UPI APP: What is Unified Payment Interface UPI and How to use UPI? -Complete Guide UPI APP

What is UPI: Friends, in today's post we are going to talk to you about UPI. What is UPI and how does it work? While making online payment or paying your electricity bill, you must have seen the option of UPI in addition to Debit Card, Credit Card in the option of payment method, yes we are talking about the same UPI. Which you often see while making online payment.

UPI is a payment system through which you can directly transfer money from your bank account to someone else's bank account. That is, IMPS (Immediately Payment Service).

With UPI id, you can transfer money to multiple bank accounts. UPI was launched in 2016 by NPCI (National Payment Corporation of India).

What is full form UPI?

UPI – Unified Payment Interface. Till now more than 140 banks have become members of UPI. According to NPCI, you can transact up to Rs 1 lakh daily from your bank account. But different banks have different limits. There are many apps like Phonepe, Paytm, Gpay etc. with the help of which you can use your UPI id.

UPI App Name?

1. Phonepe

2. SBI Pay


4. Paytm App

5. Axis App

There are many such apps, with the help of which you can easily send money from your account to any other account, for which you need VPA (Virtual Payment Address).

How to use UPI?

So friends, now you must have understood that what is UPI? Now the question is how does it work. How can you use UPI? First of all you need to create your UPI ID. Requirements to generate UPI id

1. Account, you must have an account in any UPI member bank, only then you can take advantage of this facility.

2. IFSC number of your account, Debit card

3. Smart Phones, Internet

4. UPI Mobile App

If you have all the above mentioned things then you can create your UPI id and start online transaction.

UPI information

1. After downloading the UPI app in your mobile, you can install the UPI app of the bank in whichever bank you have an account. Like – PNB UPI, SBI UPI, Axis Pay UPI etc.

2. We will teach you how to create UPI id on SBI Pay. First of all you have to "Your device is not registered with the PSP" but keep in mind that the same number should be activated in your phone which mobile number is registered in your account.

3. Then you have to click on Accept. After accepting your mobile number will appear in front of you, if this number is registered in your account then you have to click on Yes.

4. Now a UPI registration form comes in front of you which you have to fill.

5. First of all you need to create your Virtual Id. There is such an ID with the help of which you can start your online transaction. Like you can create your ID by using your name or any name in it like – Abc@123

6. After this you have to answer any 3 secret questions. And you have to remember this answer. After that you have to select your bank. And agree to the terms and conditions and click on the next button.

7. After this you see your virtual address and the last 4 digits of your bank account, after that you have to click on the register button.

8. After this you have to create your password. After creating the password, you have to write your password again on Confirm Password, after that you have to answer your secret question. which you have already given.

9. Now you have to click on your PIN setup option. After that you have to enter the last 6 digits and expiry date of your ATM card.

10. Now you have to click on the submit button. Then an OTP comes on your mobile. After the number is verified, you have to create your PIN.

11. Just like your ATM PIN, you have to create the same PIN for your UPI app so that you can use it while making payment.

12. After the PIN is created, you can easily do your first pay by clicking on the payment option from your UPI app.

How to send money UPI app?

Now you can send money to whomever you want using UPI id. For which you must have its Virtual Address.

1. First of all you have to enter the Virtual Address.

2. After entering the virtual address, its name appears in the app, whose virtual id you have entered, its name has to be confirmed.

3. In the option of Remarks, you have to write the reason why you want to pay.

4. In the Amount option, you want to send the amount of money. That amount has to be added.

5. Finally, after clicking on the pay button, your amount is sent.

Send money in Direct account?

If you want to send money directly to the bank account of a friend or relative, then for this you need to have some information like – Account number, IFSC code. Now you can send money to the direct account as well.

1. First of all add the account number of whom you want to send money.

2. Now enter IFSC code

3. Then add remarks in the same way as mentioned above. Then after adding the amount, click on the button of pay.

So friends are not so easy and simple method by following which you can also send money to your friend in direct account. You can also pay for your college fees, shopping bills, or any restaurant with this.

Why should you use the UPI app?

Nowadays there is a trend of online payment. If you want to make any payment anywhere, then you definitely get the option of UPI. That's why you should also use UPI id so that you too can make your payment without any hassle.

1. You can make payment through UPI app 24×7 at any time. UPI gives you 24 hours service.

2. You can make payment using Virtual Address. You do not need to enter the complete details again and again.

3. With the help of this app, you can also send a request to get money.

4. The UPI app also lets you make complaints. If you want to make any complaint related to payment, UPI also provides its facility.

5. UPI app is very easy to use. You do not need to learn any technology for this.


Friends, today we learned how the UPI app works. And how can you use the UPI app. Hope you like this information and it will also be useful for you, so if you like this information of ours, then do not forget to share it with your friends.

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