27 December, 2023

With millions of UPI transactions being performed every day, it is important to have an efficient system of tracking each transaction in case there is an error or delay in the processing of funds. To ensure security and easy tracing of each UPI transaction, the National Payment Corporation of India (NPCI) created the RRN number. Recent modifications in the structure of RRN number due to the influx of UPI transactions have also been made to avoid duplicity of these numbers. The RRN number is helpful in tracking each transaction. Learn everything you need to know about RRN in UPI here.

An overview of UPI

Unified Payment Interface (UPI) is a payment system launched by the NPCI for immediate money transfers with 24 x 7, 365 days availability. Instead of sharing account details, you will be sharing a virtual ID which is relatively secure. Since no card details are provided, your financial data is also relative secure.

What Is RRN in UPI?

Retrieval Reference Number (RRN) is a unique 12-digit number generated to record each transaction; it is generated by the initiating payment service provider (PSP) and can be used to identify a particular transaction.

Here is the RRN construct in detail—YDDDSSSSSSSS—where:

1. Y represents the year

2. DDD represents the Julian day

3. SSSSSSSS represents the System Trace Audit Number (STAN) number

*Julian day is the number of the day of a given year. For example, 6th February 2023 will be written as 037 in the RRN number as it the 37th day of the year 2023.

*STAN is a number generated by the bank to identify a transaction.

Significance of RRN Number

As mentioned earlier, the RRN number can help in checking the status of a UPI transaction. It plays an important role in resolving queries and tracking refunds, among other things. Additionally, keeping track of transactions is important for merchants that accept UPI payments as it can help them improvise their business plans and verify purchases made by customers.

In some cases, the payment can be debited from the payer’s account but not received by the payee. The RRN number can help with reporting a problem and tracking the money. For example, if your UPI ID was used to send money to someone in a deceitful manner, you will be required to share the RRN number with the concerned authorities to raise a formal request for investigating the matter.

Where Can You Find RRN Number of a Transaction on PayZapp?

By following the below-mentioned steps, you can view RRN number of a particular transaction in PayZapp:

1. Launch the PayZapp app and select the ‘Passbook’ option on the home screen.

2. Browse the list of transactions to find the particular one or filter them out using date, amount, payment type and other relevant details from the ‘Filters’ pop-up menu. You must select UPI as the payment type since RRN is available only for UPI transactions.

3. Click on a transaction tile.

The PayZapp transaction will include the RRN number of that transaction and other details like name of the beneficiary, transaction ID, and payment account.

PayZapp & UPI

PayZapp is an online payments app from HDFC Bank. Enabled for UPI, it allows you to send money and make bill payments and recharges via UPI and other payment instruments like bank cards and PayZapp wallet. All you have to do is link your bank account for faster payments. What’s more, you can make offline payments by scanning QR codes and completing the transaction using UPI. You can easily find the RRN number associated with a transaction done via PayZapp by following the steps mentioned above. Moreover, there is no need for the user to have an account with HDFC Bank in order to access PayZapp.

*Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances.