Federal Bank upi down - Help

Transactions using payment services like Google Pay, PhonePe and Paytm are getting declined due to the UPI server being down Customers of

UPI services reportedly down across India; Google Pay, PhonePe and other apps unable to make payments server down at 19:50 @UPI_NPCI@NPCI_NPCI

phonepe wikipedia it's because their banking partner YES BANK had a break down and so they aren't able to tranfer money from their parent bank account

phonepe refer and earn details is exactly where PhonePe took the leap But the question arises HOW? So, for a large part of 2019 and 2020, only e-commerce companies like Flipkart, Amazon