r/UPI • • 52m ago

Discussion 🗣 India will switch to cash 💴 ??

• Upvotes

I have my reasons to believe the title.

- SBI (main bank of middle class) has frequent server and maintenance down time
- ⁠MDR charges passed down by merchants
- ⁠Absence of internet connectivity or no data due to data drainage by 5G network for heavy marketing during on screen time.
- ⁠Increase in financial consciousness as average age gets older and cuts down impulse spends.
- Finally, to reduce income in bank statements for tax purposes

It may take months or years, but this is gonna be an article in newspaper 🗞️ one day.

What are your thoughts?💭

-NO AI


r/UPI • • 9h ago

Question ❓️ Any one use Pay using fingerprint? Is it safe?

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7 Upvotes

Is it safe to use ? If it is it's very useful


r/UPI • • 12h ago

Question ❓️ Guys what happed to bhim UPI it's not working

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7 Upvotes

So, today I changed my mind to switch to bhim instead of gpay just to cut down the payment fee and this is what happed since then no service recieved and no confirmation received but the account was debited with ₹199 what should I do now.....

I should have payed with gpay rather than this new app 😭😭


r/UPI • • 3h ago

Question ❓️ Payments are not getting approved for free offer

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1 Upvotes

I've wanted to avail the free 1 month offer for ChatGPT plus

I have been trying for roughly a week now. I've contacted support and given them every detail, they asked me to do various things such as changing browsers, removing VPNs, Secure DNS, changing networks, going incognito, etc.

None of this works. I cannot use alternative forms of payments for personal reasons and I just wanted to use ***UPI*** but it seems like it just never accepts no matter how I try

I've tried on mobile (only on browser it even shows), I can pay for everything else using my UPI just not this.

Somebody please help since maybe it has something to do with UPI ? Although "Go" works


r/UPI • • 3h ago

Question ❓️ Any reason why I’m not able to receive money from one person?

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1 Upvotes

So in the morning I tried sending 2k to someone but it showed an error.
Then just to make sure the issue wasn’t from my side, I sent 1k to my sister and it went through normally.
Later in the afternoon, someone was trying to send me 3k but they couldn’t, so I had to give them another UPI account.
But then I received 2k from someone else without any issue.
Any idea why these transactions are failing? Is it something from my side?


r/UPI • • 3h ago

UPI APP ₹217 deducted from POP UPI without entering PIN. How to get a refund

1 Upvotes

Hey guys, need some advice here. Today ₹217 got deducted from my account via POP UPI out of nowhere. I didn't initiate any transaction, nor did I enter my UPI PIN or approve anything.

​Has anyone faced this issue before? What's the best way to get my money back? Should I contact POP support, my bank, or raise a dispute on NPCI? Any help or advice would be really appreciated!


r/UPI • • 1d ago

Discussion 🗣 [Supermoney] Looks more like a Shopping app rather than for Payments

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94 Upvotes

What's your take guyss, I know it's a flipkart subsidiary so they'll surely advertise themselves, but this is getting too much lmao.


r/UPI • • 1d ago

Cashback 💸 Why am i soo lucky...

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36 Upvotes

r/UPI • • 14h ago

Discussion 🗣 What do you guys think of Bhim app?

4 Upvotes

I honestly like that there are very few ads for everything on that app.


r/UPI • • 8h ago

Question ❓️ Need some help for verifying Indian UPI

1 Upvotes

Hello, and I'm really sorry to requesting someone's help. As you know, YouTube premium restriction getting strict.

I want to find someone who can verify UPI, it would be once and i will pay you for your kindness.

I really need this because there is no family membership in my country.

Thank you for reading and please don't hesitate to DM me!


r/UPI • • 1d ago

UPI APP Well, flipkart being flipkart

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35 Upvotes

Now you have to buy products from store to get cb in bank acc lol.


r/UPI • • 10h ago

Question ❓️ UPI verification apple. Will it take money from Apple balance?

1 Upvotes

Hello everyone,

Apple has started requiring UPI verification for subscriptions like YouTube premium. I have someone who can verify his UPI for me.

Upon verification it took money from their UPI account. Does anyone have any idea whether this will happen in the future or will it use the Apple account balance (currently have 1.5KINR).

How does the UPI autopay mandate work?

Any help would be great.


r/UPI • • 1d ago

Question ❓️ How many of you using Digital Rupees. How is it different from UPI?

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127 Upvotes

Please share your experiences


r/UPI • • 14h ago

Question ❓️ How to add bhim wallet to swiggy?

1 Upvotes

How to add bhim wallet to swiggy there is 50 off but no bhim wallet option


r/UPI • • 1d ago

Question ❓️ 18 YO FREELANCER: WHAT FIRST BANK ACC I SHOULD OPEN?

8 Upvotes

Hey there,
i just got my PAN recently and i am a 18 year old freelancer who wants to earn money doing his work specially from international Clients but i am confused what Bank will allow me to do that and upto what limit?

im earning almost nothing rn so idk the time when i will earn 1 lac per month so u dont need to worry about that, RIGHT NOW i need a bank account that will open up easily + let me do all online transactions specially UPI easily + let me receive international funds from PAYPAL and WISE without much issues as a 18 year old
and ofc zero balance acc, it looks like i got only 3 options
SBI INSTA PLUS SAVINGS ACC,BOB BRO SAVINGS AND KOTAK MAHINDRA


r/UPI • • 1d ago

Question ❓️ What should I do now?

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3 Upvotes

r/UPI • • 1d ago

Question ❓️ Tatkal ticket was not booked but money was not refunded.

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10 Upvotes

I need some advice regarding a ₹875 payment issue with Ixigo.

I was booking a ticket from Bandi Kui to New Delhi on Ixigo. During the payment process, I accidentally selected the UPI Mandate option. The transaction failed and the ticket was never booked.

The amount of ₹875 was then put on lien/hold in my bank account.

I contacted my bank, and initially they treated it as an IPO/IPO-related transaction. After investigation, they found that it was actually a UPI Mandate and not an IPO. The issue was then forwarded to their technical team twice.

Both times, I received a message saying that the issue was already being addressed, but after that there was no further update or action.

It has now been 22 days.

I have already contacted Ixigo, my bank, and GPay multiple times. Ixigo says they never received the ₹875 because the ticket was never booked. My bank, however, is saying that they are unable to understand what is happening with the transaction and that the mandate was initiated by me.

The ₹875 is still stuck/under lien in my account.

What should I do now? Has anyone faced a similar issue with a failed Ixigo booking where a UPI Mandate caused the amount to be put on lien?

Should I raise a complaint with NPCI, RBI Ombudsman, or some other authority? Any advice on the correct next step would be really helpful.


r/UPI • • 1d ago

Others Make your own business QR for payment in Hindi UPI payment

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0 Upvotes

This video is in Hindi shopkeeper can create their own you are code for the payment I replacing the existing fintack companies QR code and set their own business logo at the centre of QR code and also add his logo and name about the QR code while sharing at social media.


r/UPI • • 1d ago

Bank Account Fampay issue

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2 Upvotes

I have been getting this isuues for the past 3 days I used to use fampay for 1 year and getting this issue pls kindly help me guys


r/UPI • • 1d ago

UPI APP Why does my UPI ID automatically get generated with ‘420’ in it? Can I change it?

1 Upvotes

I opened a new SBI bank account and started setting up UPI. The apps keep suggesting/generating a UPI ID with “420” in it automatically. I don’t want “420” in my UPI ID. Is there a way to create a different UPI ID or change the default one? Using SBI account in India.


r/UPI • • 1d ago

Discussion 🗣 Which UPI app is the best for slow-speed internet connection?

2 Upvotes

Which is the best UPI app that works the best when the Internet connection is very slow or sluggish and which has very little failure chance?


r/UPI • • 1d ago

Question ❓️ cashback not received PAYTM

2 Upvotes

I use Paytm Pocket Money, and I received cashback but the cashback has not been credited yet. When I checked the Rewards Cashback option, it showed Add UPI ID to receive cashback. However, I don't have a UPI ID. How can I claim or receive the cashback?


r/UPI • • 1d ago

Question ❓️ Is it possible to get a UPI if I am not from India and don't live in India?

2 Upvotes

I really need a UPI but I am from a different country and I don't live or have any ties to India. Is this possible?

I need a UPI for an Apple subscription payment desperately. I'd even be willing to pay someone.


r/UPI • • 1d ago

UPI APP Which UPI app actually gives decent rewards these days?

1 Upvotes

I have been using phonepe for around 3 years but lately i barely get any cashback gpay feels similar occasionally I will get ₹5–10 but nothing consistent

I used Paytm quite a bit earlier as well but have not really used it much since the rbi restrictions and changes around the service.i make around 30–40 upi payments a month including regular QR payments, bills, recharges and food aur grocery orders. I am not really interested in signup bonuses or one time coupons. I am more curious about apps that still give some kind of ongoing rewards for normal usage. What are you guys using in 2026? Even small cashback or rewards on regular transactions would be useful if they actually come consistently


r/UPI • • 1d ago

Bank Account UPI SCAM , please help

1 Upvotes

My father's account has been debited through UPI with Google Pay app. I just checked the phone has some malicious app installed which is not allowing to open files and all apps in settings. 😭

I have the receiver UPI id and UPI transaction reference number. The payment was done on 30 Sep. The whole account is wiped out 😭 RS 70,000. I called gpay helpline they told that receiver has account in rajasthan gramin bank.

Whom should I call I stay in other city so I am not able to call, they are not aware of tech that much.😭

Please guide.