How to Delete PhonePe Transaction History Permanently?

UPI payment apps are very common now-a-days. PhonePe is one such payment app that all of us use to make payments on a daily basis. When so many transactions are done through PhonePe, it is natural that you feel the urge to delete PhonePe transaction history to maintain privacy and protect your financial data. 

Read on to learn how to delete PhonePe transaction history, how to delete a particular transaction in PhonePe, and the RBI guidelines on PhonePe transaction deletion.

RBI Guidelines on PhonePe Transaction History Delete

While removing single transactions or your entire transaction history is helpful, various regulations by the Reserve Bank of India (RBI) restrict what you can delete. According to various RBI guidelines and Indian laws, users cannot delete their transaction history in payment apps like PhonePe.

There are a series of regulations that determine what payment apps cannot delete. This includes:

• Storage of Payment System Data: The first important regulation that prevents the deletion of user data is RBI's directive to store all transaction data of Indians in a system solely based in India. It not only prevents organisations from storing Indians' data overseas but also provides RBI with access to this data.
• AML and KYC Regulations: Digital payment platforms like PhonePe have to comply with both Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations. These regulations require payment platforms, aggregators and financial institutions to keep financial transaction data for a long time. 
• Audit and Compliance Requirements: Payment aggregators need to comply with various laws and regulations to continue their operations in the country. PhonePe needs to record transaction data and make it available to the authorities to maintain compliance.  
• Dispute Resolution: The payment platform needs to keep complete records of past transactions and expenses to resolve disputes between PhonePe users. 

For the above reasons, PhonePe does not allow you to delete your transaction history. However, if you want to know how to delete PhonePe transaction history permanently, check the alternative method provided below.

How to Delete PhonePe Transaction History in Mobile App?

While you don't have the option to delete specific transactions or your entire transaction history on PhonePe, you can, however, try the following alternative method:

Step 1: Open the PhonePe app.

Step 2: Go to the ‘History’ section available at the bottom of the screen.

Step 3: Click ‘Help’ (the question mark icon in the top right corner).

Step 4: Scroll down and click ‘Call Us’. 

Step 5: Briefly explain that you want to remove the transaction history due to privacy concerns. 

Step 6: The PhonePe support team will generally respond within 24 hours. They may ask you to confirm your request and verify certain account details. 

Step 7: Once the support team finishes verifying details, they will process your request and delete the history transaction.

How to Delete Particular Transaction in PhonePe?

Step 1: Open the PhonePe app.

Step 2: Go to the ‘History’ section available at the bottom of the screen.

Step 3: Click ‘Help’ (the question mark icon in the top right corner).

Step 4: Scroll down and click ‘Call Us’. 

Step 5: Briefly explain that you want to remove a particular transaction history due to privacy concerns. 

Step 6: The PhonePe support team will generally respond within 24 hours. They may ask you to confirm your request and verify certain account details. 

Step 7: Once the support team finishes verifying details, they will process your request and delete the history transaction.

How to Deactivate PhonePe Account to Delete Transaction History?

You can delete the PhonePe transaction history by deactivating your account. Here are the steps to delete PhonePe history by permanently deactivating your old account:

Step 1: Wait till you have received all pending refunds and closed all issues related to cancelled orders. 

Step 2: Use all reward coupons and wallet balances and unlink all of your bank accounts. Then, close your PhonePe wallet with a leftover balance of Rs. 1. 

Step 3: Open the PhonePe app and tap on ‘?’ on the home screen. 

Step 4: Click on ‘Profile & Payments’ followed by ‘My PhonePe Profile’ and ‘My PhonePe Account Details’. 

Step 5: Click on 'Deactivating PhonePe Account' and go through the rest of the instructions given there to deactivate your old account. 

Note that PhonePe may retain account and transaction details for some time, after which it will be deleted. 

Even though there may be transactions that you want to permanently delete from your PhonePe app, there is no provision to delete them directly. However, you can always call the PhonePe support team and request that they delete your transactions. You can even deactivate your PhonePe account to prevent anyone from accessing your data. 

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