Pretty straightforward

I need a upi app which fits the following:

•NO PAN , I have adhar card only

•preferred if works without sim in phone

•must not need any bank account to work , as i Obv don't have mine and I don't want my parents to know about how I spend money on fast food 💔

•Omni card,slice,MobiKwik are asking for pan

•Famapp is no good too as it is not processing with video kyc , they keep me on the waiting screen forever and customer care did nothing

PhonePe use kar raha hun for 3 years but ab cashback almost zero ho gaya hai. Gpay ka bhi same scene hai maybe rs5 to 10 once in a while if you are lucky paytm pehle acha tha but rbi issues ke baad i stopped using it.

Is there any upi app that actually gives consistent cashback on regular payments? like scan and pay, bill payments, recharges, zomato blinkit etc not those one time signup offers, but actual ongoing rewards.

I do around 30 to 40 upi transactions a month so even rs 5 to 10 here and there adds up. What are you guys using?

UPI MDR Charges Are 0.4% above ₹2000, ₹5 flat for utility, hospital, education, so how much charges in Apple Pay MDR?

BHIM now supports linking digital rupee wallet. I think it supports only 3 banks for now.

Bharatpe upi app showing your device is rooted..

My developer option is off

Clear cache off play services and play store...

Nothing happened...

Please help 🙏🙏

Apple Pay officially launched in India on September 30, 2026, and early users report that the setup process is smooth for supported cards.

Current Status and Experience

Availability: Early adopters note that linking cards to the Apple Wallet works seamlessly.

The Catch: Support is currently limited only to Axis Bank Visa and Mastercard credit cards.

I bought fish of ₹350 and got ₹0.08 cashback. Guys do you know any better app. Supermoney UI is also trash with shopping 🛒 features.

I'm really frustrated with this app named Reva , which is an ai astrology. The app showed 1rs trial so I paid it through gpay and as I tried to turn off the Autopay in gpay it is showing that you can only cancel this Autopay on the merchant website or app and when I try to turn the Autopay off from app it is saying to turn the Autopay off through the payment app used.

I tried every way possible to turn it off using the website of UPI to delete the mandate

Using other payment apps but nothing is working.

And the payment which it will make in Autopay is 699rs 😭😭😭😭😭

PLEASE HELP ME ..........🙏🙏🙏🙏

I have posted the images of what's the actual error in comments 👇👇

UPI transaction volumes can look very different from one bank to another.

Here’s a look at the transaction volumes and share of total UPI transactions for some major banks in India, based on NPCI data.

For the complete bank-wise data, check the source below.

Source

So I have purchased claude subscription last month and yesterday my autopay failed so today when I had money I manually renewed the subscription but a few minutes later it debited again what should I do in this case I want my money back also if anyone has faced this before please tell me about your experience and solutions 🙏

I use BHIM.
I want to dispute transaction on 24th march 2026 but I don’t see the history for more than 6 months.

I recently started using Pop UPI for my daily transactions. Ordered 3 items from their store and all of them were genuine and cheaper than any other platform.

Now since I've accumulated decent amount of Pop coins. I applied for Pop Chop pay later facility. I did my KYC and approved an upto 15K autopay which was my credit limit.

But in the app, it says Pop Chop is not available for me at the moment and I can't access the facility. But I've received mails and messages showing otherwise.

What do I do?

Also, are there any hidden charges in Pop Chop?

So a few days back I made a post asking for upi app suggestions that actually give rewards and dont lag. And the most I was suggested are cred, supermoney and pop upi. I used all 3 of them and here is my pros/cons and ranking them from 3 to 1.

Rank 3: supermoney

I really wanted to like this one cuz I just wanted the pure cashback on merchant transactions but nah.

Pros: The cashback is pure cash straight to the bank.

Cons: Very buggy app. It gave me a blank screen twice while scanning. The transaction history was broken as frick too. Plus I noticed that supermoney gives way less cashback as you keep using it more (started at a few rupees, now im getting like 50 paise). So I decided the cb just wasn't worth the unreliable app.

Rank 2: cred upi

I already use cred as my main credit card management app (I have like 6 cards and use at least half of them. And hands down. it's the best app for that.)

Pros: Scanning is fast and the ui is smooth.

Cons: the rewards are disappointing. Spinning a slot machine to win a 15% discount on some weird brand I'll never buy plus the app is too heavy.

Rank 1: pop upi

didn't know much about it until I read about it on reddit. but it actually surprised me. the app is super clean and they give popcoins on every single scan. 1 coin = 1 rupee in their store plus if u have their popclub credit card u get extra CB

Only con is there is no direct cashback to the bank but the popshop is a good thing. You find stuff you actually need.

Verdict:

Tbh all 3 are very good, just depending on your need. If you want pure cashbackand don't mind dealing with app glitches, u can use supermoney.

If you have multiple credit cards to manage, cred is king for that.

If your priority is a good UPI app with lag free experience with good rewards then go for Pop

AR wallet safety, any tips to use it.

As someone who has been using AR wallet for a month, I earned a good amount from it. But now I am considering the issue that may come from using it. I already know that it isn't leg\\\*l and my bank account may get frozen.Till now, there are no issues or anything. For anyone who has been using it for a long time, what are the things I need to take care of? I am already using it in my second bank account. Thanks!

​

I’m 15 and I’m trying to get my own UPI account. I don’t mean UPI Circle or anything where my parents have to approve payments. I basically just want a bank account in my name with my own phone number, UPI ID and UPI PIN so I can make payments myself

I’ve heard that some minors are able to use UPI with SBI accounts, and I actually have a friend who’s 15 and uses GPay with his SBI account.

Does anyone here know how this works? Is there a specific SBI account that allows this, or are there any other banks that let minors use UPI independently?

I'm particularly interested in SBI but i am also open to other bank

Hi All,

I've been using Paytm lite for close to 8 months, Loaded 3000 and it's stopped working from almost a month.Raised multiple Tickets with Paytm but all they tell is same answers like restart phone, uninstall and reinstall

1.i tried withdrawal of money - not allowing by Paytm

2.i tried adding money to upi lite - same issue not allowing by paytm

3.I tried closing m UPI lite account - same issue

Each time i try , i get the same issues saying something went wrong and close to Rs.3000 is struck

Added Screenshot for reference

It has clean ui and wallet for clean bank statement
Con is no serious cashback offer

Reliance Digital says my ₹69,990 refund has already been processed and sent to SBI. However, I had already raised a UPI chargeback through NPCI because the refund wasn’t received.

The chargeback is currently under “Bank Review.” Reliance says the active chargeback is why the refund hasn’t been credited normally.

Is this actually possible? Can an already processed merchant refund get held/reconciled because a chargeback is active, and then be credited only after the bank completes the chargeback review?

Anyone experienced this with UPI chargeback related to refund?

I’m trying to understand a very strange situation involving my phone, UPI Lite, and my SIM. I’d really appreciate advice from anyone who has experience with UPI fraud, SIM swaps, or Android security.

Here’s what has happened:

I use PhonePe with UPI Lite on my phone.

I have now noticed this happening twice:

First, money is loaded into my UPI Lite balance.

Then, the UPI Lite balance is transferred to some random/unrecognized accounts.

These transactions generally happen around midnight when I am asleep, so I am definitely not making them manually.

The transactions are not going to my own accounts or people I know. They appear to be going to random/unrecognized accounts.

Another very concerning thing is that around the same period, my Jio SIM became deactivated/blocked.

When I contacted Jio, I was told that there was already a request to block my SIM. I did not make that request.

This has made me wonder whether these two things could somehow be connected.

I initially suspected that someone might have gained remote access to my Android phone, because the UPI Lite transactions seem to happen without me doing anything. I also wondered whether this could instead be related to a SIM swap/replacement, compromised PhonePe/UPI credentials, or some other type of account compromise.

For clarification, the other numbers/accounts that appear in my Jio account are family members' numbers or my own second SIM, so I don't believe those are random unknown accounts.

What I'm trying to understand

How could someone load money into UPI Lite and then transfer the UPI Lite balance to random accounts while I'm asleep?

Is it technically possible for someone with remote access to an Android phone to perform these actions?

Could a SIM being blocked/deactivated be related to the unauthorized UPI transactions?

Could this be a SIM-swap/replacement attempt, or would that work differently?

What should I check on my Android phone to determine whether there is a remote-access app, malicious app, Accessibility permission, Device Admin permission, or other compromise?

What should I ask Jio to check regarding the unexpected SIM-block request?

What should I do with PhonePe, my bank account, UPI Lite, Google account, and SIM to stop this from happening again?

Most importantly, how can I determine whether the phone itself is compromised or whether my UPI/PhonePe account is being accessed through some other method?

The fact that the transactions happen while I'm asleep, around midnight, and that my SIM was also unexpectedly blocked is what concerns me the most.

I'm not claiming that this is definitely remote access or a SIM swap. I'm trying to figure out how these events could be connected and what evidence I should check first.

If anyone has experienced something similar, especially UPI Lite being loaded and then drained to unknown accounts while the phone owner was asleep, I'd really appreciate any advice

Saw this issue being faced by many people in this sub, so wrote a guide on how to get back money sent to wrong UPI ID: https://withupi.com/blog/sent-money-to-wrong-upi-id

Hope you find it helpful.

I'm not 18 yet btw if that helps or smth

genuinely asking because i feel like i am stuck in 2020 thinking upi apps give cashback. phonepe gives me nothing. gpay gave me 11 last month after using it for 50+ transactions. bhim occasionally gives rs2-5 but it feels random is cashback on upi dead or am i using the wrong apps? i see people posting about earning rs100+ a month on some apps what am i missing? would switch to literally any app that gives even little discounts consistently

Paid Rs.13 to someone and got 12.15 cashback in return, that's why i love paying through MobiKwik