You Can't Send Money on PhonePe for Security Reasons [Solved]

Getting errors like Your payment failed for security reasons or You can’t send money to this user on PhonePe for security reasons? We got you!

The main reasons why this happens include:

• Weak internet connection or outdated app.
• The Bank server is down due to maintenance or technical issues.
• You entered the wrong UPI PIN or have reached the daily UPI limit,

Here is what you can do to make the error go away:

How can I fix the PhonePe transaction failed due to security reasons issue?

First, make sure your internet is up and running, check your limits and funds, and restart the app. If you’re still getting a payment failed due to security reasons message, follow the steps below:

1. Update the app

Android

1. Locate the Google Play Store app from the home screen.
2. Click your profile and tap Manage apps & device.
3. Tap Update available.
4. Look for the PhonePe app and tap Update.

iOS

1. Locate the App Store app from the home screen.
2. Tap the profile icon.
3. Under Upcoming Automatic Updates, locate PhonePe, then tap Update.

2. Check your bank server status

Go to the official website of your bank or log in to mobile banking to check for alerts related to server downtime.

Also, check your messaging app or email inbox to ensure that you haven’t received any notifications about scheduled maintenance affecting transactions.

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3. Clear the app data

Android

1. Tap Settings from the home screen.
2. Tap Apps from the next screen.
3. On the next screen, tap App Management.
4. From the list of apps, locate and select PhonePe.
5. Tap Storage usage.
6. Now, tap Clear cache to clear the app cache, and check if the issue reappears.
7. If it does, repeat the steps and tap Clear data this time.
8. Tap Delete to confirm the action.

iOS

1. Go to Settings from the home screen.
2. Tap General.
3. Next, tap iPhone Storage.
4. Tap PhonePe.
5. Click Offload App.
6. Tap the Offload App option again to confirm the action.

Once you have cleared the cache and data, open the app. You need to sign in to the app again and try to do the transaction.

Clearing cache and app data can help you fix other app-related issues, such as error code U13 on Google Pay; read this guide to learn more.

4. Check the permissions for the app

Android

1. Tap Settings from the home screen.
2. Next, tap Apps.
3. Go to App Management.
4. From the list of apps, tap PhonePe.
5. Tap Permissions.
6. Ensure all the necessary permissions of the app are enabled.

iOS

1. Tap Settings from the home screen.
2. Scroll to the Apps section, locate and tap PhonePe.
3. Check all the permissions for the app and ensure each of the essential ones is enabled.

Next, ensure your card is working fine, and there is no such issue as the card can’t be verified, causing this error.

5. Verify account information

1. Open the PhonePe app and log in to your account.
2. Tap on the Profile Icon located in the top-left corner.
3. Select My Account and check the following:
   • Your mobile number (make sure it’s the same as the one linked to your bank account).
   • Your name (ensure it matches the name on your bank account).
   • Your email address (optional but should be updated).
4. Go to Bank Accounts and verify that your UPI PIN is correctly set. You may want to re-enter or reset your UPI PIN to resolve any issues.

6. Disable VPN or proxy

Android

For VPN:

1. Open Settings on your phone.
2. Go to Network & Internet.
3. Tap on VPN and toggle it off or select Forget VPN.

For proxy:

1. Open Settings > Wi-Fi.
2. Long-press on your connected Wi-Fi network and tap Modify Network.
3. Scroll down and check if a proxy is set. If yes, choose None or Manual.

iOS

For VPN:

1. Go to Settings > General > VPN & Device Management.
2. Toggle off any active VPN connections.

For proxy:

1. Go to Settings > Wi-Fi.
2. Tap on your connected Wi-Fi network, scroll to the bottom, and make sure HTTP Proxy is set to Off.

Proxies and VPNs can sometimes trigger security issues in apps like PhonePe. Certain VPN/Proxy IPs may be flagged. At the same time, accessing the app with an IP from a different country could also be problematic.

If none of the methods worked for you, we recommend you contact the PhonePe customer service team and explain the issue to them, & provide details of the fixes you tried for further assistance.

Summary

Sometimes, your payment channel may not accept your card because of incorrect card information. Therefore, consider adding your details again.

If you have any questions or suggestions about the subject, feel free to mention them in the comments section below.