UPI User Manual

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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