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Unified Payments Interface - FAQ

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What is UPI ?

Unified payment Interface (UPI) is a payment system developed by National Payment Corporation of India (NPCI). It is a platform where customer can fetch and place all his accounts maintained with different banks and transact through these accounts. UPI allows you to transfer money between any two parties via smart phone through a payment identifier like virtual address or Account number and IFSC.

How is UPI different from existing transaction mechanisms ?

UPI is providing additional benefits to existing mechanisms in the following ways:

  • Provides for Collect money option
  • Single Android app for funds transfer using account of any bank participating in UPI

UPI is available on which platforms ?

UPI, as of now, is available only for Android smart phone users and can be downloaded through play store, for other platforms it would be made available shortly.

Do I need to register for making transactions using UPI ?

Yes, you need to register on UPI and link your bank accounts before performing transactions.

I am not a customer of PNB, can I still use the PNB UPI application ?

Yes, you can use PNB UPI App even if you are not a PNB Customer, and add accounts maintained in other banks participating in UPI.

What are the requirements for using UPI ?

While registering for PNB UPI, please ensure you have following:

  • An android phone with internet services
  • An operative bank account
  • The mobile number being registered with UPI must be linked to the bank account.
  • Active debit card relating to this account for creating UPI PIN for transactions.

Are there any additional charges for transactions done using UPI ?

Currently, there are no charges for transactions done through UPI.

How do I register in the PNB UPI application ?

  • Tap CLICK ME to verify your mobile number. A silent SMS will be sent from your mobile for verification. The SMS should be sent from the mobile number registered with the bank accounts. In case of dual- SIM phones, please ensure the SMS is delivered from the mobile number registered with the bank (Please keep the registered SIM in the 1st slot).
  • After your mobile number is verified, the New Registration screen is displayed. Fill in the required details.
  • Create six digits numeric password for logging in to application and confirm the same.

What are the different channels for transferring funds using UPI ?

The different channels for transferring funds using UPI are:

  • Transfer through Virtual ID
  • Account Number and IFSC
  • Collect / Pull money through virtual ID

How do I link my bank account with UPI ?

After successful registration with UPI, click on Add Bank Account. Choose your bank from the menu, the bank should be UPI participant.

Why am I not able to connect on UPI ?

The reason may be:

  • Your account may have become Dormant.
  • Mobile Number from which you are trying to sign in may not be registered to your Account.
  • Your bank is not UPI participant.

I am able to see accounts which do not belong to me. What should I do ?

It might be the case that your mobile number is mistakenly registered against the account number in question. Please contact the respective bank whose account is visible.

All my accounts are not visible. Why ?

As of now in PNB UPI :

  • Accounts should be either Savings, current or Overdraft.
  • The mode of operation should be self/Either or Survivor/Anyone or Survivor.
  • Maximum 5 accounts will be listed.

What is `Virtual Address` ? How do I create one ?

Virtual Address is created for your bank account which acts as a unique identifier to be used for performing the transactions. To send money, you just need to enter the virtual address of the beneficiary. The beneficiary need not show account details as only Virtual address is required for the transactions.

What is UPI PIN ? How do I set UPI PIN ?

After successful addition of bank account and creation of virtual address, click on Set PIN for setting a PIN for transaction. This PIN would be required for authorizing transactions. An OTP would be delivered on the registered mobile number. You also need to enter the last 6 digits of your debit card and its expiry date. You can use Change PIN option to change the PIN required for transactions.

Why am I not able to set UPI PIN for my account despite entering valid debit card details ?

Using the debit card, you can set the UPI PIN only for the primary account linked to the card. In case of confusion about primary account linked to the card, please contact your branch.

How can I perform transactions using UPI ?

  • After adding bank account, generate virtual address and set UPI PIN for authenticating transactions.
  • Click on Pay.
  • If you choose to transact using Virtual Address, enter valid virtual address of the beneficiary. The beneficiary must be registered with UPI.
  • If you choose to transact through IFSC code and bank account number, enter the required details. In such case, the beneficiary need not register with UPI.
  • To ask for money from friends, use Collect Money option, enter the payer details and click collect money
  • To approve collect money requests raised by friends, click Pending approval option.

How can I track my transactions ? Where do I register a complaint with reference to the UPI transaction ?

Click on Txn status to track the transactions. If you have any concerns, select the particular transaction and log the complaint by writing the relevant comment for it. You can further check its status from `Complaint Status` menu.

Can I use more than one UPI application on the same mobile ?

Yes, one can use more than one UPI application on the same mobile and link accounts of any bank registered with UPI.

Can I keep more than one Virtual Address for an account ?

Yes, for a given bank account, more than one virtual address up to maximum of 10 can exist.

What if my account is debited but the transaction fails ?

Within a few minutes, the amount would be returned to you. In case of any further issues, please log a complaint.

Can I put a stop payment request for funds transferred by UPI ?

No, once the payment is initiated, it cannot be stopped.

Can I transfer money abroad using UPI ?

As of now, only domestic transactions can be done.

If I change my UPI app/Handset/SIM will I be required to register again or can I carry the same virtual address ?

In case of change in UPI app version /Handset/SIM, you need to re-register with the same process of mobile number verification and no need to create new/change virtual address.

What happens if my mobile phone is being used by other person or is lost ?

In such a scenario, do not worry. The UPI app authenticates your identity through mobile number. In case of theft, get your mobile number blocked through your service provider. In addition, PIN would be required both for logging into the application and authorizing transaction. So the possibility of security breach is minimized. As a practice, never disclose your PIN to anyone.

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