To set up UPI in India, install a trusted UPI app, verify the mobile number registered with your bank, link your account, and set a UPI PIN if prompted. For your first payment, check the recipient and amount in the app before authorizing it, then verify the result in your own app and bank channel. The steps below use BHIM as an example; screens and requirements can differ by app and bank.
How do I set up UPI?
- Choose an app from its official app-store listing. BHIM is one example; NPCI lists Android and iOS support on its BHIM UPI app page. Do not install an app from a link sent by a stranger.
- Verify the mobile number registered with your bank. In BHIM, select the SIM that carries that number, then create the app passcode when prompted. The passcode unlocks the app; it is not your UPI PIN.
- Link your bank account. Select your bank in the app and follow its verification prompts. Available accounts depend on the mobile number verified by the app and your bank’s support for UPI.
- Set a UPI PIN if you are prompted. NPCI says BHIM’s first-time PIN setup uses the last six digits and expiry date of the debit card. Requirements and setup options may differ in other apps or banks. A UPI PIN is not the same as a bank-issued MPIN or your debit-card PIN.
Keep the UPI PIN private. NPCI’s UPI FAQ says, “Please do not share your UPI-PIN with anyone,” and that “your bank’s customer support will never ask for it.”
How do I link my bank account to UPI?
Open the app’s bank-account or payment setup section, choose your bank, and complete the in-app verification. In BHIM, the app checks the mobile number on the selected SIM against the number linked to your bank. Follow the app’s prompts to choose an account and create a UPI PIN if needed. Do not share one-time codes, PINs, or other authentication details with anyone who contacts you.
Why is my bank account not showing in the UPI app?
- Check that the number verified in the app is the same mobile number registered with your bank.
- If using BHIM, confirm you selected the SIM carrying that number.
- If the number matches and the account still does not appear, contact your bank or the app provider to check account eligibility and service availability.
NPCI identifies a mismatch between the verified number and the bank-registered number as a reason an account may not appear. App and bank eligibility can vary.
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How do I make my first UPI payment?
- Choose the app’s option to send money or scan and pay. Enter the recipient’s UPI ID, or scan a QR code you have a reason to trust.
- Before proceeding, read the recipient details and amount shown in your app. Stop if either is wrong or unexpected.
- Enter your UPI PIN only to authorize the payment you intend to make. You do not need to enter a PIN just to receive money.
- Wait for the transaction status in the app, then check your bank’s confirmation channel. Do not rely on a screenshot sent by the other person as proof of payment.
How can I tell if a UPI payment went through?
Check the transaction’s status in your UPI app and look for the corresponding bank confirmation, such as an SMS. NPCI’s FAQ describes the app’s success status and bank SMS as confirmation routes. A screenshot from the recipient does not confirm what happened in your account.
How do I avoid common UPI scams?
- Never disclose your UPI PIN. A caller claiming to be from your bank or support team should not need it.
- Be wary of unexpected rewards. Do not follow unsolicited links or scan unfamiliar QR codes that promise a reward and ask you to enter your PIN. NPCI describes this tactic on its fraud-awareness page.
- Distinguish receiving from paying. Do not enter your PIN because someone says it is required to receive funds; use it only to authorize a payment you chose to make.
- Check the payment details on your screen. Confirm the recipient and amount before authorization, and verify completion in your own app and bank channel.
What should I do if a UPI payment failed but my account was debited?
Save the transaction details and check its status in the app. NPCI says a failed transaction should reverse and advises contacting the bank if the refund has not arrived within an hour. That timing is guidance for the failure case described in its FAQ, not a guarantee that every failure or bank follows the same timeline. For a debit marked pending because of a beneficiary-bank delay, NPCI says the amount may reach the beneficiary within 48 hours; that timing applies to that described case, not all pending payments.
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If the issue remains unresolved, raise or track a grievance in the participating UPI app, contact your bank, or use NPCI’s complaint portal. Keep your transaction details and complaint reference number.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What if I forget my UPI PIN or lose my phone?
Forgotten PIN
NPCI says a forgotten UPI PIN can be regenerated using debit-card details. The precise flow and requirements depend on the app and bank; follow the reset option in your app, and never share the new PIN with anyone.
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Lost phone or changed SIM
Contact your bank and mobile provider promptly after losing your phone, and follow their instructions to protect the account and restore access. NPCI says a changed SIM, mobile number, or PSP app requires re-registration for UPI.
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