About Bharat Interface for Money

All you need to know about UPI

  • What is UPI?
    Unified Payment Interface(UPI) is an instant payment system developed by the National Payments Corporation of India (NPCI), an RBI regulated entity. UPI is built over the IMPS infrastructure and allows you to instantly transfer money between any two parties bank accounts.
  • What is an UPI-PIN?
    UPI-PIN (UPI Personal Identification Number) is a 4-6 digit secret code you create/set during first time registration with this App.You have to enter this UPI-PIN to authorize all bank transactions. If you have already set up an UPI-PIN with other UPI Apps you can use the same on Bharat Interface for Money. (Note- Banks issued MPIN is different from the UPI UPI-PIN, please generate a new UPI-PIN in the Bharat Interface for Money app) Note - Please do not share your UPI-PIN with anyone. Bharat Interface for Money does not store or read your UPI-PIN details and your bank's customer support will never ask for it.
  • What is a Payment Address?
    Payment Address is an Address which uniquely identifies a person's bank a/c. For instance, the Payment Address for Bharat Interface for Money customers is in the format xyz@upi. You can just share your Payment Address with anyone to receive payments (no need for bank account number/ IFSC code, etc.). You can also send money to anyone by using their Payment Address. Note - Do not share your confidential UPI PIN with anyone.
  • What happens if I enter wrong UPI-PIN during a transaction?
    No problem, the app will prompt you to re-enter the correct UPI-PIN. The maximum number of tries allowed, depends on your bank. Please check with your bank for details.
  • I have selected the Bank name to link with UPI but it does not find my bank a/c.
    In such a case, please ensure that the mobile number linked to your bank account is same as the one verified in Bharat Interface for Money App. If it is not the same, your bank accounts will not be fetched by the UPI platform. Also only Savings and Current bank accounts are supported by Bharat Interface for Money.
  • Why is my UPI transaction failing?
    When you shop-online, you can pay through UPI when you see UPI as a payment option. On clicking that, you will need to enter your Payment Address (xyz@upi). Once entered, you will receive a collect request on your Bharat Interface for Money app. Enter your UPI-PIN here and your payment will be complete. As easy as this!
  • Do I need to be a customer of a particular bank to use Bharat Interface for Money?
    To enable transfers directly using your bank account, your bank needs to be live on UPI (Unified Payment Interface) platform. All the banks, which are currently live on UPI, have been listed in the Bharat Interface for Money app.
  • How do I set the UPI-PIN for my bank account from Bharat Interface for Money?
    You can set your UPI PIN by going to Main Menu -Bank Accounts -Set UPI-PIN for the selected account. You will be prompted to enter the last 6 digits of your Debit/ATM card along with the expiry date. You will then receive an OTP which you will enter and set your UPI PIN. Note - 'UPI-PIN is not the same as MPIN provided by your bank for mobile banking'. For Maestro card, kindly contact your bank for expiry date.

Send and Receive Money

  • Can I send money to anyone using Bharat Interface for Money?
    Yes, you can send money using the Bharat Interface for Money app from your UPI enabled bank account. You will need to register and set a UPI PIN using the debit card details linked to the bank account. If your beneficiary’s bank account is also linked to UPI, you can simply use their mobile mobile number or Payment Address to transfer.If not, you can use IFSC code, Bank account or MMID , Mobile number to send money.
  • Do money transfers happen on Bharat Interface for Money only during banking hours?
    All payments are instant and 24/7, regardless of your bank's working hours!
  • I have paid for my transaction but not received anything. Why is that?
    Once you complete a transaction, you should see a success status on the Bharat Interface for Money screen and receive an SMS from your bank. In some cases due to operator issues it can take longer time. In case you have not received your confirmation within an hour please contact customer support at your bank or you can lodge complaint from the BHIM App itself by using “report the issue” option that is available for a failed transaction.
  • How can I view my transaction history?
    Go to Bharat Interface for Money Home Screen ->Transaction History. to view all your past and pending transactions.
  • How do I send money?
    From the Bharat Interface for Money app Home screen,
    1) Click Send Money Option;
    2) Enter or select the receiver's mobile number or Payment Address (you can select from your contact list or enter it) or Aadhaar number
    3) Enter the amount you want to send
    4) Your default bank a/c gets selected
    5) Enter UPI PIN and send
    Alternately, you can also scan a QR code and pay via the 'Scan & Pay' option.
  • How do I request money?
    From the Bharat Interface for Money app Home screen,
    1) Select Request Money
    2) Enter or select the receiver's mobile number or Payment Address (you can select from your contact list or enter it) or Adhaar number
    3) Enter the amount you want to request
    4) Click Send
    This transaction will remain pending until the payment is received. You will be notified when the money is transferred to you. You may also request money by sharing your QR code. Goto Home Screen->Profile->Choose account to get QR code
  • Can I send money to a friend not on Bharat Interface for Money?
    Yes. Payment can be made via (IFSC, Account number) or (MMID, Mobile number) if the person is not registered on Bharat Interface for Money.
  • What types of transactions can I do using Bharat Interface for Money?
    Through Bharat Interface for Money you can make following type of transaction,
    1. Request or Send Money via Payment Address
    2. Send Money to Aadhaar Number
    3. Request or Send Money to Mobile number
    4. Send Money through MMID , Mobile No.
    5. Send Money through IFSC code, Account No.
    6. In addition, you can use the scan and pay option for Merchant payments.
  • How do I access a record of all my historical transactions?
    Every transaction through your bank account will be recorded by the Bank and you can view all your past transactions in the 'Transaction History' section on the Bharat Interface for Money App.
  • My send money transaction is failing, help!
    To avoid transaction failures,
    1) Ensure that the UPI-PIN is entered correctly.
    2) If the receiver is not on Bharat Interface for Money choose to pay via IFSC instead of mobile number.
  • The collect request is not reaching the Bharat Interface for Money app. What do I do?
    In this case, please first check the data connectivity. If you have entered your Payment Address at the merchant app, please re-check your Payment Address and re-try the transaction. Please check your pending transactions tab to check if the collect request has reached you.
  • How will I know if my UPI transaction is successful?
    For any transaction, you will see a status instantly on your screen. If for some reason the transaction is delayed or pending, the result will be posted on your Transaction History page along with a UTR# or bank reference number. In addition you will receive an SMS from your bank.