fast, easy, secure, and is accepted by almost all vendors and merchants. But, it’s important for you to always check your transaction history for many reasons, but prioritizing the prevention of fraud and keeping accurate financial records is the most important.
FAQ’s
How many months of UPI transaction history can I see at once?
That depends on the app you decide to use, however, most UPI apps let you see your UPI transaction history for up to 6 months. But some apps, like Paytm, for example, also let you see transactions from years ago. This is why it is a good idea to consistently download your transaction history and save it for your records.
Can I see my UPI transaction history on my laptop or computer?
Yes, many UPI apps allow you to see your account and its details on a computer or laptop. For example, Google Pay, Paytm, and PhonePe all have web-based versions where you can log in and check your transaction history. If you are having some trouble doing this, you can also visit the app’s official website and log in with your phone number or linked account details to check your history.
What should I do if I find an unauthorized transaction in my UPI history?
If you notice any unauthorized transaction in your UPI history, immediately contact the customer support team of the app that you are using. UPI apps have a dispute resolution process that allows you to report any suspicious activity. To be on the safe side, you can also block your bank account temporarily or change your UPI PIN for added security while the issue is investigated.
How do I search for a specific transaction in my UPI transaction history?
Most UPI apps provide a search option that allows you to search for specific transactions by entering keywords, transaction amounts, or the recipient’s name. This makes it easy to quickly find a transaction, especially when you have a large number of them.
What if my transaction history is missing or not showing up correctly?
If your transaction history is missing or not updating correctly, it could be due to a technical issue with the app or your linked bank account. Try restarting the app, checking for updates, or logging in again. If the problem persists, reach out to customer support for assistance.