Are you new to the world of instant online money transfer and bill payments? Then, it is high time for you to install BHIM app or any other UPI-enabled app and start sending funds instantly at no extra cost with a few strokes on your smartphone.

1. What is BHIM app?

Bharat Interface for Money (BHIM), a payment app, lets you make simple, easy, and quick payments using the Unified Payments Interface (UPI) technology. Direct bank payments can be made to anyone on UPI using their UPI ID and password. One can also scan the QR code with BHIM app to make payments.

There are many other UPI-enabled apps such as PhonePe, Paytm, Mobikwik, Airtel Payments Bank, Google Pay, iMobile, Axis Pay, SBI Pay, and BOB UPI.

2. How to register on an UPI-enabled app?

Registering your mobile number and bank account with an UPI-enabled app can be achieved by following simple steps. You can choose the method convenient to you.

Method 1:

Step 1: Download the BHIM app or any other app that supports UPI payments on your smartphone and install the app.

Step 2: Select the preferred language from the list.

Step 3: Enter your mobile number to register on the app.

Step 4: Enter your bank account details such as the account number, IFSC, and bank name to add it to the app.

Step 5: Set a UPI ID and a 6-digit or 4-digit PIN in order to authorise your transactions and keep it safe and secure.

Step 6: Now, you are good to go!

Method 2:

Step 1: Dial *99# on your phone and press the call button.

Step 2: Select the preferred language from the list.

Step 3: Enter your bank’s name or your first four letters of your IFSC.

Step 4: Select your bank account.

Step 5: Enter the last 6 digits of your debit card and expiry date.

Step 6: Enter your 6-digit UPI PIN. Choose your UPI PIN such that you remember it whenever asked for. However, it should not be easy enough for any fraudsters to guess it.

Step 7: Re-enter your 6-digit UPI PIN for confirmation.

Step 8: Your UPI PIN is now set.

3. How to send money via UPI?

Step 1: Login to your UPI-enabled app.

Step 2: Go to the ‘UPI Payments’ section.

Step 3: Select the ‘Make Payment/Send Money’ option.

Step 4: Enter the payee’s Virtual Payment Address (VPA).

Step 5: Key in the amount to be transferred.

Step 6: If you have multiple accounts linked to the mobile number, choose the account from which funds must be debited.

Step 7: Enter the UPI PIN to authorise the transaction.

Step 8: Upon selecting the ‘Submit’ option, the transaction will be initiated.

4. How to request money via UPI?

Step 1: Login to your UPI-enabled app.

Step 2: Go to the ‘UPI Payments’ section.

Step 3: Select the ‘Collect/Request Money’ option.

Step 4: Enter the payer’s VPA and the amount to be credited.

Step 5: The request will reach the payer in the form of a notification.

Step 6: If the payer accepts the request, he will be prompted to enter the UPI PIN to complete the money transfer transaction.

Step 7: When the payer keys in the correct UPI PIN, the requested amount will be debited from payer’s account and gets instantly credited to the requester’s account.

Step 8: Both the parties will receive a confirmation about the transaction in the form of notifications.

5. Merchants that allow UPI Payments

Some of the merchants that allow UPI payments are given below:

  • AbhiBus
  • BookMyShow
  • CCD
  • Chillr
  • Decathlon Sports India
  • Exide Life Insurance Company
  • Flipkart
  • Goli VadaPav
  • Hathway
  • Idea Cellular
  • Jet Airways
  • LIC
  • Myntra
  • New India Assurance
  • Ola Cabs
  • Purvanchal Vidyut Vitran Nigam Ltd
  • RedBus
  • SBI Life Insurance
  • Uber India

6. Banking Partners

Though several banks have partnered to support UPI payments, here is a list of a few significant ones:

  • Axis Bank
  • Bank of Baroda
  • Canara Bank
  • Citi Bank
  • Dena Bank
  • Federal Bank
  • HDFC Bank
  • HSBC Bank
  • ICICI Bank
  • IDFC Bank
  • Kaveri Grameen Bank
  • Karnataka Bank
  • Punjab National Bank
  • State Bank of India
  • UCO Bank
  • Vijaya Bank