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You can pay through UPI in three common ways: scan the recipient’s QR code, enter the recipient’s UPI ID (also called a VPA), or select UPI during an online merchant checkout. In every case, verify the payee and amount shown in your UPI app before entering your UPI PIN. The PIN authorizes money leaving your bank account; it is never needed to receive money.
What you need before making a UPI payment
UPI payments are made from a UPI-enabled mobile app connected to your bank account. The exact menus differ between apps and banks, but the underlying requirements are usually the same:
- A UPI-enabled app installed on your phone.
- A bank account that supports UPI.
- The mobile number verified in the app matching the number registered with your bank. NPCI states this requirement in its UPI FAQ.
- The SIM associated with that bank-registered number available during setup when the app requests verification.
- A UPI PIN set for the account you intend to use.
- One of the payment details needed for your chosen route: a displayed QR code, the recipient’s UPI ID/VPA, or an online merchant checkout that offers UPI.
For example, NPCI’s BHIM setup flow asks you to select the SIM linked to your bank-registered number, link a bank account, and set a UPI PIN. Treat those as BHIM’s screens rather than universal labels: another app may use different wording or combine steps. See the NPCI BHIM app guidance for that app’s documented setup.
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| Route | What you have | Where payment starts | What may be prefilled | Typical use |
|---|---|---|---|---|
| QR code | A QR displayed by a shop, person, bill, or other payee | Your UPI app’s Scan or Scan & Pay feature | The payee’s UPI details and, when encoded, the amount | In-person payments or a QR shown on another screen |
| UPI ID/VPA | The recipient’s payment address | Your app’s Send Money or UPI ID/VPA option | Payee details after the ID is checked; amount is normally entered by you | When the recipient gives you an ID instead of a QR |
| Online UPI checkout or payment link | A merchant checkout that offers UPI, sometimes reached through a link | The merchant’s website or app, then your UPI app when authorization is requested | The merchant and order amount shown by the checkout or authorization request | Online purchases, bills, bookings, and other merchant payments |
None of these routes is automatically safer or faster in every situation. The important control is the same: read the recipient and amount in the authorization screen before approving.
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How do I pay using a UPI QR code?
Use this route when the payee has displayed a QR code. NPCI describes UPI QR as a payment mode and says merchant information such as a UPI ID and amount can be encoded in the QR. The app therefore may fill some details automatically, but you must still inspect them.
Step 1: Open the scan feature
- Open your UPI app and unlock it if required.
- Choose Scan, Scan & Pay, or the equivalent QR option. The label varies by app.
- Allow camera access if the app asks for it.
Step 2: Scan the payee’s code
- Point the camera at the complete QR code. Keep the code flat and visible, and avoid glare or a cropped edge.
- Wait for the app to read the code and open a payment screen. Do not approve a transaction merely because the code scanned successfully.
Step 3: Check the destination and amount
- Read the recipient or merchant name and the UPI ID shown by the app. If the name does not match the person or business you intended to pay, stop and ask the payee to confirm the correct code.
- Check the amount. A QR may include an amount, or the app may ask you to enter it. If you enter it yourself, type the amount carefully and review the currency value before continuing.
- Look for any order or bill reference displayed by the merchant and make sure it corresponds to your purchase.
Step 4: Authorize only after the review
- Select the bank account if the app offers more than one funding account.
- Enter your UPI PIN only when you are satisfied that the payee and amount are correct. The PIN authorizes the debit from your account.
- Wait for the result screen and retain the transaction reference shown in the app.
If the scan opens an unexpected payee, closes repeatedly, or shows an amount you did not expect, cancel it rather than trying to “fix” the payment by entering your PIN.
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How do I pay using a UPI ID?
A UPI ID, also called a virtual payment address (VPA), lets you send money without scanning a code. NPCI’s BHIM information lists sending money by UPI ID, and its UPI FAQ uses a payment address as an example of an online payment method.
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- Open your UPI app.
- Select Send Money, Pay, or an option specifically labelled UPI ID or VPA.
- Choose the bank account from which you want to pay if prompted.
Step 2: Enter the address exactly
- Type or paste the recipient’s UPI ID. Avoid adding spaces or changing punctuation.
- Use the app’s Verify, Check, or equivalent action if available. Let the app retrieve the payee information before entering an amount.
Step 3: Confirm the payee and amount
- Compare the displayed name or account information with what the recipient told you. A correctly formatted ID can still belong to the wrong person, so do not skip this check.
- Enter the amount and review it digit by digit. If you are paying an invoice or order, compare any reference shown in the app with the recipient’s request.
Step 4: Authorize and record the result
- Enter your UPI PIN on the authorization screen only after the destination and amount are correct.
- Wait for the success, failure, or pending status. Save the transaction reference or screenshot if the payment relates to a bill, purchase, or reimbursement.
If the app cannot find the ID, ask the recipient to resend it exactly as registered. Do not substitute a phone number or a different address unless the recipient confirms that it is the intended UPI destination.
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How do I pay through a UPI payment link?
Use this route when an online merchant offers UPI at checkout or sends a payment link. The exact interaction is not identical for every merchant, bank, or app. NPCI documents an online flow in which you enter a payment address and receive a request in the BHIM app to authorize it; that documentation does not establish that every payment link opens the same screen or follows the same sequence.
Step 1: Start at the merchant’s checkout
- Review the order, bill, or booking on the merchant’s website or app.
- At payment selection, choose UPI or the equivalent UPI option.
- If the checkout asks for a payment address, enter your UPI ID and submit it. Some services instead show a button, QR, or handoff to a UPI app.
Step 2: Follow the authorization request
- Open the UPI app or notification requested by the checkout. Depending on the merchant and app, the request may appear as an in-app authorization prompt, a notification, a QR instruction, or another documented handoff.
- Check the merchant name, amount, and any order reference in the authorization screen. Make sure they match the checkout you just reviewed.
- Enter your UPI PIN only to authorize that payment. If the request shows a different amount or an unfamiliar payee, decline it and return to the merchant’s support channel.
Step 3: Wait for both confirmations
- Wait for the UPI app to show the transaction result.
- Return to the merchant page and confirm that the order status has updated. Keep the UPI transaction reference if the merchant page remains pending.
A link received unexpectedly by text, email, or social media deserves extra caution. Do not assume that a link is a refund, reward, or receipt simply because it uses UPI branding. Open a payment request only when you independently recognize the merchant and the amount.
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How to set up UPI for the first time
Setup labels differ, but the sequence generally connects your phone number, bank account, and UPI PIN.
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- Install a UPI-enabled app from your phone’s official app store and open it.
- Allow the app to verify the mobile number registered with your bank. If the phone has two SIMs, select the SIM associated with that bank number when the app asks.
- Choose your bank from the list and select the account to link. The account must be associated with the verified mobile number.
- Set a UPI PIN when prompted. Some banks use information from your debit card or another bank-defined verification step while creating the PIN; follow the instructions shown by your bank.
- Make a small, intentional payment only after the app shows that the account is linked and the PIN setup is complete.
If verification fails, first confirm that the bank-registered SIM is active in the phone and that the number in the app matches the bank’s records. Because banks and apps implement setup differently, use the app’s support route or your bank if the account cannot be linked.
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UPI PIN and QR-code safety rules
NPCI’s official warning is direct: Please do not share your UPI-PIN with anyone.
The PIN is confidential, and bank support should not ask you to disclose it.
- A QR scan followed by a PIN entry sends money. It is not a method for receiving a refund, prize, cashback, or reward.
- Never share the PIN by phone, chat, email, screen share, or form. A legitimate support representative does not need to know it.
- Do not approve an unexpected collect or authorization request. Read the payee and amount first; decline requests you cannot identify.
- Do not let another person control your payment screen. If someone tells you to install a remote-access tool or read out an OTP or PIN, stop the interaction.
- Use the app’s own scanner and confirmation page. Avoid entering a PIN on a page reached through an unsolicited message.
NPCI publishes fraud guidance at its Fraud Awareness page and includes QR- and link-related warnings. If you have already authorized a suspicious payment, contact your bank immediately through an official channel and provide the transaction reference.
What to do when a UPI payment is pending or unclear
UPI payments are designed to be instant and available 24/7, but a confirmation can still be delayed by the app, bank, merchant, or network. When the result is unclear, do not make a second payment immediately.
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- Check your bank’s notification or account statement for the same transaction reference and debit.
- Check the merchant’s order page or ask the recipient whether they received the payment, giving the reference rather than authorizing another transaction.
- If you still have no confirmation within an hour, contact your bank, as advised in NPCI’s UPI FAQ. Provide the date, amount, payee, and transaction reference.
- Follow the bank or app’s dispute process if it instructs you to raise a complaint. Keep screenshots and notifications until the status is resolved.
Repeating a payment while the first one is pending can create a duplicate debit. Verify the first status with the app and bank before trying again.
Quick checks before you tap “Pay”
- Is the payee name the person or merchant you intended?
- Does the displayed UPI ID or payment address match the one supplied by the recipient or merchant?
- Is the amount correct, including extra zeros and decimal places?
- Did the request come from a checkout you intentionally started?
- Are you entering the PIN inside your trusted UPI app, not to receive money or unlock a reward?
- Have you noted the transaction reference if the payment is for a bill, order, or reimbursement?
Choosing between QR, UPI ID, and online checkout
Choose the route that matches the information you can verify. Scan a QR when the payee is present or has provided a code you can inspect. Use a UPI ID when the recipient gives you a confirmed payment address. Use the merchant’s UPI checkout for an online purchase so the order amount and payment request remain connected. In all three cases, the final authorization screen is the point at which you confirm where the money is going.
Quick Recap
Official guidance
- NPCI UPI Frequently Asked Questions — payment methods, online authorization, timing guidance, and the instruction not to share your UPI PIN.
- NPCI Fraud Awareness — warnings about fraudulent links, QR codes, and requests for PINs.
- NPCI BHIM UPI App information — an example of account linking, mobile-number verification, and PIN setup.
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