Important Points to Know about Unified Payment Interface (UPI) 

Unified Payment Interface |What is Unified Payment Interface | Unified Payment Interface Meaning | Unified Payment Interface India | Unified Payment Interface SBI | Unified Payment Interface NPCI | Unified Payment Interface (UPI)

Today I am writing a post on UPI (Unified Payment Interface). Because I’ve been watching for a long time, and there was a demand from readers on my blog to tell them about UPI in detail. Keeping that in mind, I am writing this post.

If seen, UPI is a kind of financial revolution that rapidly takes the Indian economy toward a cashless economy. In which you need only and only one Virtual Private Address to make or receive any payment. UPI is acting as a medium to take the Indian economy towards cashless. In this, you do not need to remember the details of many accounts, and most people do not remember their account number or their IFSC Code.


I have done a thorough study of various UPI applications in the last few days. I downloaded all Unified Payment Interface (UPI) apps available on Google Play Store, i.e., the Android platform. I also looked for UPI Apps on the Apple Store but found that there is no UPI app available on iOS. I am sure it will be available shortly.

Keep in mind that Unified Payment Interface (UPI) at the macro level is not as simple as the people believe it. Apart from some technical glitches, you will not face any other issues while using UPI Applications. During the initial phase, it is understood that almost all UPI mobile apps are similar in inflow, functionality, and features, which makes it seem that the same developer develops virtually all the UPI apps of PSU banks.

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Important Points About Unified Payment Interface (UPI)

Some essential points of UPI or Unified Payment Interface that you should remember while using –

1. Mobile number and bank account number 

As a layman, my conclusion is that the mobile number registered with the bank is the basic premise of using UPI applications. Unified Payment Interface (UPI) cannot be used without a mobile & Bank Account. The IMPS (Immediate Payment Service) infrastructure is used by the National Payment Corporation of India (NPCI-National Payment Corporation of India) to build the Unified Payment Interface (UPI) functionality. It sounds straightforward, but it is a highly complex process. If you do not have a mobile number linked to your bank account, then any UPI app will be unable to locate your bank account.

However, NPCI has said in its documents that VPA, i.e., Virtual Payment Address, can be linked to any bank’s account and IFSC Code. I did a lot of study on this, but I did not fully understand this process. How can this happen without a registered mobile? It can be possible only if I am registered for IMPS or Immediate Payment Service by using my Account Number and IFSC Code and my Mobile Number in the back-end.

It is a simple fact that One Mobile No >> Multiple Virtual Payment Addresses >> Multiple Bank Accounts is necessary for any UPI Application. Simply put, you can have multiple VPAs for a single mobile number. Each VPA can be linked to all bank accounts or each bank account individually, depending on the functionality of the UPI app. Therefore, a mobile number is the basis of any UPI application.

If you have different mobile numbers linked to your various bank accounts, you will need many Unified Payment Interface (UPI) apps. That is, a separate application will be required for each mobile. If you are registering in any UPI Apps with your mobile number, which is not linked to your bank account, your registration process will not be completed. It is why many people complain that they are not able to use the UPI App. One of the reasons for this can also be the Dual SIM card in the mobile, which will be known further.

2. One Unified Payment Interface (UPI) App for one mobile number

Only one mobile number can be used in one UPI App. For example, suppose you have two mobile numbers, X and Y. Your mobile number X is linked to A account of any bank, and your Y mobile is linked to B account of any other bank. So I can connect both my mobile number X & Y with anyone UPI App. That is, One UPI App >> One Mobile No >> One or Multiple Virtual Payment Addresses >> Multiple Bank Accounts that are linked to the same mobile number.

In short, we can say that if you have two different mobile numbers, which are linked to different or multiple bank accounts, then you will need two different Unified Payment Interface (UPI) Apps for both the mobile numbers. It is wrong for people to say that they can connect all their bank accounts with the same UPI App, and it is possible only when the same mobile number is linked to all your bank accounts.

3. Connectivity / Technical issue

Before writing this post, I had used Unified Payment Interface (UPI) Apps of many banks, so I faced many problems while using them.

In my case, at the time of use, I found that two bank accounts A & B, were not linked with the same mobile number, due to which different UPI apps were showing the error. For example, I managed to link both the accounts with UPI App X. But in-app Y, only account A could be connected. When I used the third App Z, there was an error that no bank account linked to your mobile number was found. For the time being, you will have to ignore the connectivity and technical issues until the platform of UPI Apps is fixed.

During the study, I used a lot of UPI apps, but I could not find any such app which is complete in itself. Each Unified Payment Interface (UPI) app has its limitations and drawbacks. But it also depends on your requirements. If you are looking for a wallet app, you can check ICICI Pocket or Yes Pay. If you are looking for a plain vanilla app, you can search PSU Banks Apps.

What is the full form of SSC?

4. VPA (Virtual Payment Address)

During my study of UPI Applications, I wasted a lot of time getting the Virtual Payment Address of my choice. But in all the UPI Apps, I could not find the VPA of my choice anywhere. Finally, I got the VPA of my favorite on SIB Pay. Virtual Payment Address is the same as your email id. For example – username@psp. Where PSP means Payment Service Provider, it could also be your back, or it could be a third party.

Some UPI Apps provide you with numerical VPA. Like – 9999999999@icici or 9888888888@hdfcbank, but many apps do not provide you with numerical VPA. It may happen to you, too, that you may not get your preferred Virtual Payment Address with the bank of your choice. Keep in mind that your VPA should be such that others can easily remember it. Unified Payment Interface (UPI) started a few days back, so you can get such VPA now, but it will be challenging to get such PVA in the coming years. If you are a businessman, freelancer, service provider, vendor, etc., it becomes even more critical.

One of the most significant flexibility is that you cannot change your mobile number. If you change your mobile number, you will have to register again on the UPI App. If you do this, you will lose your desired VPA. It is a huge negative for the Unified Payment Interface (UPI) app. I think no UPI user would like to lose their favorite VPA (Virtual Payment Address) because he has given his favorite VPA to his relatives, friends, family members, or his vendors.

If he changed, he would have to deliver it again to those people. A lot of time will be wasted, and problems will have to be faced, and it would be a risk to you. Also, if a customer deactivates the mobile number, he cannot use that VPA for at least two years.

In short, if I withdraw my mobile number 9999999999 from Bank A’s 9999999999@bankA, I cannot use my mobile VPA 9999999999@Bank A for the next two years.

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5. Dual SIM Phone

Many users face the failure of authentication through SMS while using the Unified Payment Interface (UPI), which is often due to a Dual SIM card in your mobile phone. There are two arrangements to set a SIM card in every mobile phone- (i) To set Mob No A / Mob No B as default (ii) None of Mob no is set as default, i.e., Choose any at the time of Call/SMS. Various Unified Payment Interface (UPI) mobile apps provide three types of facilities in this regard.

Whenever you register on the UPI app, every UPI app uses your mobile SIM, which you have set as the default on your mobile. For example, suppose you are registering with mobile A, and your default Mob No A should be the same. SBI Pay UPI App gives you the facility that you can log in to the app with any mob no once you are registered.

The mobile number you are registered in Unified Payment Interface (UPI) in the Yes Pay UPI app. It should be selected as your default SIM both at registration and login. For example, if you register with Mob No A, then Mob No A should be the default on your phone at registration and login if Mob No A is your default Mob No. If not, you will not be able to log in to registration & login.

Few mobile apps are user-friendly. The precondition of these apps is that your mobile handset should have a SIM with a registered mobile number. This app gives you the facility that if your registered mobile number does not default, it allows selecting it at registration & login.

Pay special attention to the fact that if you have removed the registered mobile number from your handset, you will not be able to log in to that mobile handset even after having UPI App. Whenever you use the UPI App, the app checks whether your registered mobile number is in the handset being used or not. This is an excellent step to prevent the Unified Payment Interface (UPI).

6. Dispute Resolution

Dispute resolution is also one of the doubtful areas. For example, suppose the payer has installed the UPI App of back A on his mobile. After that, the Unified Payment Interface (UPI) app of this A bank is linked to the account of other bank B. In the same way, the taker connects the C bank’s UPI app to the D bank’s account. In this way, this process becomes very complicated. Here four different parties are involved in only one transaction.

The biggest question here is that if there is a dispute here, then the customer will go to Bank A, Bank B, Bank C & Bank D with his problem. The easiest solution for this is to use the UPI App of your bank only so that someone can contact his bank in case of a dispute.

7. Mobile No linked to Multiple Accounts

If you have two accounts in the same Bank A and the same mobile number is linked in both the accounts. In such a case, you cannot register an account with UPI unless you change the mobile number of anyone’s bank account. During my study of UPI apps, I found that almost all Unified Payment Interface (UPI) apps do not allow registration in such a case. But as soon as I changed my mobile number for one account, I was able to register both the accounts separately with two different apps. Because now the registered mobile numbers in both the accounts were other.

8. Joint Account

If your bank account is a joint account, what will happen in such a situation? You cannot register that Joint Account with UPI in such a situation. This has been done through the Unified Payment Interface (UPI), keeping in mind the security. It may happen that in the future, UPI Apps will allow this.

9. Bank vs Non-Bank UPI App

The biggest problem for the user is that he has to use the UPI app of any bank or the non-bank (third party) app. In terms of features, non-bank apps like a mobile wallet (PayTM) are more quality rich. Even ICICI Bank has a white label Unified Payment Interface (UPI) app called ICICI Pockets. If transaction complexity and security are to be considered, then it is better to go with the bank where you have an account.

It is particularly noteworthy that the RBI has allowed only banks to offer the Unified Payment Interface (UPI) service. Gradually smaller banks are partnering with mobile wallets and other payment solution providers. Until now, the non-bank / mobile wallet UPI app has not come directly under the regulatory framework.

If you are accessing your bank account through these, this can be a precarious move. The Waller cum UPI app of banks is an exception to this. You should think about who you would approach in case of a dispute, and you should always be extra cautious in terms of money.

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10. Transfer within own bank accounts

The million-dollar question is, if you have only one registered mobile number, which you have linked to all the accounts through one UPI app, how will you transfer money to your bank accounts. I could not find any alternative during the study. This is only possible if you have a separate VPA for each account, like Axis Pay. It is different that you may not have a single app for all the bank accounts. Hence a particular app will be required for each mobile number and bank account to transfer money to your bank accounts. Or you can use the Unified Payment Interface (UPI) app, which allows you to have a separate VPA for each account.

11. Mobile Wallet

There is a considerable debate these days about what will happen to the mobile wallet after UPI? Although some experts believe that both will continue to exist. But most people think that the mobile wallet will gradually go away from the trend. Slowly mobile wallets are also trying to tie up with the banks providing UPI service. If they fail to make this tie-up, they will gradually be out of the market. With the facility to transfer money directly through the Unified Payment Interface (UPI), people will only transfer money to their wallets until the online shoppers get some discount.

In my opinion, mobile wallets will continue to be in vogue until people become familiar with Unified Payment Interface (UPI). New mobile wallets are coming into the market, offering a lot of cashback to the customers, but they are still not progressing as expected. People are prudent to opt for a pure UPI app with their bank accounts.

12. Payment Received in default/preferred bank account

In any UPI app, there is a facility to select any bank account as default among all the linked bank accounts. So, if you have more than one account in the same UPI App, you can set one account of your choice as default. But the problem is that if you give your preferred VPA to the Sender, your amount will come in the account set by default in the UPI App.

After doing this, if you want to receive money in any other linked account, you should change your preferred account from UPI App; else, the amount will get credited to the wrong account, i.e., the default account. In short, if you get frequent payments in different accounts, you need multiple Unified Payment Interface (UPI) apps depending on your requirement. But here, all your troubles go away. In Axis Pay, you do not face this problem because it gives you different VPA for different banks.

13. Maestro Card Holders cannot use UPI service:

Presently, the Maestro card is being used by most SBI Bank customers. In which there is no expiry date of any card. It was a good facility for SBI customers that they did not have to request a new card repeatedly, but now it has become a bad thing for those who want to link their bank account with UPI. Because to set MPIN in Unified Payment Interface (UPI), you need a debit card number and expiry date. The SBI Pay app has mentioned that Maestro cards are not enabled for this service. There is no facility to set MPIN through SMS / ATM / Internet Banking.

14. Not all Banks are on board

Till now, 30 banks have joined the UPI platform, which offers a Unified Payment Interface (UPI) facility. Almost all banks are likely to enter it in the next few days. This creates a problem for those who have an account in that bank that have not joined the UPI platform for the convenience of UPI. With the merger of small banks, they will now be able to connect with the UPI of big banks.

15. Payment Tracking (Bank Details of Receiver)

In any traditional payment facility like Cheque / NEFT / Internet Banking, the Sender knew that he was depositing money in a bank account. Because in some cases, this is very important to know. But in IMPS-Immediate Payment Service and Unified Payment Interface (UPI), you cannot find out which account you are transferring money to. Because here in whose account the amount is being sent, it is hidden. It’s not that you can’t track it if you want. You can track it. But as a Sender, it is not possible if you want to know. In the transaction details, you can find out only the VPA of the receiver.

For example, you have created a VPA gururp@axisbank and linked it with your HDFC Bank account. If anyone remits money in this VPA, it is generally assumed that this amount has arrived in my Axis Bank. But in reality, this amount has been deposited in my HDFC Bank account. This is good from the receiver’s point of view as he does not need to share his bank account details. But from the Sender’s point of view, it isn’t easy to track.


It is visible that the Unified Payment Interface (UPI) will revolutionize the way payments are made and received in the coming few years. With this, money can be sent or ordered 24×7 from anywhere and anytime. It is also quite simple to use. I would always like to join the UPI facility of the bank where I have my account with the bank. If you want a wallet, then it will be good for you that you can opt for the wallet cum UPI app of banks.

I hope that all the banks will improve the UPI Apps from time to time, keeping in mind the convenience and security of the users. The Government of India aims to move the Indian economy toward a cashless economy. In fulfillment of India’s government’s determination, UPI, or Unified Payment Interface, is making a significant contribution. I think that the way Unified Payment Interface (UPI) has increased after demonetization, Debit Card & Credit Card will be a thing of the past in the coming few years.

I am sure you must have liked my above article, “UPI or Unified Payment Interface – 15 Important Things to Know”. I try to give correct information to you people in the Hindi language. Considering the same as my goal, I have written this article for you after studying intensely on the topic “UPI or Unified Payment Interface – 15 Important Things to Know”. After reading this article, I believe that you will not need to read any other article.

Dear Readers, I have taken care from my side that you get complete information about the Unified Payment Interface (UPI) with correct information so that your query can be completed without reading any other article, which saves your time. If you still have any questions regarding this post, write to me in the comments. I will be waiting for your comments.

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