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UPI User Manual

 Steps for Registration:

  • User downloads the UPI application from the App Store/Banks website
  • 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 M-PIN
In the case of 3(a) -
  • 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)
In the case of 2(b) -
  • 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)
Performing a UPI Transaction:
PUSH 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
 
 
PULL Money
•           User logs in to his bank’s UPI application
•           After successful login, user selects the option of collect money (request for payment)
•           User enters remitters/payers virtual id, amount and account to be credited
•           User gets confirmation screen to review the payment details and clicks on confirm
•           The payer will get the notification on his mobile for request money
•           Payer now clicks on the notification and opens his banks UPI app where he reviews payment request
•           Payer then decides to click on accept or decline
•           In case of accept payment, payer will enter UPI PIN to authorize the transaction
•           Transaction complete, payer gets successful or decline transaction notification
•           Payee/requester gets notification and SMS from bank for credit of his bank account
 
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