I meant to say that this support claim for reimbursable will work only when both the parties acknowledges it, I don't mean this will work for this but I said how it helped me in such scenario. Let's say I made a transfer to wrong UPI so I have the possibility to contact the receiver via bank and confront them whether this is an actual mistake or not. And it is hard to come into judgment unless the receives accepts that yes it's not the fund that is supposed to be credited here so the bank will reverse this.
Hi, do you mind to help me understand this and walk with me to the bottom of the case so I can either mark this as resolved or help OP plot their way to get their refund? You seemed to have quite a knowledge on how India's UPI works and clearly your mind is healthy. I understand that the correct way to get a refund is through the platform I mentioned above, of which later the bank [be it the UPI, PSP, or TPAP] will inquire to the receiver and sort things out?