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BHIM

My UPI transaction has been failed. How has my bank account been debited?

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In case of failed transactions, the money (if debited) will be credited to your account instantly. In case of timed out transactions, amount will be settled to the beneficiary account or debit account within two working days.


To know the Customer Care numbers, please click here.

Why is my UPI transaction failing?

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There are various reasons for a UPI transaction faliure:

  1. The system would be down
  2. Wrong UPI PIN
  3. Incorrect beneficiary UPI ID
  4. If the receiver is not on Bharat Interface for Money

My send money transaction is failing. Please help!

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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

What is an UPI PIN?

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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 authorise 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 PIN. Please generate a new UPI-PIN in the Bharat Interface for Money app.

Important - 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 if I lose my phone?

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If you lose your phone, the UPI PIN required to authorise all transactions will not be known to a third person and hence they will not be able to use Bharat Interface for Money. In addition, please contact our customer support at your bank.

How do I set my UPI-PIN with the bank directly?

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You will be able to set your UPI PIN through any other UPI enable Bank app.

How are you getting all my bank a/c information?

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This is a feature of the UPI payment platform (built by NPCI- an RBI regulated entity). The UPI platform retrieves the accounts details linked with your mobile number in a masked manner i.e. Bharat Interface for Money can't see all the details. This exchange is done over secure banking networks and we don't store or ever use it.

Are there any charges for using Bharat Interface for Money?

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There are no charges for making a transaction through Bharat Interface for Money.

Note - Your bank might however levy a nominal charge as UPI or IMPS transfer fee. Please check with your bank for more details.

What happens if I enter wrong UPI-PIN during a transaction?

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On entering the wrong UPI PIN the transaction will fail and show an error 'Wrong / Incorrect UPIN entered'.

How will I know if my UPI transaction is successful?

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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.

What is Bharat Interface for Money?

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Bharat Interface for Money is an app that lets you make quick and easy payment transactions using UPI. You will not have to fill-out tedious bank account details. You can easily make direct bank to bank payments and instantly collect money using just the Mobile number or the Payment Address.

Will you ever auto-deduct payments from my account?

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We will not auto deduct payments from your account.

Can I send money to a friend not registered on Bharat Interface for Money?

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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 if I change my mobile carrier?

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No problem at all. You can continue using Bharat Interface for Money as usual.

What if I change my handset?

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If you change your handset, you will need to:

  1. Download the Bharat Interface for Money app again
  2. Login with your mobile number and password
  3. Allow Bharat Interface for Money to verify you for security. After verification your account will be restored.

How do I set the UPI-PIN for my bank account from Bharat Interface for Money?

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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.

I have paid for my transaction but not received anything. Why is that?

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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 a longer time. In case you have not received your confirmation within an hour please contact the Customer Care team of 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.

Can I link multiple bank accounts with Bharat Interface for Money?

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Currently, Bharat Interface for Money supports linking of one bank account at a time. At the time of account set-up, you can link your preferred bank account as the default account. In case you want to link another bank account, you can go to Bank Account > Click on the three dots on right side top of the page > Choose Change Account.

How soon will a refund from a merchant be available in my account?

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As soon as your merchant has processed the refund from its end, it should be instantly available in your deafult bank account.

How do I set the UPI PIN for my bank account from Bharat Interface for Money?

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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.

I have selected the Bank name to link with UPI but it does not find my bank account.

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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.

How can I view my transaction history?

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To view all your past and pending transactions, Go to Bharat Interface for Money Home Screen >Transaction History.

What is a Payment Address?

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Payment Address is an Address which uniquely identifies a person's bank account. 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.

Why does my mobile number with Bharat Interface for Money and the one registered with my bank account have to be the same?

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This is a banking network (UPI) requirement. The mobile number which is used to register with Bharat Interface for Money is used to match the bank accounts linked against it.

Do I need to enable mobile banking on my bank account to use Bharat Interface for Money?

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Your account need to be enabled for mobile banking to use Bharat Interface for Money. Your mobile number should be registered with the Bank.

Do money transfers happen on Bharat Interface for Money only during banking hours?

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All payments are instant and 24X7 regardless of your bank's working hours!

Do I need to be a customer of a particular bank to use Bharat Interface for Money?

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To enable transfers directly using your bank account, your bank needs to be live on the Unified Payment Interface (UPI) platform. All the banks, which are currently live on UPI, have been listed in the Bharat Interface for Money app.

The collect request is not reaching the Bharat Interface for Money app. What do I do?

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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 do I access a record of all my historical transactions?

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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.

What type of transactions can I do using Bharat Interface for Money?

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Through Bharat Interface for Money you can make the following type of transactions -

  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.

Alternatively, you can use the scan and pay option for Merchant payments.