• Immediate money transfer through mobile device 24*7 and 365 days.
• 2 Factor Authentication – Aligned with the Regulatory guidelines and provides for a very secure and seamless payment.
• Virtual address of the customer for Pull & Push provides for incremental security with the customer not required to enter the details such as Card no, Account number; IFSC etc.
• QR Code and intent based payments
• P2P and merchant payments

Steps for Registration:

• User downloads the UPI application from the App Store/Google Play Store
• User creates his/her profile by entering details like name, virtual id (payment address), password etc.
• User goes to “Add/Link/Manage Bank Account” option and links the bank and account number with the virtual id
   

Generating UPI – PIN:

• User selects the bank account from which he/she wants to initiate the transaction
• User clicks one of the option - 

Change UPI PIN

• User receives OTP from the Issuer bank on his/her registered mobile number
• User now enters last 6 digits of Debit card number and expiry date
• User enters OTP and enters his preferred numeric UPI PIN( UPI PIN that he would like to set) and clicks on Submit
• After clicking submit, customer gets notification (successful or decline)
• User enters his old UPI PIN and preferred new UPI PIN (UPI PIN that he would like to set) and clicks on Submit
• After clicking submit, customer gets notification (successful or failure)

How to Sent Money

• User logs in to UPI application
• After successful login, user selects the option of Send Money/Payment
• User enters beneficiary’s/Payee virtual id, amount and selects account to be debited
• User gets confirmation screen to review the payment details and clicks on Confirm
• User now enters UPI PIN
• User gets successful or failure message

Mechant QR Code

Bank Provided Merchnat QR Sound Box.