Disputes happen even in clean trading. Either side can mis-time, miscommunicate, or genuinely disagree. The system to resolve them works — but only if you use it correctly.
When to raise a dispute
Raise it as soon as the trade clearly isn't completing normally. If the merchant hasn't released within 5-10 minutes after you've paid (and posted UTR), and isn't responding in chat, raise.
If the buyer hasn't paid within the 15-minute window, the trade auto-cancels — no dispute needed.
What evidence to provide
UPI receipt screenshot showing UTR, amount, recipient UPI ID, and timestamp.
Bank statement or app screenshot showing the credit on your side or the debit confirmation.
All chat history with the counterparty (auto-saved by the platform).
Your name + KYC name match: clear evidence the originating account belongs to you, not a third party.
What not to do
Don't communicate off-platform. WhatsApp/Telegram chats with the counterparty are not admissible to compliance.
Don't accept settlement off-platform. 'Send me UPI back, I'll cancel the trade' — refuse, only resolve through platform.
Don't lose your temper in chat. Compliance reads chat tone; rage-typed users sometimes lose decisions they should win.
Key takeaways
- Raise dispute in-platform as soon as a trade stalls past normal time.
- Provide UTR + bank credit + KYC-name match.
- Never communicate or settle off-platform.
- Stay neutral and factual in chat — compliance reads tone.
