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BHIM Axis Pay UPI App
BHIM Axis Pay UPI App
The BHIM Axis Pay UPI (Unified Payment Interface) App is an easy to use app with which you can link any bank account to your UPI ID and send or receive payments instantly and securely. Be it your mobile recharge, monthly payments to utilities and staples or your child’s tuition fees, Axis Pay ensures that payments are simple and secure.
About BHIM Axis Pay UPI App
Unified Payments Interface (UPI) is a platform provided by the National Payments Corporation of India (NPCI) to facilitate inter-operability amongst various banks. It’s a one-stop solution for multiple bank accounts. It allows all account holders to send and receive money using their smartphones a single identifier – virtual payments address (VPA) commonly known as UPI ID – without entering any bank account information. Therefore, customers do not need to know the payee's or payer’s IFS code, bank account details, etc. and this makes the process simpler. So customers can make faster payments to their peers and merchants.
The bank offers UPI services for customers (peer–to peer and peer-to-merchant payments) through various platforms, including:
BHIM Axis Pay
Mobile Banking App, 'open'
Freecharge
Other Partners
Apart from the above, the Bank has also partnered with the following TPAPs (Third Party App Providers) to offer UPI services on their platform:
- Amazon Pay
- CRED
- Google Pay
- Jupiter
- Kiwi
- Navi
- Samsung Pay
- PhonePe
- Paytm
- Flipkart
- Bajaj Finserv
- KreditBee
A Step-by-Step Guide for Axis PAY App
How to use the AXIS PAY App?
- 01
Download the BHIM AXIS PAY UPI App from Google Play Store or Apple Store.
- 02
Verify your mobile number by selecting mobile number registered with your bank.
- 03
Select your Bank and Bank account.
- 04
Set a Virtual Payment Address ( VPA)/ UPI ID (example – name@axisbank) for the selected bank account.
- 05
Set UPI PIN for the account using your Debit Card credentials and OTP. Use this PIN for sending money to other VPA/ UPI ID’s.
- 06
Send & receive secure payments instantly.
- 07
Recharge your prepaid mobile & DTH through BHIM AXIS PAY.
How to avail an Instant Neo Credit Card on Axis Pay?
Steps to avail Instant Credit Card:
- 01
Download Axis Pay app from Google Play Store.
- 02
Link your Axis Bank account -> Click on the Side menu of the app to apply for Instant Neo Credit Card.
How to avail 24x7 Loans on BHIM Axis Pay?
Download Axis Pay app from Google Play Store
- 01
Link your Axis Bank account.
- 02
Click on the Side menu of the app to apply for a Personal Loan under the 24x7 Loans section.
How to apply for a Zero Balance Axis A/C?
- 01
Download Axis Pay app from Google Play Store.
- 02
Open an Axis bank account through the side menu of the BHIM Axis Pay.
For more offers on UPI, please click here
How to use BHIM Axis Pay UPI
After downloading Axis Pay, selecting your preferred bank and creating a VPA/ UPI ID:
Simply verify the account, And set your PIN. Having followed these steps, you can start sending and receiving funds. No matter which bank you bank with, you can make and receive secure payments instantly using just your UPI ID!
A Step-by-Step Guide for BHIM Axis Pay UPI App
How to register on the BHIM AXIS PAY UPI?
- 01
Download the BHIM AXIS PAY UPI App from Google Play Store or Apple Store
- 02
Verify your mobile number by selecting mobile number registered with your bank.
- 03
Select your Bank and Bank account.
- 04
Set a Virtual Payment Address ( VPA)/ UPI ID (example – name@axisbank) for the selected bank account.
- 05
Set UPI PIN for the account using your Debit Card credentials and OTP. Use this PIN for sending money to other VPA/ UPI ID’s.
- 06
Send & receive secure payments instantly.
- 07
Recharge your prepaid mobile & DTH through BHIM AXIS PAY.
How to send money using BHIM Axis Pay UPI App?
- 01
Select your own & the receiver’s UPI ID.
- 02
Enter the amount to be sent.
- 03
Send money by entering the PIN.
How to receive money using BHIM Axis Pay UPI App?
- 01
Select your own & the sender’s UPI ID
- 02
Enter the amount receivable.
- 03
Receive money when the sender approves the transaction on their app.
How do UPI Mandates work?
PAYER INITIATED MANDATES
- Login to BHIM Axis Pay
- Click on the ‘UPI Mandate’ Option available on the Side Menu
- Click on Create New
- Enter the Payee’s UPI ID
- Start date, End Date and the amount for the Mandate
- Select if you want to ‘Notify Recipient’. In case you select ‘notify recipient’ option the payee will get a notification that the mandate has been created.
Once the mandate is created, the amount will be blocked (will be marked on your account for the mandate amount)
How to execute a Mandate using BHIM Axis Pay?
- The moment the mandate is created, in case the payer has ticked on ‘Notify the recipient’ option, the payee will get the details of the mandate. If the option to notify the recipient is not ticked, then the payer has to inform the payee that the mandate has been created.
- The payee is required to log into the UPI app and see the details of the mandate.
- The payee has the option to ‘Reject ‘ or ‘Execute’ the mandate
- The moment the payee clicks on ‘Execute’ option, the amount will be debited from the payer’s account and credited into the payee’s account.
PAYEE INTIATED MANDATES
In cases/ scenarios, where the payee (merchants) would initiate a mandate request. E.g. Hotel Bookings. Where the payment has to be blocked in advance, before the service is availed of by the customer. In such scenarios, the payee, i.e., the merchant will initiate a mandate on the payer.
Steps to accept a Payee Initiated Mandate on BHIM Axis Pay
- The Payee will send a request on the payer’s UPI ID with details like transaction amount, purpose, date, etc.
- The Payer will get an SMS about the same.
- The Payer has to login to Axis Pay
- Click on the ‘Mandate‘ option available on the side menu
- Click on "Request Received"
- The payee initiated mandate would be available for approval
- The payer has to approve the mandate by entering the UPI PIN
- Once approved, the payee will execute the mandate on the date specified in the Mandate.
Using the Mandate Feature of UPI 2.0, customers can use their UPI ID as a payment option while subscribing for IPO on National Stock Exchange (NSE) & Bombay Stock Exchange (BSE).
They simply need to tell their broker to use UPI ID as the payment option while filling the IPO application.
Axis Pay Merchant Payments
BHIM Axis Pay UPI App is a merchant payment interface where you can make payments to merchants using UPI IDs. There are key merchants where UPI is available and you can follow the required steps to make Axis Pay Merchant Payments.
With UPI, you can pay merchants on their e-commerce platform as well as their retail outlets.
UPI for Merchant Payments
Some of the key merchants where UPI is available are:
- Amazon
- Samsung
- Freecharge
- Swiggy
- Book My Show
A Step-by-Step Guide for Merchant Payments UPI App
How to make payments on Merchant Apps?
How to make payments on Merchant websites?
How to pay at Stores using UPI?
How to make payments on Merchant Apps? (For example: Swiggy)
- 01
At the Payment Page of the merchant, select the payment option as "Pay By UPI"
- 02
Enter your preferred UPI ID ( which is linked to your Debit Account)
- 03
You will be notified via SMS / Notification on your UPI application
Check the transaction details on your UPI application and validate the transaction using your UPI PIN linked to the account
How to make payments on Merchant websites? (For example: BookMyShow)
- 01
At the Payment Page of the merchant, select the payment option as "Pay By UPI"
- 02
Enter your preferred UPI ID ( which is linked to your Debit Account)
- 03
You will be notified via SMS / Notification on your UPI application
Check the transaction details on your UPI application and validate the transaction using your UPI PIN linked to the account
How to pay at Stores using UPI? (For example: Dmart- QR Code)
There are two ways to pay at retail outlets using UPI:
Using QR Codes
- Scan the UPI QR code generated through the store’s POS machine using your UPI app
- Enter the amount and UPI PIN in your UPI app.
- The amount will be instantly debited and credited into the merchant’s account
Using UPI ID
- Share your UPI ID with the merchant
- The merchant will initiate the transaction (transaction request) from his/her UPI application
- You will receive a notification on your BHIM/UPI app to confirm the transaction
- Confirm the transaction by entering the UPI PIN on your BHIM/UPI App
Axis Pay UPI Payment Solutions
UNIFIED PAYMENTS INTERFACE - PAYMENTS SOLUTIONS
Axis Bank is a pioneer in the adoption of Unified Payments Interface (UPI). We offer the widest range of integration solutions to our partners through this system. With a dedicated team at the back end, we aim to be the first choice for companies when opting for UPI Payment Solutions.
What We Offer
Our offerings include standard APIs with a robust network and disaster recovery management. We have multiple solutions tailored for the needs of different merchants - real time onboarding of merchants, customisable solutions, standard API integrations, operational and testing support. Additional services provided by the Bank to the merchant are:
- SDK- In app Integration
This is a software development kit provided by the Bank to the merchant to be integrated with the merchant’s app. All P2P and P2M functionalities such as – Fund transfers, Account and UPI ID registration, QR code generation, QR code scanning, Intent and other NPCI compliances – are available in this kit.
Our Partners include – Amazon, etc. - Web collect
The merchant is provided with the collect API wherein the merchant is able to collect/request money through UPI from their respective customers.
Our Partners include – BillDesk, etc. - QR Code based payments
The Merchant is provided with standard QR code specifications. The API helps the merchant to collect the payments from respective customers through QR scanning.
Customers can scan the QR code generated and pay the merchant through a UPI App of their choice. Both Static and Dynamic QR code options are available. Other features such as Check status, Call back, Ref id validation and verify VPA APIs are also available with this API.
Our partners include - Google, Bijlipay, etc. - Intent flow
The Merchant is provided with standard Intent specifications. This API helps merchant to go live on “Pay use case” wherein the merchant is able to collect the payments from respective customers. This option enables a customer to get an option on the merchant application to pay via any UPI Application. Other features such as Check status, Call back, Ref id validation and verify VPA APIs are also available with this API.
Our partners include - Swiggy, Book My Show, etc. - Customisable Solutions
We provide customised solutions for Merchants as per the merchant and Bank’s feasibility.- Online Refund API has been developed and provided to our merchants through which customers can receive instant credit
- Push to VPA services for customers to receive cashbacks instantly.
- Ref id validation API which declines the transactions of those payment service providers where the original order ID gets changed.
- Dynamic VPA solution wherein merchants can create dynamic VPAs for receiving payments
- Online sub-merchant onboarding APIs wherein merchants can onboard, update and disable the sub-merchant instantly
- QR on POS
The Merchant is provided with standard QR code specifications and the API is integrated into the POS machine. Our EDC partners are already live with UPI on POS feature. Customers can scan the QR code generated on POS machines and make payments to merchants via UPI. In case of payment failure, an Online Refund API has been developed and provided to our merchants for this use case, through which users can receive instant credit. This solution is the best for large retail enterprises.
Our partners include – mswipe, ezetap, etc.
Furthermore with our dedicated network of sales and product specialists with deep domain knowledge of the dynamic UPI stack, We offer continuous hand-holding to our partners at each and every step of the integration along with 24/7 support.
Some of our existing partners for merchant payments
- Amazon
- Samsung
- Freecharge
- Swiggy
- Book My Show
- Cred
- Ixigo-AbhiBus
- Airtel
- Simpl
- Euronet
UPI Issues Troubleshooting
Registration and Transaction Failure Troubleshooting for Axis Bank customers
| Registration Failure Issues – Troubleshooting | ||||||||
|---|---|---|---|---|---|---|---|---|
| If you are getting errors such as "Account not Found", "Account does not exist", "Mobile number not linked", "Unable to register" etc. while registering or adding account to any UPI Apps - follow the mentioned steps |
| |||||||
| Transaction Failure Issues-Troubleshooting | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| If you are getting errors such as "Account Blocked/frozen", "PIN tries exceeded", "Limit exceeded" etc. while performing a UPI transaction through any App-follow the mentioned steps |
| ||||||||
Axis Pay UPI App FAQs
Axis Pay UPI App FAQs cover every possible doubt regarding Axis Pay UPI App. FAQs for Axis UPI Apps regarding its working, application, technicality, usage, all the ifs and buts, safety, scope etc. are answered in detail. Read the terms and conditions carefully.
All transactions on UPI are authenticated by a two-factor authentication. A debit transaction can only be initiated through your VPA/ UPI ID on your device and it requires an MPIN to authenticate the transaction. Regulated by NPCI, users share only their UPI ID instead of sensitive information like account details, IFS Code etc.
A virtual payment address (VPA)/UPI ID is a unique Id linked to your account. This unique ID is set by you and must generally be easy to remember; e.g. yourname@axisbank.
VPA / UPI ID can be used instead of Account & IFSC to transfer funds.
UPI enables users to send money directly from their accounts and receive money into their accounts. There is no hassle of loading wallets or transferring money from a wallet back into the account or incurrence of additional fees.
To know Difference between NEFT, and UPI, click here.
A UPI Mandate can pre-authorise (Mandate) a transaction for debit from your bank account later. UPI mandate is to be used in scenarios where money is to be transferred later, however the commitment towards that is to be done now. It is possible that the sender may forget to send money later, so he/she creates a mandate or for a service/merchant payment wherein this functionality may be required. The customer's account shall get debited when the mandate is executed. UPI mandate can be executed only once.
- Be cautious of money requests from unknown senders as accepting a UPI money request is a debit to your account. Only accept requests from known senders and verified merchants.
- Never share your card number, CVV, expiry date, OTP and PIN numbers.
- Beware of Mobile screen sharing apps used for remote access, like Anydesk: and de-activate them while transacting on any UPI App
- Do not share or forward any SMS from the Apps. This SMS may contain information regarding registration of your account on another device.
Steps to make Axis Bank Credit Card bill payments via UPI
- Initiate a UPI payment from any UPI app
- Enter your Axis Bank Credit Card bill payment UPI ID
- Verify your name and manually enter the bill amount
- Complete the transaction using your UPI PIN
Your Axis Bank Credit Card bill payment UPI ID is:
cc.91<Your 10 digit registered mobile number ><Last 4 digits of your Credit Card>@axisbank
eg: If your mobile number is “9812345678” and last 4 digits of your credit card is “1111”, then your UPI ID is “cc.9198123456781111@axisbank”
The amount will be released within 2 working days from IPO closure day.
The limit on a UPI Mandate is INR 1 lakh and on IPO Mandate is INR 5 lakhs. 24 hrs limit for IPO is 15 lakhs.
In case of failed transactions, the money (if debited) will be credited to your account instantly. In case of timed out transactions, amount will be settled to the beneficiary account or debit account within two working days.
Axis Pay is an app with which you can send/receive money using any bank’s account, instantly using just a VPA / UPI ID. It works on Unified Payments Interface (UPI) which allows users to transfer money instantly without knowing the sender’s or receiver’s bank details. The money can be transferred by simply using VPA/ UPI ID.
A VPA/ UPI ID is an identifier which you create and link any of your bank accounts to make secure payments. The VPA/ UPI ID can be yourname@axisbank or mobilenumber@axisbank etc which is easy to remember.
Yes. All VPA/ UPI ID created in Axis Pay are suffixed with @axisbank
The ID is unique to an individual. If the ID preferred by you has already been taken by someone else, you will have to create an alternate unique ID, which is easy to remember.
UPI stands for Unified Payments Interface (UPI) which is platform provided by NPCI to facilitate inter-operability amongst various banks. It’s a one stop solution for multiple bank accounts, one app. It allows all account holders to send and receive money using their smartphones with a single identifier – virtual payments address (VPA)/ UPI ID – without entering any bank account information. Therefore, customers do not need to know the payee's or payer’s IFS Code, bank account details, etc. and this makes the process simpler.
A VPA/ UPI ID can be alphabetical, numeric or alphanumeric. It should be between 4-20 characters. It cannot contain any special characters (*,#,@ etc.) except dot(.) and hyphen(-) which are permissible. Your ID should be easy to remember such as yourname@axisbank or mobilenumber@axisbank
When you add the receiver’s VPA/ UPI ID to send money, you can click on the “verify” button to get the complete name of the receiver as per his bank records.
Axis Pay can be used by both Axis Bank and other bank customers.
The Axis Pay app allows you to Send or Ask for money using VPA/ UPI ID. You can link any bank account to the VPA/ UPI ID to send or receive money. Both Axis Bank and other Bank customers can also check their account balance on the app.
No. The same features are available to both Axis Bank and other bank customers.
Axis Pay UPI app is available on Android and iOS only.
The actual download time depends on the speed of data connectivity offered by your mobile operator or internet provider.
No. Axis Pay is user specific. It requires a 6 digit passcode to login to the app. For security reasons, you are requested not to share your Axis Pay Passcode with anyone.
- Download the BHIM Axis Pay app from Google Play Store or Apple Store
- Auto SMS is sent from your mobile phone to Axis Pay. In case your phone has a dual SIM, select the preferred phone number registered with your bank.
- Set a profile name and a unique 6 digit passcode for yourself
- Select your preferred bank from the list
- Create a unique Virtual Payment Address (VPA)/ UPI ID for the selected account
- Verify the selected account using your Debit Card credential or Aadhar number and OTP.
- Set UPI PIN for the account. Use this UPI PIN for sending money to other Virtual Addresses (VPA)/ UPI ID
Yes, you will have to download the app & register your details again.
The appearance of Axis Pay may differ slightly on different phones, however, its functions and operations will remain the same, irrespective of the mobile handset being used.
In case you download and register on Axis Pay using a new device, Axis Pay installed on the old device automatically gets deactivated.
- Download the Axis Pay app from Google Play Store or Apple Store
- A SMS will be automatically sent from your mobile phone to Axis Pay. In case your phone has a dual SIM, select the phone number registered with your bank.
- Set a profile name and a unique 6 digit passcode
- Select your preferred bank from the list
- Create a UPI ID for the selected account
- Verify the selected account using your Debit Card credential or Aadhar number and OTP.
- Set PIN for the account. Use this PIN for sending money to other VPA/ UPI ID’s
This happens in the following scenarios:
- The verification SMS has not been sent from the device
- Network error
- The device does not have a SIM.
Please ensure that your phone has data connectivity. If the problem persists, please delete the application, download and try again
You can simply reconnect to Axis Pay and verify your transaction history to check if the transaction has been executed before initiating a fresh transaction
Yes, as long as you have GPRS activated on your mobile number, subject to availability of the network, you can access Axis Pay anywhere in the country. Please keep in mind that you might be charged special roaming rates for using GPRS
You will have to download the application again from the Google Playstore or Apple Store and register
Yes, you can add any bank account in BHIM Axis Pay. The bank should be enabled on UPI
The maximum transaction limit for debit fund transfer/P2P(Person to Person) through BHIM Axis Pay is INR 1,00,000/- (Rupees One lakh) per transaction. The overall transaction limit within 24 hrs is also INR 1,00,000/- (Rupees One lakh) including all linked accounts in Axis Pay. Also, number of P2P (Person to Person) debit transactions allowed within 24 hrs is 20.
Please note: New UPI users or users who have changed their device/Sim card can transact only upto INR 5,000/- within 24 hrs from registration (applicable for Android users and other OS). For iOS users, new user limit will be applicable for three consecutive days i.e. 72 hrs from registration with INR 5,000/- limit for 24 hrs each.
No, you cannot send money without setting a PIN for a particular bank account
The money will be debited instantly from your account
Yes, you can set the expiry time. You can set an expiry time from 1 day to 45 days, from the date of initiation of the transaction
You can see your past transactions under ‘My Transactions' available on the side menu of your app.
You will find an option to raise your query for a transaction under ‘My Transactions’ option available in the side menu.
Yes, you can transfer money using your account number and IFSC of the beneficiary, in case you do not have a unique ID of the beneficiary. However, sender /payer has to have a UPI ID while sending money through BHIM Axis Pay.
There is no limit to the number of accounts that can be added for receiving money.
BHIM Axis Pay allows all transactions to be at least 2 Factor Authenticated, making it completely safe and secure. Apart from this all your financial transactions have a daily transaction limit.
It’s a simple 3 step process to start using BHIM Axis Pay.
- Download and Register on BHIM Axis Pay
- Add any bank account and set a UPI ID
- Verify your account and set a PIN
After this, you are all set to send and receive money using BHIM Axis Pay.
No, the other party i.e. a receiver or sender need not be on BHIM Axis Pay. The other party can use any Bank’s UPI enabled application.
You can use Axis Pay for sending or receiving money between people.
No, you would need VPA of the sender to ask for money.
Yes, you can receive money on your VPA/ UPI ID without setting PIN for the account linked to the VPA/ UPI ID.
You can reset your UPI PIN using “FORGOT UPI PIN” feature in the app. The PIN changed in this app will change the PIN in all the UPI apps where this account is linked.
You can change the MPIN for your account using “CHANGE UPI PIN” feature of the app. To do the same, go to side menu and select “Manage Accounts”.
6 digit passcode is the app level password which you need to login to the app.
No, UPI PIN is set for each bank account that you link in BHIM Axis Pay. You would need UPI PIN to authorize any transaction. Passcode is app level password which you set at the time of registration to login to the app. For Axis account, you would have to set 6 digit UPI PIN. It need not be same as 6 digit passcode.
All transactions on UPI are authenticated by 2 factor authentication. Debit transaction can only be initiated through your VPA/ UPI ID on your device and it requires an UPI PIN to authenticate the transaction. Regulated by NPCI. User shares his VPA/ UPI ID only instead of sensitive information like account details, IFS Code etc.
There is no concept of loading in UPI. It’s direct account to account transfer using VPA/ UPI ID. No txn charges on BHIM Axis Pay. Wallets usually charge anything between 1 to 4 % for reversal of money from wallet to account. In UPI, money resides within the account itself, hence no scope of reversal as well as loading. Daily txn limit is 1 lakh which is higher than any wallet and is Inter-operable across any UPI app. A particular wallet is not inter-operable with any other. Sender and receiver party have to have same wallet to transfer funds. Through UPI, sender and receiving party can choose to have any UPI app available today.
As the ecosystem of UPI progresses, it has the potential to replace cards as well as cash.
You cannot edit the UPI ID for a bank account once created. For deactivation of UPI id, you can De-register (Available in Side menu) from App or you can delete account from "Manage accounts" option.
You can generate your customized QR code using the "Generate QR Code” option available in the side menu of BHIM Axis Pay UPI app.
You can scan any UPI QR codes using "Scan & Pay" option available on the BHIM Axis Pay UPI app.
Select Recharge option, and then select mobile recharge option. Enter mobile number, select the operator, enter amount, Select Debit Account and enter the UPI PIN. Your prepaid mobile will be recharged.
Yes, you can use this service even if the service provider has changed using number portability. Please enter your new mobile operator and other details and submit.
You can do a maximum recharge of Rs. 2000 through the app for a mobile number. Three successful recharges can be processed for the same Mobile Number per day. The overall recharge limit (Prepaid Mobile, DTH recharge) per account would be Rs. 5000 per day.
Maximum recharge amount is Rs 3000 per subscriber ID. Please check with the service provider for various recharge options available for DTH. Total three transactions can be processed for the same DTH number per day. The overall SMS recharge limit (Prepaid Mobile, DTH) per account would be Rs. 5000 per day.
This facility is free of cost by Axis Bank. Charges may be applied by the mobile/DTH operator.
For Recharge you can use any bank account enabled on UPI that is linked to your BHIM Axis Pay UPI app.
While doing Recharge, account is debited immediately. If you have entered an invalid number/ postpaid number, the amount will be credited back to your account within 4 working days.
You have to be careful while entering the mobile number / DTH subscriber ID for recharge. In case a wrong mobile number/ DTH subscriber ID has been recharged by mistake, the amount will not be reversed to your account.
This could be due to various reasons like
- Recharge denomination not available
- Postpaid mobile number ( in case of mobile recharge)
- Operator system not available
In case your recharge is unsuccessful, the amount will be credited back to your account within 4 working days. Please check your account statement before reinitiating the transaction to ensure duplicate request is not processed.
In case there is a fraud in your account using UPI , you need to immediately report to your bank. For more details please click here.
Yes, Please refer to following data for matching checksum number shown in your app:
| Platform | App Version | Checksum |
|---|---|---|
| Android | 2.7.33 | km3E1Sw2vV8+iP8yHNqx507D2n90wbEf185qm/tydRXG3eX49YnyiWytsftgdJIg |
| Android | 2.7.12 | ziX/oAVYqCeXWjudNf9oBQ4WlcXE+Wt9bmK5Vyy96GPNdvmSc9SrPskcqfnlXDR/ |
| Android | 2.7.15 | itmvQdSYVSeJqWp5Vueykm8e7Ah+/gCmp/T2+GTLw1+vgIP7jZ8kb73lwML4Ha4n |
| iOS | 3.4.22 | GUwDPk9eg8mEfSSyZ8b+y9ZDHexp0wxcBJbKBlIuCbxriVL0l5OtqQya9xm3MPF9 |
UPI credit or receiving through individual Account +IFSC or UPI id/mobile number has cumulative limit of 25 successful transactions and INR 4Lakh cumulative in 24 hours, Once this limit is breached customer will not get credits through UPI for next 24 hr
Below steps needs to be performed for set UPI Pin using Aadhar number and OTP
- User needs to clicks on the Change UPI Pin tab on the resp. PSP App, a consent would be taken from the user for using of Aadhar OTP for Pin set / reset
- User will be asked to enter the first 6 digits of the masked aadhar.
- User moves to the OTP Validation screens where the user is expected to provide UIDAI and Issuer bank OTP
- Once OTP is entered, User moves to the final page for setting / resetting of UPI Pin to set the UPI Pin.
Aadhaar + OTP authentication provides customers with an additional secure option to generate their UPI PIN. It offers a safe and convenient onboarding channel alongside debit card PIN setup, thereby increasing the digital footprint.
You will not be able use your Aadhaar number to set or reset a UPI PIN if the number linked with your Aadhaar is not the same as your PSP App registered number. However, you can set a UPI PIN using your debit card.
You may not see this option if you have entered the wrong Aadhaar number twice. In this case, you will only be able to set or reset your UPI PIN using your Aadhaar number after 24 hours.
If you do not receive an OTP on your registered mobile number while trying to set your UPI PIN, please check the following and try after some time:
- You have good network connectivity
- You have not activated DND (Do Not Disturb) with your mobile operator for the number you have registered with us. You can check this in your Phone Settings >> Apps & Notifications >> Notifications >> Do Not Disturb. Note: If you have already deactivated DND for your registered number and are still not receiving the OTP, please contact your bank for further assistance.
Yes, the customer will be able to choose Aadhaar OTP for UPI PIN SET/RESET even though there is a debit card associated with the account.
No, customers Aadhaar number is being used only for authentication purpose for setting UPI Pin and will be deleted once session is completed.
Minor accounts will have a cumulative debit limit of INR 1,500 per 24 hrs.
One-time mandates for IPOs, recurring mandates, UPI Lite and Delegate Payments/UPI circle functionalities is not allowed for Minor Accounts using UPI.
1. (P2P+ P2M): Cumulative INR 1 lakh allowed within 24 hrs. Per transaction limit is also INR 1lakh. Number of P2P transaction allowed within 24 hrs is 20. No limit on number of P2M transactions. P2P involves payment done to Account +IFSC, UPI id/mobile number. P2M involves payment done to Merchants.
2. New UPI users or users who have changed their device/Sim card can transact only upto INR 5,000/- within 24 hrs from registration (applicable for Android users and other OS). For iOS users, new user limit will be applicable for three consecutive days i.e. 72 hrs from registration with INR 5,000/- limit for 24 hrs each. Post new user cooling period, the below limits would be applicable.
3. Minor accounts have a cumulative debit limit of INR 1,500 per 24 hrs (irrespective of minor with MOP 19 or 20) for P2P & P2M both.
4. Customer can do 150 P2P (Person to Person) debit transactions within 30 days period; these are for last 30 days and not calendar month.
5. For P2P QR scan transaction, if QR is uploaded from Gallery, then the maximum transfer limit of INR 2000 is applicable and if the QR is directly scanned from device camera then the regular debit limit i.e. INR 1 Lakh per 24 hrs. would be applicable.
6. For Hospital & educational services, tax payments, UPI based IPO, per transaction limit is 5lakhs (applicable for verified merchants only)
7. For Insurance, per transaction limit is 2 Lakhs.
UPI credit or receiving through individual Account +IFSC or UPI id/mobile number has cumulative limit of 25 successful transactions and INR 4Lakh cumulative in 24 hours, Once this limit is breached customer will not get credits through UPI for next 24 hrs.
Credit SMS alerts for UPI transactions would not be sent to customers if the transaction amount is less than INR 10,000. Only an email confirmation would be sent to customers receiving credits on UPI upto INR 10,000. However, if an email id is not configured for an account, then an SMS for credit UPI transactions for the same will be sent.
Non-Resident External(NRE), Non-Resident Ordinary(NRO) having overseas Registered mobile number from 12 countries - Singapore, Australia, Canada, Hong Kong, Oman, Qatar, USA, Saudi Arabia, UAE, United Kingdom, France, Malaysia can register for UPI.
Non-Resident External (NRE), Non-Resident Ordinary (NRO) account having Indian Registered mobile number can register for UPI.
Biometric authentication allows you to use your fingerprint or face recognition, as set up on your device, to authorize UPI transactions through the concerned UPI App.
No. Your biometric data remains securely stored on your device and is not accessed, stored, or transmitted by the bank or the concerned UPI App.
Any person whose biometrics (fingerprint/face) are enrolled on your device may be able to authorize UPI transactions through the concerned UPI App.
You are solely responsible for managing biometric enrollment on your device. Please be cautious if other individuals have access to your device.
Yes. Biometric authentication is an optional feature. Users can disable it anytime via UPI app’s settings and fall back to UPI PIN.
Biometric authentication provides convenience and added security. However, your UPI PIN remains active and may still be required in certain cases.
Yes. Biometric authentication consent is captured at the combination of Bank Account + UPI App + Device. Each account must be enabled individually
Yes, devices that are compatible and have biometric authentication enabled will be supported.
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