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My transaction is showing "Pending". The amount has been debited and not credited. Is there a problem?

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Your transaction is successful, but due to some issue at the beneficiary bank end, there is a delay. The amount will reach him/her in 48 hours, once the bank is done with its daily settlements.

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I have paid for my transaction but not received anything. Why is that? How can I view my transaction history? Does a customer need to register before remitting funds using UPI? Does the customer need to register a beneficiary before transferring funds through UPI? What details of beneficiary will be required?