Fix Your Money Has Not Been Debited on Google Pay

Google Pay is a widely-used digital payment platform that has simplified the way we handle online transactions. However, users sometimes encounter the frustrating error message – “Your money has not been debited” while making a payment.

Your money has not been debited on Google Pay

This error prevents you from sending the money to the recipient no matter how many times you retry. In this article, we will explore the common reasons behind this error and provide practical solutions to fix it. Without further ado, let’s get started!

Reasons behind the “Your money has not been debited” error on Google Pay

There are various reasons that can cause this error on Google Pay:

1. Your bank server is busy

Sometimes, the bank servers that handles your transactions might be too busy due to a lot of people using it at the same time. This might happen during peak hours or when there’s a technical issue.

Error message on Google Pay:

Your money has not been debited
Your payment is declined. Retry with a different payment method.

2. Recipient’s bank server is busy

Similar to the first reason, the bank of the person you’re sending money to might be facing the same issues. When lots of people are using their bank’s services simultaneously, the server can get too busy. You will get the following errror message in this case:

Your money has not been debited
Recipient’s bank server is busy. Retry with a different payment method.

3. Invalid UPI PIN

Your UPI PIN is like a secret code that ensures the security of your transactions. If you accidentally type in the wrong PIN 3 times, Google Pay won’t be able to debit your money and show you the following error message:

Your money has not been debited
You’ve entered an invalid PIN.
After 3 successful tries, you will need to reset your UPI PIN.
Retry or reset your PIN.

4. Bank limit exceeded

Bank limit exceeded “Your money has not been dedibted” - Google Pay screenshot

Google Pay has a transaction limit of ₹1 lakh per day. Apart from that, you are allowed to make only 10 payments in a day across all UPI apps. Some banks also set their own limit on how much money you can transfer. If you go over these limits, your transaction might fail and you will get the following error message:

Your money has not been debited
You’ve exceeded the bank limit for this payment. Retry with a smaller amount.

5. Insufficient funds in your bank

If there isn’t enough money in your bank account to cover the transaction, it won’t be completed. You need to check your account balance and add more money if needed before trying the transaction again. The following error appears on Google Pay when you have this insufficient funds issue:

Your money has not been debited
Your account has insufficient funds.
Check that you have enough money in your account or retry with a different payment method

Troubleshooting “Your money has not been debited” error on Google Pay

Now let’s discuss the solutions that can help you to fix this error on Google Pay.

1. Retry again later

If the problem is due to a busy bank server, just wait a bit and try the transaction again later. During peak times, the bank’s servers might experience delays or encounter technical issues due to the large volume of transactions being processed. There is nothing you can do in such a case.

2. Add multiple UPI IDs on your Google Pay

If retrying doesn’t work, consider changing your UPI ID. This can act like a fresh start for the transaction and might help it go through without any issues. Here’s how you can add a new UPI ID to your bank account on Google Pay:

  1. Open the Google Pay app on your smartphone.
  2. Tap on your profile picture in the upper-right corner.
    Tap profile picture in Google Pay
  3. Tap on “Bank account” option.
    Tap Bank account option
  4. On the Payment methods page, select the bank account with which you are having issues with the payment.
    Select bank account
  5. Next, tap on “Manage UPI IDs” option.
    Tap Manage UPI IDs
  6. Here you will see various suggestions for your UPI IDs. Tap the + (plus) icon next to the UPI ID you want to activate.
    Create multiple UPI IDs
  7. Now you will be asked to verify your phone number with bank. Make sure that you’ve the SIM of your phone number inserted on your device. Tap on “Continue” and then verify it via SMS.
    Verify phone number with bank
  8. Once the verification is done, you will be assigned a new UPI ID from a different bank.

Please note that you can have multiple UPI IDs active on your bank account. The more UPI IDs you have, the more will be the payment success rate. You should activate all the UPI IDs suggested to you by the Google Pay. After that, try to make the payment again and hopefully you won’t get the “Your money has not been debited” error.

3. Retry with a smaller amount

If the problem is related to transaction limits, lowering the amount you’re trying to send could be a smart move. Try with a smaller sum and check if the transaction is successful.

4. Retry with a different payment method

If you linked multiple bank accounts to your Google Pay, try using a different one to see if the transaction succeeds. Switching to another payment method can be effective in bypassing the “Your money has not been debited” error associated with the current method.

  1. Open the Google Pay app on your smartphone.
  2. Scan the QR code, select the recipient from your contacts or choose ” Pay phone number” option.
  3. Tap on “Pay” button and enter the amount you want to pay.
  4. Under the “Choose account to pay” section, tap on your current bank account. This will be one that you have set as primary account on your Google Pay.
  5. Select a different payment method you want to use.
  6. Tap on “Pay ₹xxx” button and complete the payment by entering your UPI PIN.

Tip: You can also try removing your bank account on Google Pay and then re-adding it again.

5. Use a different UPI app

If none of the above solutions work, consider using a different UPI app such as Paytm or PhonePe for your transaction. This way, you can check if the issue is specific to Google Pay or if it’s a more general problem.

Frequently asked questions

Why is my money not debited in GPay?

There could be various reasons why your money is not debited on Google Pay. Some common issues include a busy bank server, incorrect UPI PIN, exceeding transaction limits, or insufficient funds in your bank account. If any of these factors are present, the transaction may fail, and you’ll see an error message indicating that your money has not been debited.

What does it mean when a bank server is down on Google Pay?

When a bank server is down on Google Pay, it means that the server responsible for handling transactions is experiencing issues. This can occur during peak hours or due to technical problems. If the recipient’s or your bank’s server is busy or facing technical difficulties, Google Pay may be unable to complete the transaction, resulting in the error message, “Your money has not been debited“.

Will I receive a refund for a failed UPI payment on Google Pay?

Yes, if your UPI payment has failed on Google Pay, any amount deducted will be refunded to your account. The refund process is typically automatic, and you should see the funds back in your account within 3-5 business days. You can check the transaction details for more information on this.


Encountering the “Your money has not been debited” error on Google Pay can be frustrating, but it’s often due to common issues like bank server problem, incorrect UPI PIN, or exceeded transaction limits. By understanding these common reasons and trying out our solutions, you can easily troubleshoot and resolve this error on Google Pay. Let us know in the comments below if you still have any doubts in your mind.

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About the author

Vivek Chaudhary Author
Tech writer & founder @Geek Instructor • Vivek Chaudhary is an experienced tech blogger who has been writing about technology for more than ten years. He's written over 1500 articles covering various tech topics. Vivek is passionate about sharing his expertise to help others. Beyond the digital realm, he enjoys traveling and creating videos on YouTube.

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