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Banking & Financial Services

Digital Payment Services (UPI)

UPI, BHIM & Digital Wallet — Cashless India

Official Website NPCI Helpdesk: 1800-120-1740 | npci.org.in
Fees: UPI person-to-person: Free. Small merchant charges above ₹2,000.
Processing: Instant (within seconds)

What is Digital Payment Services (UPI)?

India's Unified Payments Interface (UPI) is a real-time payment system by NPCI allowing instant money transfers via mobile. BHIM (Bharat Interface for Money) is the government's UPI app. All UPI person-to-person payments are free for individuals.

Who Can Apply

  • Any Indian with a bank account and mobile number
  • Merchants for QR code-based payments
  • Businesses for payment gateway integration

Documents Required

  • Bank account linked mobile number
  • Aadhaar/PAN for wallet KYC above ₹10,000
  • Debit card (for first-time UPI setup)

Step-by-Step Guide

1

Download BHIM/UPI App

Download BHIM App or any UPI-enabled app (PhonePe, Google Pay, Paytm) from Play Store.

2

Register with Mobile Number

Register using the mobile number linked to your bank account.

3

Add Bank Account

Select your bank and verify with OTP. Your bank account is linked.

4

Set UPI PIN

Set a 4 or 6-digit UPI PIN using debit card details for transaction authorization.

5

Start Transacting

Send/receive money via UPI ID, QR code, or mobile number. Instant 24x7 transfers.

Go to Official Portal

Important Tips

  • Never share UPI PIN or OTP with anyone — even bank officials
  • Enable transaction notifications for all UPI payments
  • Use QR code for merchant payments — safer than manual UPI ID
  • Link multiple bank accounts in one UPI app

Frequently Asked Questions

QIs UPI safe for large transactions?

Yes, UPI uses two-factor authentication (device binding + UPI PIN). Never share your UPI PIN with anyone.

QWhat is UPI transaction limit?

Default limit is ₹1 lakh per transaction per day. Some banks allow up to ₹5 lakh for specific purposes.

QWhat to do if money debited but not credited?

Wait 48 hours — most reverse automatically. If not, contact bank or file complaint on NPCI portal.

Fees

UPI person-to-person: Free. Small merchant charges above ₹2,000.

Helpline

NPCI Helpdesk: 1800-120-1740 | npci.org.in

Processing: Instant (within seconds)

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