Banks — Getting YC error while doing payment by UPI (HDFC bank)

I am not able to send money by UPI. Every time I try to send money but it shows YC error code or Payment declined by bank in Google Pay and Paytm applications.

I already raised complaint two times to my HDFC Bank relationship manager and Bank branch executives, but I am not getting any resolution till yet.

I am really frustrated. Please resolved my issue.