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?
“Clearly your mind is healthy,” she says—after telling OP to chase a three-day NPCI window that closed ages ago!
Let’s dissect the nonsense:
1. NPCI’s UPI Dispute Mechanism demands complaints be filed **within 3 days** of the failed transaction.
NPCI Guidelines 2. OP’s deposit problem hit Day 5 before any suggestion to use NPCI was even made. That’s too late the form is now a brick in a locked door.
3. Even if he somehow files, the “receiver” is a ghost vendor** with no KYC, no contact info, and zero compliance. There’s no one to “inquire” with.
So no, HolyDarkness, OP cannot “mark this as resolved” by walking to your magical NPCI portal. You literally instructed him to miss the window! That’s either wilful misguidance or gross ignorance.
OP, Thamizhan, do you mind to try to escalate the matter and get a refund through NPCI platform?
OP already tried—and **only after** Day 5. The only thing escalated was his own frustration and bank flagging him for laundering.
If anyone here needs a mental check, it’s you, HolyDarkness. Stop pretending NPCI is a backdoor when those ghost vendors never existed as real merchants. You’re not helping—**you’re enabling** a scam by sending victims on a wild goose chase.
— kingbj21 | Exposing the Stake fairy tales and the “healthy minds” behind it