影片說明
In this video, we break down the complete journey of a UPI transaction using Paytm from the moment you hit “Pay” to what happens when a transaction fails, is pending, or gets stuck.
You’ll understand:
* Why UPI payments sometimes show Pending or Failed
* Where your money goes after being debited
* What role NPCI plays in every transaction
* What “deemed transactions” mean
* Why refunds sometimes take minutes… and sometimes up to 5 days
* What T+5 days (as per Reserve Bank of India guidelines) actually means
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