Why does a UPI transaction fail with the error - “Payment was unsuccessful as your account does not pass the risk checks done by your bank”?

Problem Statement

You want to understand why does a upi transaction fail with the error - “payment was unsuccessful as your account does not pass the risk checks done by your bank”.

Solution

This error can appear even when the UPI payment method is valid and the payment gateway is functioning correctly. It is often related to restrictions set by the customer's bank.

UPI Max Transaction Limit

One of the most common causes is the UPI Max Transaction Limit imposed by banks for UPI mandate-based transactions. If the UPI Max Transaction Amount configured in Chargebee exceeds the maximum amount supported by the customer's bank, the transaction is rejected before reaching the payment gateway.

Example

Suppose Chargebee is configured to accept UPI payments up to ₹50,000, but the customer's bank only allows transactions up to ₹10,000. In this case, any transaction above ₹10,000 will be immediately declined by the bank.

How to Adjust the Setting

To minimize such errors, you can adjust the UPI Max Transaction Amount in Chargebee.

Go to Settings → Configure Chargebee → Payment Preferences and set a practical value based on your highest expected transaction. For example, if your highest plan is ₹5000/month, set the limit to ₹6000.