PhonePe is one of India’s most widely used UPI payment, recharge, and business transaction platforms. Because it handles millions of payments daily, issues like failed transactions, pending refunds, merchant settlement delays, and business KYC problems do occur. In 2025, Phonepe crosses 600 Million Registered Users.
In my personal experience and from thousands of user reports, PhonePe responds fastest through the in-app Help section, followed by email escalation. Their customer care number exists, but direct calling is not always available unless PhonePe initiates the call regarding your ticket.
This guide offers official contact details, correct escalation steps, and professional sample emails to help you resolve your issue smoothly.
Official PhonePe Customer Care Contact Details
If you need to contact PhonePe customer care, let’s learn about all the possible communication ways.
PhonePe Customer Care Number (Official)
PhonePe does provide a helpline:
080-68727374
022-68727374
This is for:
- UPI issues
- Failed payments
- Money not credited
- Refund delays
- Unauthorized transactions
Important:
When you call, PhonePe rarely connects you directly to a human agent. The system usually verifies your registered number and directs you to resolve issues within the PhonePe app.
PhonePe Customer Support Email
PhonePe’s official support email:
Email: support@phonepe.com
(For refund, payment, KYC, account issues, bank-related problems)
For PhonePe Business (Merchant Support)
If you run a shop, online store, or use PhonePe QR for business:
- 080-6872-7777 / 022-6872-7777
- Dashboard Help: https://business.phonepe.com (use Raise a Ticket)
Best for:
- Settlement delays
- Merchant onboarding problems
- KYC failure
- Payment captured but not received
- QR code issues
Fastest Method (Recommended): In-App Support
Open PhonePe → Profile → Help → Select Issue → Submit Ticket
This method usually solves problems in less than 24–48 hours.
Common Problems Users Face in PhonePe
These sample templates will cover all of these:
- Refund pending after failed payment
- Money debited but not credited
- UPI transfer stuck/reversed
- Merchant payment not received
- Business settlement delay
- Wrong UPI ID transaction
- Unauthorized transactions
- KYC or account verification issues
Sample Emails to PhonePe Customer Care
If you don’t know how to write an email, then use these ready templates to email PhonePe. You only need to replace your details.
Refund Pending / Money Debited but Payment Failed
Subject: Urgent: Refund Pending for Failed Transaction (UPI Ref No: XXXXX)
Dear PhonePe Support Team,
My name is____ , and my registered PhonePe mobile number is____ .
I made a transaction of Rs___.
The amount was debited from my bank account, but the transaction failed, and the money has not been refunded yet.
Details:
- UPI Transaction ID:
- Bank Reference Number:
- Date & Time:
- Amount: Rs.
- Bank:
Please check the status and initiate the refund at the earliest.
I have attached the bank debit screenshot for your reference.
Regards,
Send To: support@phonepe.com
UPI Transfer Successful, but the Receiver Didn’t Get the Money
Subject: UPI Transaction Successful but Not Credited to Beneficiary
Hello PhonePe Team,
This is regarding a UPI transfer of Rs___ made on.
The amount was successfully deducted from my account, but the receiver has not received it.
Details:
- Sender UPI ID:
- Receiver UPI ID:
- Transaction ID:
- Amount:
Please investigate this transaction and credit the amount to the receiver or reverse it to my bank account.
Thanks & Regards,
Send To: support@phonepe.com
Unauthorized Transaction / Fraud Complaint
Subject: URGENT: Unauthorized Transaction on My PhonePe Account
To the PhonePe Support Team,
I noticed an unauthorised transaction on my PhonePe account.
Details:
- Date:
- Amount: Rs.
- Transaction ID:
I did not approve, authorise, or initiate this payment.
Please immediately freeze the transaction, start an investigation, and secure my account.
Kindly guide me on the next steps.
Regards,
Mobile:
Also call immediately: 080-68727374 / 022-68727374
PhonePe Business – Settlement Not Received
Subject: Payment Settlement Pending (Merchant ID: XXXXX)
Dear PhonePe Business Support Team,
I am a PhonePe merchant and have not received a settlement for transactions dated <Date>.
Details:
Merchant ID:
Business Name:
Amount Pending:
Payment Date:
This delay is affecting my business operations.
Please resolve this at the earliest and update me on the settlement status.
Regards,
Your Name:
Mobile:
Wrong UPI ID Transfer Complaint
Subject: Wrong UPI Transfer – Request for Recovery
Dear PhonePe Support,
I mistakenly transferred Rs. to the wrong UPI ID on____ .
The receiver is unknown to me.
Please help initiate a reversal request as per NPCI guidelines and notify the receiver’s bank.
Transaction ID:
Amount: Rs.
Please guide me through the recovery process.
Thank you,
Send To: support@phonepe.com
Expert Tips (Based on Real User Experience)
Attach screenshots for faster resolution. PhonePe prioritises support tickets with proper documentation.
Keep the transaction ID & bank reference number ready
These two are essential for refunds.
Use the same registered phone number
PhonePe verifies complaints by number-based identity.
For fraud or unauthorised payments → act fast
Raise a ticket
- Call helpline
Bank delays can take 3–5 working days
PhonePe follows NPCI timelines.
Final Words
PhonePe provides professional support, but only when the right channels are used. For small issues, the in-app Help section is the fastest. For unresolved or serious issues, always use email escalation + phone helpline.
