FSCI Wiki - User contributions [en]

Free Professionals

2026-10-08T11:00:47Z

BadriHippo: /* List of Free Professionals by profession */ Rearranged professions to be in alphabetical order

Free Professionals are professionals (firms or individuals) whom you can consult without having to give up your Freedom. Specifically, we consider people who make themselves available on Free and open standards based networks such as ActivityPub, XMPP, and/or Jitsi and with whom you can engage without feeling pressurised to use a proprietary or centralised service such as WhatsApp or Google Meet.

The "Free" in "Free Professional" stands for "Free" as in "Freedom", not "Beer". You will likely be expected to pay them for their services.

== List of Free Professionals by profession ==

=== Medicine ===

* '''Akshay:''' primary care, second opinion, trainings ([xmpp:akshay@learnlearn.in chat])

=== Software ===

* '''[[User:BadriHippo|Badri]]:''' programming, sysadmin, general tech troubleshooting ([https://badrihippo.thekambattu.rocks website], [xmpp:badrihippo@jabber.at chat], [mailto:badrihippo+free@disroot.org email], [https://fosstodon.org/@badrihippo social])
* '''perry''': sysadmin, troubleshooting, programming ([https://katb.in/perry website])
* '''Akshay''': programming, sysadmin, architecture ([xmpp:akshay@learnlearn.in chat])

=== Writing ===

* '''Arun:''' writing, editing, proofreading ([https://arunrams.netlify.app/ website], [xmpp:jugashvili@durare.org chat], [mailto:arunlinguist@gmail.com email])

[[Category:Free Professionals]]

Free Professionals

2026-10-08T10:01:31Z

BadriHippo: /* List of Free Professionals by profession */ Added Arun

Free Professionals are professionals (firms or individuals) whom you can consult without having to give up your Freedom. Specifically, we consider people who make themselves available on Free and open standards based networks such as ActivityPub, XMPP, and/or Jitsi and with whom you can engage without feeling pressurised to use a proprietary or centralised service such as WhatsApp or Google Meet.

The "Free" in "Free Professional" stands for "Free" as in "Freedom", not "Beer". You will likely be expected to pay them for their services.

== List of Free Professionals by profession ==

=== Software ===

* '''[[User:BadriHippo|Badri]]:''' programming, sysadmin, general tech troubleshooting ([https://badrihippo.thekambattu.rocks website], [xmpp:badrihippo@jabber.at chat], [mailto:badrihippo+free@disroot.org email], [https://fosstodon.org/@badrihippo social])
* '''perry''': sysadmin, troubleshooting, programming ([https://katb.in/perry website])

=== Writing ===

* '''Arun:''' writing, editing, proofreading ([https://arunrams.netlify.app/ website], [xmpp:jugashvili@durare.org chat], [mailto:arunlinguist@gmail.com email])

[[Category:Free Professionals]]

Category:Free Professionals

2026-10-08T09:20:16Z

BadriHippo: Added link to Free Professionals page

Free Professionals

2026-10-08T08:52:40Z

BadriHippo: Created the page (and added myself, hehe)

Category:Free Professionals

2026-10-08T08:42:24Z

BadriHippo: Created the category along with a description

Talk:NUUP

2026-10-05T08:54:14Z

BadriHippo: /* Cleaning up Bank Support table */ new section

== Instructions on setting up UPI ID with smartphone UPI apps ==

We should make a section for "how to set up your phone to more easily accept NUUP payments". Basically, with instructions for smartphone users on how to set up their UPI numbers. UPI apps tend to push you to link your number only with their specific app rather than with UPI itself, which means only other people using the same app can find you via number.

This is important due to the bug where Vi users in some situations are unable to make payments to UPI IDs but can still make them to UPI numbers.

You might ask why add it to this wiki which is mainly going to be read by NUUP users. The answer is that at least personally, if I know how to set it up in the app of the person I want to pay, I can quickly do it for them on the spot before making the payment! Whereas now I end up just searching through menus and eventually giving up (since we're both clueless).

--[[User:BadriHippo|BadriHippo]] ([[User talk:BadriHippo|talk]]) 12:30, 3 February 2026 (IST)

== Cleaning up Bank Support table ==

The table about [[NUUP#Bank support]] has many cells stating support as,

<blockquote>
{{Tick}} on Airtel, but {{Cross}} on Vi, which truncates at `@` and claims "invalid UPI ID"
</blockquote>

Instead of this, we should change those cells to just say {{Tick}} because the problem is related to provider support but the table is about bank support, not provider support. If you use a bank but an unsupported provider, then it will obviously not work.

If needed, we could emphasise explicitly somewhere that to use NUUP you need to both have a SIM with a supported provider ''and'' use a supported bank.

NUUP

2026-10-05T08:48:32Z

BadriHippo: /* Confirmed working */ Added Salem

[[File:*99- USSD.png|alt=USSD Sample|thumb|*99# USSD]]

The National Unified USSD Platform (NUUP) lets you use UPI by dialling *99#, without having to install a proprietary app. The service is run by the National Payments Corporation of India (NPCI), the government-backed private company that also operates the UPI ecosystem itself.

== *99# and BHIM ==
Besides NUUP, NPCI also operates BHIM which is a proprietary app for Android smartphones.

The two are linked in the sense that dialling *99# is essentially a different way of accessing your BHIM account. Practically, this means that if you run into issues setting up UPI payments with *99#, you can often work around this by borrowing a proprietary Android phone from someone and installing BHIM on that to link your bank and set up UPI payments. Once done, you can uninstall the app and make payments directly via *99#.

<nowiki>*</nowiki>99# also works when traveling abroad with International roaming enabled (you can pay Indian UPI ids, not scan and pay local QR).

* [https://www.bhimupi.org.in/steps-to-use-99 Official BHIM page for *99#]

== Provider support ==
While NUUP is theoretically supposed to work on all USSD supporting carriers in India (all the provider apart from Jio), the service is not very well maintained and keeps going down, or, in some cases, doesn't work at all. We believe that providers are currently not required to adhere to any particular operational or technical standard for the service.

{| class="wikitable"
|+ Provider support for *99#
|-
! Provider !! Officially supported !! Actually working
!Notes
|-
| Airtel || {{Tick}} || {{Tick}}
| The Airtel gateway sometimes goes down and you may have to retry two or three times, but when it works, it works.
|-
| BSNL || {{Tick}} || {{Cross}}
| Requests to *99# on BSNL either fail with a "Generic Error" or claim that there is not enough "balance" to complete the request, whatever that means.
|-
| Jio || {{Cross}} || {{Cross}}
| The USSD protocol used by NUUP usually runs over a 2G network, but Jio only supports 4G and 5G. While it is theoretically possible to adapt the USSD protocol to work on those networks too, it does not seem to have been done in practice and Jio does not claim to support NUUP at all.
|-
| MTNL || ||
|
|-
| Vi || {{Tick}} || ✘
|Only collect requests from some payment gateways work. Adding or initiating payment to a new UPI ID appears to work, but truncates the ID at `@` and then claims "invalid UPI ID". Similarly, attempting to add or make a payment to a mobile number errors out saying its an "invalid UPI ID".
|}

[[File:Nuup-vi.png|alt=USSD failure with vi|thumb|Vi failing with UPI ID]]

== Bank support ==
The NPCI [https://www.npci.org.in/product/nach/all-members lists of banks] supporting *99# payments. However, each of them has their own slightly different interface to the service, and not all of them work seamlessly. *99# service apparently requires the bank to manually activate the service on their end for users, and implementation is dependent on banks. Similar to telecom providers as above, we believe banks are currently not required to adhere to any particular operational or technical standard for the service.

This section provides crowdsourced information on which banks have been known to work or not, as experienced by the FSCI community.

{| class="wikitable sortable"
|+ Bank feature support on *99#
|-
! Bank !! Available on service !! Registration (if UPI PIN not set) !! Registration (if UPI PIN already set) !! Accepting payment request !! Receiving money!! Payment to beneficiary !! Payment to UPI ID !! Payment to Mobile Number !! Payment to Account/IFSC !! Setting UPI ID
|-
| City Union Bank || {{Tick}} || {{Cross}} Sends an SMS regarding UPI activation as well as an OTP, but USSD only says to "keep your debit card ready" and doesn't accept further input || {{Tick}} || {{Tick}} || {{Tick}} || || {{Tick}} on Airtel, but {{Cross}} on Vi, which truncates at `@` and claims "invalid UPI ID" || || || {{Tick}}
|-
| Federal Bank || yes || || yes || || || || yes|| yes|| ||
|-
| Kotak Bank || {{Tick}} || || {{Tick}} || || {{Tick}}|| {{Tick}}|| yes|| yes|| ||
|-
| ICICI || {{Tick}} || {{Tick}} || {{Tick}} || || || || {{Tick}} on Airtel, but {{Cross}} on Vi, which truncates at `@` and claims "invalid UPI ID" || {{Tick}} || || {{Cross}} Did not work with Vi
|-
| India Post Payments Bank || {{Cross}} Supposedly listed, but not actually present || {{Cross}} || {{Cross}} || {{Cross}} || || {{Cross}} || {{Cross}} || {{Cross}} || {{Cross}} || {{Cross}}
|-
| Indian Bank || {{Tick}} || {{Cross}} Allows debit card based registration but goes into loop due to bug with 6 digit PIN vs. 4 digit PIN || {{Tick}} || {{Tick}} || {{Tick}} || {{Tick}} || {{Tick}} on Airtel, but {{Cross}} on Vi, which truncates at `@` and claims "invalid UPI ID" || {{Tick}} || || {{Tick}}
|-
|Central Bank of India
|{{Tick}}
|
|
|
|
|{{Tick}}
|{{Tick}}
|{{Tick}}
|
|
|}

== City Support ==
It is observed to be working only in selected cities.

=== Confirmed working ===

* Bengaluru
* Delhi
* Gurugram
* Kochi
* Mumbai
* Pune
* Chennai
* Salem

=== Confirmed not working ===

* Ahmedabad
* Coimbatore
* Kolkata
* Palakkad
* Surat

== Limitations ==
Dynamic QR codes generated by payment machines don't work. Only fixed QR codes / UPI IDs work.

For USSD to work, registration to the *99# services is mandatory, otherwise it does not work.

== UPI URL format ==
Currently, we can only copy the whole URL in most QR scanning apps, so we have to manually extract the UPI ID when making payments via *99# USSD interface or in android without Google play service, UPI apps can't scan directly, so you still need to extract the UPI ID manually.

UPI url looks like upi://pay?pa=Motilal2005@hdfcbank&pn=MOFSL&mc=6021&tr=uft_2288daf8bd45a5&tn=Pay%2520to%2520MOFSL&mode=03&am=100&cu=INR

Here UPI ID is the value of pa, ie, Motilal2005@hdfcbank

See https://source.puri.sm/Librem5/millipixels/-/issues/98 for adding support to extract UPI ID in millipixels.

<nowiki>{{{</nowiki>

echo Processing UPI url from clipboard ...wl-paste | grep -oP '.*pa=\K.*' | grep -oP '.*?(?=&pn)' | wl-copy -necho Dialing *99*1*3# ...gnome-calls -l '*99*1*3#'

== Collect Requests ==
Businesses can still initiate collect requests - for example payment gateways (tested with RazorPay page). You enter your UPI id on the webpage and dial *99#, it will directly show the accept request screen, you can enter the pin to approve the request.
[[File:Upi-Collect-Request.png|alt=UPI Collect Request screenshot|thumb|UPI Collect Request]]

'''Note:''' Starting 1 October 2025, UPI collect request will [https://www.angelone.in/news/personal-finance/upi-collect-requests-to-end-from-october-1-what-phonepe-google-pay-paytm-users-must-know no longer be available for individuals] although it will still be available for businesses as well as online payments. The ostensible reason is to prevent "fraud" from people misusing the collect request functionality. Specifically, this means it will not be possible to ask people to request money in case adding via UPI ID is not working. Some UPI apps like Paytm and PhonePe have already stopped offering this feature.

Collect requests work with RazorPay page but fails with Airtel Recharge.

== Directly Opening a specific screen ==
Choices can be sent directly as well. *99*1# opens the screen to send money directly, whereas *99*1*3# takes you to the screen to enter the UPI ID. So with this the camera app itself could add a pay option if upi:// URL is detected and dial *99*1*3# and fill the UPI id, so we can emulate the scan and pay - then people will only have to enter pin manually.

== Changing bank account ==
If you change linked bank account from menu, you may also need to add a upi id or make it primary. *99*4# will have profile option.

== Automating scan to pay process ==
Create `~/upi-pay.sh`
<nowiki>
echo Processing UPI url from clipboard ...
wl-paste | grep -oP '.*pa=\K.*' | grep -oP '.*?(?=&pn)' | wl-copy -n
echo Dialing *99*1*3# ...
gnome-calls -l '*99*1*3#'
</nowiki>

and `~/.local/share/applications/upi-pay.desktop`

<nowiki>
[Desktop Entry]
Name=UPI Pay
Version=1.0
Comment=Pay using *99# ussd upi
GenericName=UPI Payments App
Exec=/usr/bin/env sh -c "~/upi-pay.sh"
Terminal=false
Type=Application
Icon=
</nowiki>

Now scan the QR with your camera app or QR app and copy upi id to clipboard. Then you can open the UPI Pay app, which wiil extract the upi id and bring you directly to enter upi id. Just paste the extracted upi id to proceed with payment.

More at [https://codeberg.org/jiujiupay/jiujiupay Jiu Jiu Pay on CodeBerg]

== Send Feedback to NPCI/BHIM ==
Please send feedback via https://www.bhimupi.org.in/get-in-touch The more people send, the more likely we gain their attention. They might easily reject our requests saying it is a different application, but we have to be persistent in asking them to escalate the ticket with their manager or technical team and we might have to resort to other options like publicly challenging them on Twitter or going to Consumer Court. They have provided a channel for feedback but refusing to accept any complaints.

Reply from their support given below,<syntaxhighlight lang="text">
Dear Pirate Praveen,

Thank you for contacting BHIM Support.

Upon checking the screenshot, we found that the transaction was processed from another payment app and not via BHIM.

For a quick resolution we kindly request you to contact the support team of the respective application. For any transaction made directly through BHIM, we will be happy to assist you further.

Best regards,
Name Removed
BHIM Support

</syntaxhighlight>

== See also ==

# [[Making payments using Free Software]]

NUUP

2026-10-05T08:47:42Z

BadriHippo: /* Provider support */ Added comments about support by other providers too.

[[File:*99- USSD.png|alt=USSD Sample|thumb|*99# USSD]]

The National Unified USSD Platform (NUUP) lets you use UPI by dialling *99#, without having to install a proprietary app. The service is run by the National Payments Corporation of India (NPCI), the government-backed private company that also operates the UPI ecosystem itself.

== *99# and BHIM ==
Besides NUUP, NPCI also operates BHIM which is a proprietary app for Android smartphones.

The two are linked in the sense that dialling *99# is essentially a different way of accessing your BHIM account. Practically, this means that if you run into issues setting up UPI payments with *99#, you can often work around this by borrowing a proprietary Android phone from someone and installing BHIM on that to link your bank and set up UPI payments. Once done, you can uninstall the app and make payments directly via *99#.

<nowiki>*</nowiki>99# also works when traveling abroad with International roaming enabled (you can pay Indian UPI ids, not scan and pay local QR).

* [https://www.bhimupi.org.in/steps-to-use-99 Official BHIM page for *99#]

== Provider support ==
While NUUP is theoretically supposed to work on all USSD supporting carriers in India (all the provider apart from Jio), the service is not very well maintained and keeps going down, or, in some cases, doesn't work at all. We believe that providers are currently not required to adhere to any particular operational or technical standard for the service.

{| class="wikitable"
|+ Provider support for *99#
|-
! Provider !! Officially supported !! Actually working
!Notes
|-
| Airtel || {{Tick}} || {{Tick}}
| The Airtel gateway sometimes goes down and you may have to retry two or three times, but when it works, it works.
|-
| BSNL || {{Tick}} || {{Cross}}
| Requests to *99# on BSNL either fail with a "Generic Error" or claim that there is not enough "balance" to complete the request, whatever that means.
|-
| Jio || {{Cross}} || {{Cross}}
| The USSD protocol used by NUUP usually runs over a 2G network, but Jio only supports 4G and 5G. While it is theoretically possible to adapt the USSD protocol to work on those networks too, it does not seem to have been done in practice and Jio does not claim to support NUUP at all.
|-
| MTNL || ||
|
|-
| Vi || {{Tick}} || ✘
|Only collect requests from some payment gateways work. Adding or initiating payment to a new UPI ID appears to work, but truncates the ID at `@` and then claims "invalid UPI ID". Similarly, attempting to add or make a payment to a mobile number errors out saying its an "invalid UPI ID".
|}

[[File:Nuup-vi.png|alt=USSD failure with vi|thumb|Vi failing with UPI ID]]

== Bank support ==
The NPCI [https://www.npci.org.in/product/nach/all-members lists of banks] supporting *99# payments. However, each of them has their own slightly different interface to the service, and not all of them work seamlessly. *99# service apparently requires the bank to manually activate the service on their end for users, and implementation is dependent on banks. Similar to telecom providers as above, we believe banks are currently not required to adhere to any particular operational or technical standard for the service.

This section provides crowdsourced information on which banks have been known to work or not, as experienced by the FSCI community.

{| class="wikitable sortable"
|+ Bank feature support on *99#
|-
! Bank !! Available on service !! Registration (if UPI PIN not set) !! Registration (if UPI PIN already set) !! Accepting payment request !! Receiving money!! Payment to beneficiary !! Payment to UPI ID !! Payment to Mobile Number !! Payment to Account/IFSC !! Setting UPI ID
|-
| City Union Bank || {{Tick}} || {{Cross}} Sends an SMS regarding UPI activation as well as an OTP, but USSD only says to "keep your debit card ready" and doesn't accept further input || {{Tick}} || {{Tick}} || {{Tick}} || || {{Tick}} on Airtel, but {{Cross}} on Vi, which truncates at `@` and claims "invalid UPI ID" || || || {{Tick}}
|-
| Federal Bank || yes || || yes || || || || yes|| yes|| ||
|-
| Kotak Bank || {{Tick}} || || {{Tick}} || || {{Tick}}|| {{Tick}}|| yes|| yes|| ||
|-
| ICICI || {{Tick}} || {{Tick}} || {{Tick}} || || || || {{Tick}} on Airtel, but {{Cross}} on Vi, which truncates at `@` and claims "invalid UPI ID" || {{Tick}} || || {{Cross}} Did not work with Vi
|-
| India Post Payments Bank || {{Cross}} Supposedly listed, but not actually present || {{Cross}} || {{Cross}} || {{Cross}} || || {{Cross}} || {{Cross}} || {{Cross}} || {{Cross}} || {{Cross}}
|-
| Indian Bank || {{Tick}} || {{Cross}} Allows debit card based registration but goes into loop due to bug with 6 digit PIN vs. 4 digit PIN || {{Tick}} || {{Tick}} || {{Tick}} || {{Tick}} || {{Tick}} on Airtel, but {{Cross}} on Vi, which truncates at `@` and claims "invalid UPI ID" || {{Tick}} || || {{Tick}}
|-
|Central Bank of India
|{{Tick}}
|
|
|
|
|{{Tick}}
|{{Tick}}
|{{Tick}}
|
|
|}

== City Support ==
It is observed to be working only in selected cities.

=== Confirmed working ===

* Bengaluru
* Delhi
* Gurugram
* Kochi
* Mumbai
* Pune
* Chennai

=== Confirmed not working ===

* Ahmedabad
* Coimbatore
* Kolkata
* Palakkad
* Surat

== Limitations ==
Dynamic QR codes generated by payment machines don't work. Only fixed QR codes / UPI IDs work.

For USSD to work, registration to the *99# services is mandatory, otherwise it does not work.

== UPI URL format ==
Currently, we can only copy the whole URL in most QR scanning apps, so we have to manually extract the UPI ID when making payments via *99# USSD interface or in android without Google play service, UPI apps can't scan directly, so you still need to extract the UPI ID manually.

UPI url looks like upi://pay?pa=Motilal2005@hdfcbank&pn=MOFSL&mc=6021&tr=uft_2288daf8bd45a5&tn=Pay%2520to%2520MOFSL&mode=03&am=100&cu=INR

Here UPI ID is the value of pa, ie, Motilal2005@hdfcbank

See https://source.puri.sm/Librem5/millipixels/-/issues/98 for adding support to extract UPI ID in millipixels.

<nowiki>{{{</nowiki>

echo Processing UPI url from clipboard ...wl-paste | grep -oP '.*pa=\K.*' | grep -oP '.*?(?=&pn)' | wl-copy -necho Dialing *99*1*3# ...gnome-calls -l '*99*1*3#'

== Collect Requests ==
Businesses can still initiate collect requests - for example payment gateways (tested with RazorPay page). You enter your UPI id on the webpage and dial *99#, it will directly show the accept request screen, you can enter the pin to approve the request.
[[File:Upi-Collect-Request.png|alt=UPI Collect Request screenshot|thumb|UPI Collect Request]]

'''Note:''' Starting 1 October 2025, UPI collect request will [https://www.angelone.in/news/personal-finance/upi-collect-requests-to-end-from-october-1-what-phonepe-google-pay-paytm-users-must-know no longer be available for individuals] although it will still be available for businesses as well as online payments. The ostensible reason is to prevent "fraud" from people misusing the collect request functionality. Specifically, this means it will not be possible to ask people to request money in case adding via UPI ID is not working. Some UPI apps like Paytm and PhonePe have already stopped offering this feature.

Collect requests work with RazorPay page but fails with Airtel Recharge.

== Directly Opening a specific screen ==
Choices can be sent directly as well. *99*1# opens the screen to send money directly, whereas *99*1*3# takes you to the screen to enter the UPI ID. So with this the camera app itself could add a pay option if upi:// URL is detected and dial *99*1*3# and fill the UPI id, so we can emulate the scan and pay - then people will only have to enter pin manually.

== Changing bank account ==
If you change linked bank account from menu, you may also need to add a upi id or make it primary. *99*4# will have profile option.

== Automating scan to pay process ==
Create `~/upi-pay.sh`
<nowiki>
echo Processing UPI url from clipboard ...
wl-paste | grep -oP '.*pa=\K.*' | grep -oP '.*?(?=&pn)' | wl-copy -n
echo Dialing *99*1*3# ...
gnome-calls -l '*99*1*3#'
</nowiki>

and `~/.local/share/applications/upi-pay.desktop`

<nowiki>
[Desktop Entry]
Name=UPI Pay
Version=1.0
Comment=Pay using *99# ussd upi
GenericName=UPI Payments App
Exec=/usr/bin/env sh -c "~/upi-pay.sh"
Terminal=false
Type=Application
Icon=
</nowiki>

Now scan the QR with your camera app or QR app and copy upi id to clipboard. Then you can open the UPI Pay app, which wiil extract the upi id and bring you directly to enter upi id. Just paste the extracted upi id to proceed with payment.

More at [https://codeberg.org/jiujiupay/jiujiupay Jiu Jiu Pay on CodeBerg]

== Send Feedback to NPCI/BHIM ==
Please send feedback via https://www.bhimupi.org.in/get-in-touch The more people send, the more likely we gain their attention. They might easily reject our requests saying it is a different application, but we have to be persistent in asking them to escalate the ticket with their manager or technical team and we might have to resort to other options like publicly challenging them on Twitter or going to Consumer Court. They have provided a channel for feedback but refusing to accept any complaints.

Reply from their support given below,<syntaxhighlight lang="text">
Dear Pirate Praveen,

Thank you for contacting BHIM Support.

Upon checking the screenshot, we found that the transaction was processed from another payment app and not via BHIM.

For a quick resolution we kindly request you to contact the support team of the respective application. For any transaction made directly through BHIM, we will be happy to assist you further.

Best regards,
Name Removed
BHIM Support

</syntaxhighlight>

== See also ==

# [[Making payments using Free Software]]

NUUP

2026-10-05T08:45:03Z

BadriHippo: /* Provider support */ Add more details about Vi failures.

[[File:*99- USSD.png|alt=USSD Sample|thumb|*99# USSD]]

The National Unified USSD Platform (NUUP) lets you use UPI by dialling *99#, without having to install a proprietary app. The service is run by the National Payments Corporation of India (NPCI), the government-backed private company that also operates the UPI ecosystem itself.

== *99# and BHIM ==
Besides NUUP, NPCI also operates BHIM which is a proprietary app for Android smartphones.

The two are linked in the sense that dialling *99# is essentially a different way of accessing your BHIM account. Practically, this means that if you run into issues setting up UPI payments with *99#, you can often work around this by borrowing a proprietary Android phone from someone and installing BHIM on that to link your bank and set up UPI payments. Once done, you can uninstall the app and make payments directly via *99#.

<nowiki>*</nowiki>99# also works when traveling abroad with International roaming enabled (you can pay Indian UPI ids, not scan and pay local QR).

* [https://www.bhimupi.org.in/steps-to-use-99 Official BHIM page for *99#]

== Provider support ==
While NUUP is theoretically supposed to work on all USSD supporting carriers in India (all the provider apart from Jio), the service is not very well maintained and keeps going down, or, in some cases, doesn't work at all. We believe that providers are currently not required to adhere to any particular operational or technical standard for the service.

{| class="wikitable"
|+ Provider support for *99#
|-
! Provider !! Officially supported !! Actually working
!Notes
|-
| Airtel || {{Tick}} || {{Tick}}
|
|-
| BSNL || {{Tick}} || {{Cross}}
|
|-
| Jio || {{Cross}} || {{Cross}}
|
|-
| MTNL || ||
|
|-
| Vi || {{Tick}} || ✘
|Only collect requests from some payment gateways work. Adding or initiating payment to a new UPI ID appears to work, but truncates the ID at `@` and then claims "invalid UPI ID". Similarly, attempting to add or make a payment to a mobile number errors out saying its an "invalid UPI ID".
|}

[[File:Nuup-vi.png|alt=USSD failure with vi|thumb|Vi failing with UPI ID]]

== Bank support ==
The NPCI [https://www.npci.org.in/product/nach/all-members lists of banks] supporting *99# payments. However, each of them has their own slightly different interface to the service, and not all of them work seamlessly. *99# service apparently requires the bank to manually activate the service on their end for users, and implementation is dependent on banks. Similar to telecom providers as above, we believe banks are currently not required to adhere to any particular operational or technical standard for the service.

This section provides crowdsourced information on which banks have been known to work or not, as experienced by the FSCI community.

{| class="wikitable sortable"
|+ Bank feature support on *99#
|-
! Bank !! Available on service !! Registration (if UPI PIN not set) !! Registration (if UPI PIN already set) !! Accepting payment request !! Receiving money!! Payment to beneficiary !! Payment to UPI ID !! Payment to Mobile Number !! Payment to Account/IFSC !! Setting UPI ID
|-
| City Union Bank || {{Tick}} || {{Cross}} Sends an SMS regarding UPI activation as well as an OTP, but USSD only says to "keep your debit card ready" and doesn't accept further input || {{Tick}} || {{Tick}} || {{Tick}} || || {{Tick}} on Airtel, but {{Cross}} on Vi, which truncates at `@` and claims "invalid UPI ID" || || || {{Tick}}
|-
| Federal Bank || yes || || yes || || || || yes|| yes|| ||
|-
| Kotak Bank || {{Tick}} || || {{Tick}} || || {{Tick}}|| {{Tick}}|| yes|| yes|| ||
|-
| ICICI || {{Tick}} || {{Tick}} || {{Tick}} || || || || {{Tick}} on Airtel, but {{Cross}} on Vi, which truncates at `@` and claims "invalid UPI ID" || {{Tick}} || || {{Cross}} Did not work with Vi
|-
| India Post Payments Bank || {{Cross}} Supposedly listed, but not actually present || {{Cross}} || {{Cross}} || {{Cross}} || || {{Cross}} || {{Cross}} || {{Cross}} || {{Cross}} || {{Cross}}
|-
| Indian Bank || {{Tick}} || {{Cross}} Allows debit card based registration but goes into loop due to bug with 6 digit PIN vs. 4 digit PIN || {{Tick}} || {{Tick}} || {{Tick}} || {{Tick}} || {{Tick}} on Airtel, but {{Cross}} on Vi, which truncates at `@` and claims "invalid UPI ID" || {{Tick}} || || {{Tick}}
|-
|Central Bank of India
|{{Tick}}
|
|
|
|
|{{Tick}}
|{{Tick}}
|{{Tick}}
|
|
|}

== City Support ==
It is observed to be working only in selected cities.

=== Confirmed working ===

* Bengaluru
* Delhi
* Gurugram
* Kochi
* Mumbai
* Pune
* Chennai

=== Confirmed not working ===

* Ahmedabad
* Coimbatore
* Kolkata
* Palakkad
* Surat

== Limitations ==
Dynamic QR codes generated by payment machines don't work. Only fixed QR codes / UPI IDs work.

For USSD to work, registration to the *99# services is mandatory, otherwise it does not work.

== UPI URL format ==
Currently, we can only copy the whole URL in most QR scanning apps, so we have to manually extract the UPI ID when making payments via *99# USSD interface or in android without Google play service, UPI apps can't scan directly, so you still need to extract the UPI ID manually.

UPI url looks like upi://pay?pa=Motilal2005@hdfcbank&pn=MOFSL&mc=6021&tr=uft_2288daf8bd45a5&tn=Pay%2520to%2520MOFSL&mode=03&am=100&cu=INR

Here UPI ID is the value of pa, ie, Motilal2005@hdfcbank

See https://source.puri.sm/Librem5/millipixels/-/issues/98 for adding support to extract UPI ID in millipixels.

<nowiki>{{{</nowiki>

echo Processing UPI url from clipboard ...wl-paste | grep -oP '.*pa=\K.*' | grep -oP '.*?(?=&pn)' | wl-copy -necho Dialing *99*1*3# ...gnome-calls -l '*99*1*3#'

== Collect Requests ==
Businesses can still initiate collect requests - for example payment gateways (tested with RazorPay page). You enter your UPI id on the webpage and dial *99#, it will directly show the accept request screen, you can enter the pin to approve the request.
[[File:Upi-Collect-Request.png|alt=UPI Collect Request screenshot|thumb|UPI Collect Request]]

'''Note:''' Starting 1 October 2025, UPI collect request will [https://www.angelone.in/news/personal-finance/upi-collect-requests-to-end-from-october-1-what-phonepe-google-pay-paytm-users-must-know no longer be available for individuals] although it will still be available for businesses as well as online payments. The ostensible reason is to prevent "fraud" from people misusing the collect request functionality. Specifically, this means it will not be possible to ask people to request money in case adding via UPI ID is not working. Some UPI apps like Paytm and PhonePe have already stopped offering this feature.

Collect requests work with RazorPay page but fails with Airtel Recharge.

== Directly Opening a specific screen ==
Choices can be sent directly as well. *99*1# opens the screen to send money directly, whereas *99*1*3# takes you to the screen to enter the UPI ID. So with this the camera app itself could add a pay option if upi:// URL is detected and dial *99*1*3# and fill the UPI id, so we can emulate the scan and pay - then people will only have to enter pin manually.

== Changing bank account ==
If you change linked bank account from menu, you may also need to add a upi id or make it primary. *99*4# will have profile option.

== Automating scan to pay process ==
Create `~/upi-pay.sh`
<nowiki>
echo Processing UPI url from clipboard ...
wl-paste | grep -oP '.*pa=\K.*' | grep -oP '.*?(?=&pn)' | wl-copy -n
echo Dialing *99*1*3# ...
gnome-calls -l '*99*1*3#'
</nowiki>

and `~/.local/share/applications/upi-pay.desktop`

<nowiki>
[Desktop Entry]
Name=UPI Pay
Version=1.0
Comment=Pay using *99# ussd upi
GenericName=UPI Payments App
Exec=/usr/bin/env sh -c "~/upi-pay.sh"
Terminal=false
Type=Application
Icon=
</nowiki>

Now scan the QR with your camera app or QR app and copy upi id to clipboard. Then you can open the UPI Pay app, which wiil extract the upi id and bring you directly to enter upi id. Just paste the extracted upi id to proceed with payment.

More at [https://codeberg.org/jiujiupay/jiujiupay Jiu Jiu Pay on CodeBerg]

== Send Feedback to NPCI/BHIM ==
Please send feedback via https://www.bhimupi.org.in/get-in-touch The more people send, the more likely we gain their attention. They might easily reject our requests saying it is a different application, but we have to be persistent in asking them to escalate the ticket with their manager or technical team and we might have to resort to other options like publicly challenging them on Twitter or going to Consumer Court. They have provided a channel for feedback but refusing to accept any complaints.

Reply from their support given below,<syntaxhighlight lang="text">
Dear Pirate Praveen,

Thank you for contacting BHIM Support.

Upon checking the screenshot, we found that the transaction was processed from another payment app and not via BHIM.

For a quick resolution we kindly request you to contact the support team of the respective application. For any transaction made directly through BHIM, we will be happy to assist you further.

Best regards,
Name Removed
BHIM Support

</syntaxhighlight>

== See also ==

# [[Making payments using Free Software]]

NUUP

2026-10-05T08:43:22Z

BadriHippo: /* Bank support */ Updated City Union Bank and Indian Bank to indicate support on Airtel

[[File:*99- USSD.png|alt=USSD Sample|thumb|*99# USSD]]

The National Unified USSD Platform (NUUP) lets you use UPI by dialling *99#, without having to install a proprietary app. The service is run by the National Payments Corporation of India (NPCI), the government-backed private company that also operates the UPI ecosystem itself.

== *99# and BHIM ==
Besides NUUP, NPCI also operates BHIM which is a proprietary app for Android smartphones.

The two are linked in the sense that dialling *99# is essentially a different way of accessing your BHIM account. Practically, this means that if you run into issues setting up UPI payments with *99#, you can often work around this by borrowing a proprietary Android phone from someone and installing BHIM on that to link your bank and set up UPI payments. Once done, you can uninstall the app and make payments directly via *99#.

<nowiki>*</nowiki>99# also works when traveling abroad with International roaming enabled (you can pay Indian UPI ids, not scan and pay local QR).

* [https://www.bhimupi.org.in/steps-to-use-99 Official BHIM page for *99#]

== Provider support ==
While NUUP is theoretically supposed to work on all USSD supporting carriers in India (all the provider apart from Jio), the service is not very well maintained and keeps going down, or, in some cases, doesn't work at all. We believe that providers are currently not required to adhere to any particular operational or technical standard for the service.

{| class="wikitable"
|+ Provider support for *99#
|-
! Provider !! Officially supported !! Actually working
!Notes
|-
| Airtel || {{Tick}} || {{Tick}}
|
|-
| BSNL || {{Tick}} || {{Cross}}
|
|-
| Jio || {{Cross}} || {{Cross}}
|
|-
| MTNL || ||
|
|-
| Vi || {{Tick}} || ✘
|Only collect requests from some payment gateways work
|}

[[File:Nuup-vi.png|alt=USSD failure with vi|thumb|Vi failing with UPI ID]]

== Bank support ==
The NPCI [https://www.npci.org.in/product/nach/all-members lists of banks] supporting *99# payments. However, each of them has their own slightly different interface to the service, and not all of them work seamlessly. *99# service apparently requires the bank to manually activate the service on their end for users, and implementation is dependent on banks. Similar to telecom providers as above, we believe banks are currently not required to adhere to any particular operational or technical standard for the service.

This section provides crowdsourced information on which banks have been known to work or not, as experienced by the FSCI community.

{| class="wikitable sortable"
|+ Bank feature support on *99#
|-
! Bank !! Available on service !! Registration (if UPI PIN not set) !! Registration (if UPI PIN already set) !! Accepting payment request !! Receiving money!! Payment to beneficiary !! Payment to UPI ID !! Payment to Mobile Number !! Payment to Account/IFSC !! Setting UPI ID
|-
| City Union Bank || {{Tick}} || {{Cross}} Sends an SMS regarding UPI activation as well as an OTP, but USSD only says to "keep your debit card ready" and doesn't accept further input || {{Tick}} || {{Tick}} || {{Tick}} || || {{Tick}} on Airtel, but {{Cross}} on Vi, which truncates at `@` and claims "invalid UPI ID" || || || {{Tick}}
|-
| Federal Bank || yes || || yes || || || || yes|| yes|| ||
|-
| Kotak Bank || {{Tick}} || || {{Tick}} || || {{Tick}}|| {{Tick}}|| yes|| yes|| ||
|-
| ICICI || {{Tick}} || {{Tick}} || {{Tick}} || || || || {{Tick}} on Airtel, but {{Cross}} on Vi, which truncates at `@` and claims "invalid UPI ID" || {{Tick}} || || {{Cross}} Did not work with Vi
|-
| India Post Payments Bank || {{Cross}} Supposedly listed, but not actually present || {{Cross}} || {{Cross}} || {{Cross}} || || {{Cross}} || {{Cross}} || {{Cross}} || {{Cross}} || {{Cross}}
|-
| Indian Bank || {{Tick}} || {{Cross}} Allows debit card based registration but goes into loop due to bug with 6 digit PIN vs. 4 digit PIN || {{Tick}} || {{Tick}} || {{Tick}} || {{Tick}} || {{Tick}} on Airtel, but {{Cross}} on Vi, which truncates at `@` and claims "invalid UPI ID" || {{Tick}} || || {{Tick}}
|-
|Central Bank of India
|{{Tick}}
|
|
|
|
|{{Tick}}
|{{Tick}}
|{{Tick}}
|
|
|}

== City Support ==
It is observed to be working only in selected cities.

=== Confirmed working ===

* Bengaluru
* Delhi
* Gurugram
* Kochi
* Mumbai
* Pune
* Chennai

=== Confirmed not working ===

* Ahmedabad
* Coimbatore
* Kolkata
* Palakkad
* Surat

== Limitations ==
Dynamic QR codes generated by payment machines don't work. Only fixed QR codes / UPI IDs work.

For USSD to work, registration to the *99# services is mandatory, otherwise it does not work.

== UPI URL format ==
Currently, we can only copy the whole URL in most QR scanning apps, so we have to manually extract the UPI ID when making payments via *99# USSD interface or in android without Google play service, UPI apps can't scan directly, so you still need to extract the UPI ID manually.

UPI url looks like upi://pay?pa=Motilal2005@hdfcbank&pn=MOFSL&mc=6021&tr=uft_2288daf8bd45a5&tn=Pay%2520to%2520MOFSL&mode=03&am=100&cu=INR

Here UPI ID is the value of pa, ie, Motilal2005@hdfcbank

See https://source.puri.sm/Librem5/millipixels/-/issues/98 for adding support to extract UPI ID in millipixels.

<nowiki>{{{</nowiki>

echo Processing UPI url from clipboard ...wl-paste | grep -oP '.*pa=\K.*' | grep -oP '.*?(?=&pn)' | wl-copy -necho Dialing *99*1*3# ...gnome-calls -l '*99*1*3#'

== Collect Requests ==
Businesses can still initiate collect requests - for example payment gateways (tested with RazorPay page). You enter your UPI id on the webpage and dial *99#, it will directly show the accept request screen, you can enter the pin to approve the request.
[[File:Upi-Collect-Request.png|alt=UPI Collect Request screenshot|thumb|UPI Collect Request]]

'''Note:''' Starting 1 October 2025, UPI collect request will [https://www.angelone.in/news/personal-finance/upi-collect-requests-to-end-from-october-1-what-phonepe-google-pay-paytm-users-must-know no longer be available for individuals] although it will still be available for businesses as well as online payments. The ostensible reason is to prevent "fraud" from people misusing the collect request functionality. Specifically, this means it will not be possible to ask people to request money in case adding via UPI ID is not working. Some UPI apps like Paytm and PhonePe have already stopped offering this feature.

Collect requests work with RazorPay page but fails with Airtel Recharge.

== Directly Opening a specific screen ==
Choices can be sent directly as well. *99*1# opens the screen to send money directly, whereas *99*1*3# takes you to the screen to enter the UPI ID. So with this the camera app itself could add a pay option if upi:// URL is detected and dial *99*1*3# and fill the UPI id, so we can emulate the scan and pay - then people will only have to enter pin manually.

== Changing bank account ==
If you change linked bank account from menu, you may also need to add a upi id or make it primary. *99*4# will have profile option.

== Automating scan to pay process ==
Create `~/upi-pay.sh`
<nowiki>
echo Processing UPI url from clipboard ...
wl-paste | grep -oP '.*pa=\K.*' | grep -oP '.*?(?=&pn)' | wl-copy -n
echo Dialing *99*1*3# ...
gnome-calls -l '*99*1*3#'
</nowiki>

and `~/.local/share/applications/upi-pay.desktop`

<nowiki>
[Desktop Entry]
Name=UPI Pay
Version=1.0
Comment=Pay using *99# ussd upi
GenericName=UPI Payments App
Exec=/usr/bin/env sh -c "~/upi-pay.sh"
Terminal=false
Type=Application
Icon=
</nowiki>

Now scan the QR with your camera app or QR app and copy upi id to clipboard. Then you can open the UPI Pay app, which wiil extract the upi id and bring you directly to enter upi id. Just paste the extracted upi id to proceed with payment.

More at [https://codeberg.org/jiujiupay/jiujiupay Jiu Jiu Pay on CodeBerg]

== Send Feedback to NPCI/BHIM ==
Please send feedback via https://www.bhimupi.org.in/get-in-touch The more people send, the more likely we gain their attention. They might easily reject our requests saying it is a different application, but we have to be persistent in asking them to escalate the ticket with their manager or technical team and we might have to resort to other options like publicly challenging them on Twitter or going to Consumer Court. They have provided a channel for feedback but refusing to accept any complaints.

Reply from their support given below,<syntaxhighlight lang="text">
Dear Pirate Praveen,

Thank you for contacting BHIM Support.

Upon checking the screenshot, we found that the transaction was processed from another payment app and not via BHIM.

For a quick resolution we kindly request you to contact the support team of the respective application. For any transaction made directly through BHIM, we will be happy to assist you further.

Best regards,
Name Removed
BHIM Support

</syntaxhighlight>

== See also ==

# [[Making payments using Free Software]]

Talk:NUUP

2026-02-03T07:00:33Z

BadriHippo: Start discussion on adding a new section about setting up UPI IDs

Making payments using Free Software

2025-08-28T06:56:05Z

BadriHippo: /* 123PAY */ Add comment that this method has not been tested

As the digital payment landscape moves towards proprietary and centralised solutions, the options are somewhat limited for people running Free Software on their devices. Most payment services require installing an "app", and furthermore such apps are usually only available for Android and iOS devices. Furthermore, payment providers often add additional restrictions preventing their app from running on other Android-compatible OSes like LineageOS.

This page documents the available payment options in India for people using LineageOS, GrapheneOS, Mobian, or other non-Android and -iOS platforms.

== Unified Payments Interface (UPI) ==

UPI is a payments platform run by the National Payments Corporation of India (NPCI), a private grouping of financial institutions backed by the Reserve Bank of India. The NPCI allows third-party providers to make UPI based payment apps, which facilitate money transfers between banks. By promoting the use of QR codes instead of manually entering account identifiers, UPI has made digital payments convenient enough that has become widely popular in parts of the country.

You can make a UPI payment using one of the following identifiers:

* A UPI ID of the form `username@provider`
* A UPI number which can be either the 10-digit mobile number linked to your bank, or any unique 8- or 9-digit number of your choosing
* Your account number and IFSC code (usually the most cumbersome if you want to make a quick payment at a store)

Most UPI apps are proprietary and run a mandatory set of core SDK code provided by the NPCI. However, there are other ways to interact with the system as well, including NUUP, LibreFin, and 123Pay.

=== National Unified USSD Platform (NUUP, also known an *99#) ===

''Main article: [[NUUP]]''

[[NUUP]] is a service by the NCPI that allows you to make UPI transactions on any 2G capable phone, by dialling *99# from the number linked to your bank account.

While NUUP is theoretically supposed to work on all USSD supporting carriers in India (all the provider apart from Jio), the service is not very well maintained and keeps going down, or, in some cases, doesn't work at all. Specifically, it has never been observed to work with BSNL, is often down with Airtel, and works reasonably well with Vi but with a bug preventing one from entering new UPI IDs (so one has to always pay using a UPI number, hoping the intended recipient has configured it)

=== 123PAY ===
''This service has not been tested by the community. Please report back here if you try it out.''

123PAY[https://www.npci.org.in/what-we-do/upi-123pay/product-overview] is a service similar to NUUP, but where you dial a phone number and interact through IVRS (Interactive Voice Responder Service) instead of through a USSD menu. Some banks provide their own bank-specific numbers for a similar service.

=== LibreFin ===

The [https://librefin.in LibreFin] project (under construction) aims to create a Free Software UPI app using reverse-engineered APIs. It is expected to be demoed at the IndiaFOSS 2025 conference in Bengaluru[https://fossunited.org/c/indiafoss/2025/cfp/c1ujjkgd9c].

== Immediate Payment Service (IMPS) ==

An alternative to UPI is to use IMPS with phone number beneficiary. IMPS is actually the base layer on which UPI is built, and can be accessed in a platform-independent manner through Net Banking. Due to this, people who have activated UPI on their bank account would have automatically activated IMPS as well.

IMPS used to require a full bank account number and IFSC code to make a transfer. However, in February 2024 [https://pavzi.com/imps-new-rules-2024-allowed-to-transfer-upto-5lacks-without-account-number/], they added the option to pay using a phone number and bank name instead. This makes it more suitable for quick payments as people are more likely to remember their phone number than their account number (let alone IFSC code!). Now, if we know someone's phone number and their bank name, we can transfer using IMPS over Net Banking.

It appears that not all Net Banking interfaces support the "phone number + bank name" option, possibly because the option is relatively new and banks may not have got around to upgrading their Net Banking interfaces yet. Additionally, some banks require adding a beneficiary first and waiting for four hours to be added, or have additional restrictions for IMPS Net Banking that are not present when using IMPS via their proprietary mobile app.

=== Supported banks ===

Banks where instant payment using phone number + bank name is known to be working through Net Banking:

* Federal Bank
* Bank of Baroda
* Indian Bank - they have both normal IMPS where you wait to add beneficiary, and "IMPS 24x7 - without adding beneficiary" that works instantly

=== Unsupported banks ===

Banks where instant payments using phone number + bank name is not possible through Net Banking:

* ICICI Bank - they still ask for MMID in addition to phone number.
* HDFC
* State Bank of India (SBI)
* City Union Bank (CUB) - they present a large form with lots of details. Specifically, IFSC code and account number seems to be mandatory (mobile number field also there, along with email, but there was no option to enter just the bank name)

Making payments using Free Software

2025-08-27T17:40:07Z

BadriHippo: /* National Unified USSD Platform (NUUP, also known an *99#) */ Clarified that payments are made using UPI number (not necessarily phone number)

As the digital payment landscape moves towards proprietary and centralised solutions, the options are somewhat limited for people running Free Software on their devices. Most payment services require installing an "app", and furthermore such apps are usually only available for Android and iOS devices. Furthermore, payment providers often add additional restrictions preventing their app from running on other Android-compatible OSes like LineageOS.

This page documents the available payment options in India for people using LineageOS, GrapheneOS, Mobian, or other non-Android and -iOS platforms.

== Unified Payments Interface (UPI) ==

UPI is a payments platform run by the National Payments Corporation of India (NPCI), a private grouping of financial institutions backed by the Reserve Bank of India. The NPCI allows third-party providers to make UPI based payment apps, which facilitate money transfers between banks. By promoting the use of QR codes instead of manually entering account identifiers, UPI has made digital payments convenient enough that has become widely popular in parts of the country.

You can make a UPI payment using one of the following identifiers:

* A UPI ID of the form `username@provider`
* A UPI number which can be either the 10-digit mobile number linked to your bank, or any unique 8- or 9-digit number of your choosing
* Your account number and IFSC code (usually the most cumbersome if you want to make a quick payment at a store)

Most UPI apps are proprietary and run a mandatory set of core SDK code provided by the NPCI. However, there are other ways to interact with the system as well, including NUUP, LibreFin, and 123Pay.

=== National Unified USSD Platform (NUUP, also known an *99#) ===

''Main article: [[NUUP]]''

[[NUUP]] is a service by the NCPI that allows you to make UPI transactions on any 2G capable phone, by dialling *99# from the number linked to your bank account.

While NUUP is theoretically supposed to work on all USSD supporting carriers in India (all the provider apart from Jio), the service is not very well maintained and keeps going down, or, in some cases, doesn't work at all. Specifically, it has never been observed to work with BSNL, is often down with Airtel, and works reasonably well with Vi but with a bug preventing one from entering new UPI IDs (so one has to always pay using a UPI number, hoping the intended recipient has configured it)

=== 123PAY ===

123PAY[https://www.npci.org.in/what-we-do/upi-123pay/product-overview] is a service similar to NUUP, but where you dial a phone number and interact through IVRS (Interactive Voice Responder Service) instead of through a USSD menu. Some banks provide their own bank-specific numbers for a similar service.

=== LibreFin ===

The [https://librefin.in LibreFin] project (under construction) aims to create a Free Software UPI app using reverse-engineered APIs. It is expected to be demoed at the IndiaFOSS 2025 conference in Bengaluru[https://fossunited.org/c/indiafoss/2025/cfp/c1ujjkgd9c].

== Immediate Payment Service (IMPS) ==

An alternative to UPI is to use IMPS with phone number beneficiary. IMPS is actually the base layer on which UPI is built, and can be accessed in a platform-independent manner through Net Banking. Due to this, people who have activated UPI on their bank account would have automatically activated IMPS as well.

IMPS used to require a full bank account number and IFSC code to make a transfer. However, in February 2024 [https://pavzi.com/imps-new-rules-2024-allowed-to-transfer-upto-5lacks-without-account-number/], they added the option to pay using a phone number and bank name instead. This makes it more suitable for quick payments as people are more likely to remember their phone number than their account number (let alone IFSC code!). Now, if we know someone's phone number and their bank name, we can transfer using IMPS over Net Banking.

It appears that not all Net Banking interfaces support the "phone number + bank name" option, possibly because the option is relatively new and banks may not have got around to upgrading their Net Banking interfaces yet. Additionally, some banks require adding a beneficiary first and waiting for four hours to be added, or have additional restrictions for IMPS Net Banking that are not present when using IMPS via their proprietary mobile app.

=== Supported banks ===

Banks where instant payment using phone number + bank name is known to be working through Net Banking:

* Federal Bank
* Bank of Baroda
* Indian Bank - they have both normal IMPS where you wait to add beneficiary, and "IMPS 24x7 - without adding beneficiary" that works instantly

=== Unsupported banks ===

Banks where instant payments using phone number + bank name is not possible through Net Banking:

* ICICI Bank - they still ask for MMID in addition to phone number.
* HDFC
* State Bank of India (SBI)
* City Union Bank (CUB) - they present a large form with lots of details. Specifically, IFSC code and account number seems to be mandatory (mobile number field also there, along with email, but there was no option to enter just the bank name)

Making payments using Free Software

2025-08-27T17:38:05Z

BadriHippo: /* Immediate Payment Service (IMPS) */ Added note about automatic activation upon setting up UPI

As the digital payment landscape moves towards proprietary and centralised solutions, the options are somewhat limited for people running Free Software on their devices. Most payment services require installing an "app", and furthermore such apps are usually only available for Android and iOS devices. Furthermore, payment providers often add additional restrictions preventing their app from running on other Android-compatible OSes like LineageOS.

This page documents the available payment options in India for people using LineageOS, GrapheneOS, Mobian, or other non-Android and -iOS platforms.

== Unified Payments Interface (UPI) ==

UPI is a payments platform run by the National Payments Corporation of India (NPCI), a private grouping of financial institutions backed by the Reserve Bank of India. The NPCI allows third-party providers to make UPI based payment apps, which facilitate money transfers between banks. By promoting the use of QR codes instead of manually entering account identifiers, UPI has made digital payments convenient enough that has become widely popular in parts of the country.

You can make a UPI payment using one of the following identifiers:

* A UPI ID of the form `username@provider`
* A UPI number which can be either the 10-digit mobile number linked to your bank, or any unique 8- or 9-digit number of your choosing
* Your account number and IFSC code (usually the most cumbersome if you want to make a quick payment at a store)

Most UPI apps are proprietary and run a mandatory set of core SDK code provided by the NPCI. However, there are other ways to interact with the system as well, including NUUP, LibreFin, and 123Pay.

=== National Unified USSD Platform (NUUP, also known an *99#) ===

''Main article: [[NUUP]]''

[[NUUP]] is a service by the NCPI that allows you to make UPI transactions on any 2G capable phone, by dialling *99# from the number linked to your bank account.

While NUUP is theoretically supposed to work on all USSD supporting carriers in India (all the provider apart from Jio), the service is not very well maintained and keeps going down, or, in some cases, doesn't work at all. Specifically, it has never been observed to work with BSNL, is often down with Airtel, and works reasonably well with Vi but with a bug preventing one from entering new UPI IDs (so one has to always pay using a phone number)

=== 123PAY ===

123PAY[https://www.npci.org.in/what-we-do/upi-123pay/product-overview] is a service similar to NUUP, but where you dial a phone number and interact through IVRS (Interactive Voice Responder Service) instead of through a USSD menu. Some banks provide their own bank-specific numbers for a similar service.

=== LibreFin ===

The [https://librefin.in LibreFin] project (under construction) aims to create a Free Software UPI app using reverse-engineered APIs. It is expected to be demoed at the IndiaFOSS 2025 conference in Bengaluru[https://fossunited.org/c/indiafoss/2025/cfp/c1ujjkgd9c].

== Immediate Payment Service (IMPS) ==

An alternative to UPI is to use IMPS with phone number beneficiary. IMPS is actually the base layer on which UPI is built, and can be accessed in a platform-independent manner through Net Banking. Due to this, people who have activated UPI on their bank account would have automatically activated IMPS as well.

IMPS used to require a full bank account number and IFSC code to make a transfer. However, in February 2024 [https://pavzi.com/imps-new-rules-2024-allowed-to-transfer-upto-5lacks-without-account-number/], they added the option to pay using a phone number and bank name instead. This makes it more suitable for quick payments as people are more likely to remember their phone number than their account number (let alone IFSC code!). Now, if we know someone's phone number and their bank name, we can transfer using IMPS over Net Banking.

It appears that not all Net Banking interfaces support the "phone number + bank name" option, possibly because the option is relatively new and banks may not have got around to upgrading their Net Banking interfaces yet. Additionally, some banks require adding a beneficiary first and waiting for four hours to be added, or have additional restrictions for IMPS Net Banking that are not present when using IMPS via their proprietary mobile app.

=== Supported banks ===

Banks where instant payment using phone number + bank name is known to be working through Net Banking:

* Federal Bank
* Bank of Baroda
* Indian Bank - they have both normal IMPS where you wait to add beneficiary, and "IMPS 24x7 - without adding beneficiary" that works instantly

=== Unsupported banks ===

Banks where instant payments using phone number + bank name is not possible through Net Banking:

* ICICI Bank - they still ask for MMID in addition to phone number.
* HDFC
* State Bank of India (SBI)
* City Union Bank (CUB) - they present a large form with lots of details. Specifically, IFSC code and account number seems to be mandatory (mobile number field also there, along with email, but there was no option to enter just the bank name)

Making payments using Free Software

2025-08-27T17:36:14Z

BadriHippo: /* LibreFin */ Added link to main "website"

As the digital payment landscape moves towards proprietary and centralised solutions, the options are somewhat limited for people running Free Software on their devices. Most payment services require installing an "app", and furthermore such apps are usually only available for Android and iOS devices. Furthermore, payment providers often add additional restrictions preventing their app from running on other Android-compatible OSes like LineageOS.

This page documents the available payment options in India for people using LineageOS, GrapheneOS, Mobian, or other non-Android and -iOS platforms.

== Unified Payments Interface (UPI) ==

UPI is a payments platform run by the National Payments Corporation of India (NPCI), a private grouping of financial institutions backed by the Reserve Bank of India. The NPCI allows third-party providers to make UPI based payment apps, which facilitate money transfers between banks. By promoting the use of QR codes instead of manually entering account identifiers, UPI has made digital payments convenient enough that has become widely popular in parts of the country.

You can make a UPI payment using one of the following identifiers:

* A UPI ID of the form `username@provider`
* A UPI number which can be either the 10-digit mobile number linked to your bank, or any unique 8- or 9-digit number of your choosing
* Your account number and IFSC code (usually the most cumbersome if you want to make a quick payment at a store)

Most UPI apps are proprietary and run a mandatory set of core SDK code provided by the NPCI. However, there are other ways to interact with the system as well, including NUUP, LibreFin, and 123Pay.

=== National Unified USSD Platform (NUUP, also known an *99#) ===

''Main article: [[NUUP]]''

[[NUUP]] is a service by the NCPI that allows you to make UPI transactions on any 2G capable phone, by dialling *99# from the number linked to your bank account.

While NUUP is theoretically supposed to work on all USSD supporting carriers in India (all the provider apart from Jio), the service is not very well maintained and keeps going down, or, in some cases, doesn't work at all. Specifically, it has never been observed to work with BSNL, is often down with Airtel, and works reasonably well with Vi but with a bug preventing one from entering new UPI IDs (so one has to always pay using a phone number)

=== 123PAY ===

123PAY[https://www.npci.org.in/what-we-do/upi-123pay/product-overview] is a service similar to NUUP, but where you dial a phone number and interact through IVRS (Interactive Voice Responder Service) instead of through a USSD menu. Some banks provide their own bank-specific numbers for a similar service.

=== LibreFin ===

The [https://librefin.in LibreFin] project (under construction) aims to create a Free Software UPI app using reverse-engineered APIs. It is expected to be demoed at the IndiaFOSS 2025 conference in Bengaluru[https://fossunited.org/c/indiafoss/2025/cfp/c1ujjkgd9c].

== Immediate Payment Service (IMPS) ==

An alternative to UPI is to use IMPS with phone number beneficiary. IMPS is actually the base layer on which UPI is built, and can be accessed in a platform-independent manner through Net Banking.

IMPS used to require a full bank account number and IFSC code to make a transfer. However, in February 2024 [https://pavzi.com/imps-new-rules-2024-allowed-to-transfer-upto-5lacks-without-account-number/], they added the option to pay using a phone number and bank name instead. This makes it more suitable for quick payments as people are more likely to remember their phone number than their account number (let alone IFSC code!). Now, if we know someone's phone number and their bank name, we can transfer using IMPS over Net Banking.

It appears that not all Net Banking interfaces support the "phone number + bank name" option, possibly because the option is relatively new and banks may not have got around to upgrading their Net Banking interfaces yet. Additionally, some banks require adding a beneficiary first and waiting for four hours to be added, or have additional restrictions for IMPS Net Banking that are not present when using IMPS via their proprietary mobile app.

=== Supported banks ===

Banks where instant payment using phone number + bank name is known to be working through Net Banking:

* Federal Bank
* Bank of Baroda
* Indian Bank - they have both normal IMPS where you wait to add beneficiary, and "IMPS 24x7 - without adding beneficiary" that works instantly

=== Unsupported banks ===

Banks where instant payments using phone number + bank name is not possible through Net Banking:

* ICICI Bank - they still ask for MMID in addition to phone number.
* HDFC
* State Bank of India (SBI)
* City Union Bank (CUB) - they present a large form with lots of details. Specifically, IFSC code and account number seems to be mandatory (mobile number field also there, along with email, but there was no option to enter just the bank name)

Payments

2025-08-27T17:29:30Z

BadriHippo: Redirected page to Making payments using Free Software

#REDIRECT [[Making payments using Free Software]]

NUUP

2025-08-27T17:28:51Z

BadriHippo: Shift IMPS section to new "Making payments with Free Software" page

The National Unified USSD Platform (NUUP) lets you use UPI by dialling *99#, without having to install a proprietary app.

The service is run by the National Payments Corporation of India (NPCI), the government-backed private company that also operates the UPI ecosystem itself.

== *99# and BHIM ==
Besides NUUP, NPCI also operates BHIM which is a proprietary app for Android smartphones. The two are linked in the sense that dialling *99# is essentially a different way of accessing your BHIM account. Practically, this means that if you run into issues setting up UPI payments with *99#, you can often work around this by borrowing a proprietary Android phone from someone and installing BHIM on that to link your bank and set up UPI payments. Once done, you can uninstall the app and make payments directly via *99#.

== Provider support ==
While NUUP is theoretically supposed to work on all USSD supporting carriers in India (all the provider apart from Jio), the service is not very well maintained and keeps going down, or, in some cases, doesn't work at all.

{| class="wikitable"
|+ Provider support for *99#
|-
! Provider !! Officially supported !! Actually working
|-
| Airtel || {{Tick}} || {{Tick}}
|-
| BSNL || {{Tick}} || {{Cross}}
|-
| Jio || {{Cross}} || {{Cross}}
|-
| MTNL || ||
|-
| Vi || {{Tick}} || {{Tick}} but can pay only to mobile numbers and not full upi ids.
|}

== Bank support ==
The NPCI [https://www.npci.org.in/what-we-do/99/live-members lists 103 banks] supporting *99# payments. However, each of them has their own slightly different interface to the service, and not all of them work seamlessly.

This section provides crowdsourced information on which banks have been known to work or not, as experienced by the FSCI community.

'''Note:''' Starting 1 October 2025, UPI collect request will [https://www.angelone.in/news/personal-finance/upi-collect-requests-to-end-from-october-1-what-phonepe-google-pay-paytm-users-must-know no longer be available for individuals] although it will still be available for businesses as well as online payments. The ostensible reason is to prevent "fraud" from people misusing the collect request functionality. Specifically, this means it will not be possible to ask people to request money in case adding via UPI ID is not working. Some UPI apps like Paytm and PhonePe have already stopped offering this feature.

{| class="wikitable sortable"
|+ Bank feature support on *99#
|-
! Bank !! Available on service !! Registration (if UPI PIN not set) !! Registration (if UPI PIN already set) !! Accepting payment request !! Receiving money!! Payment to beneficiary !! Payment to UPI ID !! Payment to Mobile Number !! Payment to Account/IFSC !! Setting UPI ID
|-
| City Union Bank || {{Tick}} || {{Cross}} Sends an SMS regarding UPI activation as well as an OTP, but USSD only says to "keep your debit card ready" and doesn't accept further input || {{Tick}} || {{Tick}} || {{Tick}} || || {{Cross}} truncates at `@` and claims "invalid UPI ID" || || || {{Tick}}
|-
| Federal Bank || {{Tick}} || || {{Tick}} || || || || || || ||
|-
| ICICI || {{Tick}} || {{Tick}} || {{Tick}} || || || || {{Tick}} on Airtel, but {{Cross}} on vi, which truncates at `@` and claims "invalid UPI ID" || {{Tick}} || ||
|-
| India Post Payments Bank || {{Cross}} Supposedly listed, but not actually present || {{Cross}} || {{Cross}} || {{Cross}} || || {{Cross}} || {{Cross}} || {{Cross}} || {{Cross}} || {{Cross}}
|-
| Indian Bank || {{Tick}} || {{Cross}} Allows debit card based registration but goes into loop due to bug with 6 digit PIN vs. 4 digit PIN || {{Tick}} || {{Tick}} || {{Tick}} || {{Tick}} || {{Cross}} truncates at `@` and claims "invalid UPI ID" || {{Tick}} || || {{Tick}}
|}

== See also ==

# [[Making payments using Free Software]]

Making payments using Free Software

2025-08-27T17:27:13Z

BadriHippo: Create the page!

As the digital payment landscape moves towards proprietary and centralised solutions, the options are somewhat limited for people running Free Software on their devices. Most payment services require installing an "app", and furthermore such apps are usually only available for Android and iOS devices. Furthermore, payment providers often add additional restrictions preventing their app from running on other Android-compatible OSes like LineageOS.

This page documents the available payment options in India for people using LineageOS, GrapheneOS, Mobian, or other non-Android and -iOS platforms.

== Unified Payments Interface (UPI) ==

UPI is a payments platform run by the National Payments Corporation of India (NPCI), a private grouping of financial institutions backed by the Reserve Bank of India. The NPCI allows third-party providers to make UPI based payment apps, which facilitate money transfers between banks. By promoting the use of QR codes instead of manually entering account identifiers, UPI has made digital payments convenient enough that has become widely popular in parts of the country.

You can make a UPI payment using one of the following identifiers:

* A UPI ID of the form `username@provider`
* A UPI number which can be either the 10-digit mobile number linked to your bank, or any unique 8- or 9-digit number of your choosing
* Your account number and IFSC code (usually the most cumbersome if you want to make a quick payment at a store)

Most UPI apps are proprietary and run a mandatory set of core SDK code provided by the NPCI. However, there are other ways to interact with the system as well, including NUUP, LibreFin, and 123Pay.

=== National Unified USSD Platform (NUUP, also known an *99#) ===

''Main article: [[NUUP]]''

[[NUUP]] is a service by the NCPI that allows you to make UPI transactions on any 2G capable phone, by dialling *99# from the number linked to your bank account.

While NUUP is theoretically supposed to work on all USSD supporting carriers in India (all the provider apart from Jio), the service is not very well maintained and keeps going down, or, in some cases, doesn't work at all. Specifically, it has never been observed to work with BSNL, is often down with Airtel, and works reasonably well with Vi but with a bug preventing one from entering new UPI IDs (so one has to always pay using a phone number)

=== 123PAY ===

123PAY[https://www.npci.org.in/what-we-do/upi-123pay/product-overview] is a service similar to NUUP, but where you dial a phone number and interact through IVRS (Interactive Voice Responder Service) instead of through a USSD menu. Some banks provide their own bank-specific numbers for a similar service.

=== LibreFin ===

The [[LibreFin]] project (under construction) aims to create a Free Software UPI app using reverse-engineered APIs. It is expected to be demoed at the IndiaFOSS 2025 conference in Bengaluru[https://fossunited.org/c/indiafoss/2025/cfp/c1ujjkgd9c].

== Immediate Payment Service (IMPS) ==

An alternative to UPI is to use IMPS with phone number beneficiary. IMPS is actually the base layer on which UPI is built, and can be accessed in a platform-independent manner through Net Banking.

IMPS used to require a full bank account number and IFSC code to make a transfer. However, in February 2024 [https://pavzi.com/imps-new-rules-2024-allowed-to-transfer-upto-5lacks-without-account-number/], they added the option to pay using a phone number and bank name instead. This makes it more suitable for quick payments as people are more likely to remember their phone number than their account number (let alone IFSC code!). Now, if we know someone's phone number and their bank name, we can transfer using IMPS over Net Banking.

It appears that not all Net Banking interfaces support the "phone number + bank name" option, possibly because the option is relatively new and banks may not have got around to upgrading their Net Banking interfaces yet. Additionally, some banks require adding a beneficiary first and waiting for four hours to be added, or have additional restrictions for IMPS Net Banking that are not present when using IMPS via their proprietary mobile app.

=== Supported banks ===

Banks where instant payment using phone number + bank name is known to be working through Net Banking:

* Federal Bank
* Bank of Baroda
* Indian Bank - they have both normal IMPS where you wait to add beneficiary, and "IMPS 24x7 - without adding beneficiary" that works instantly

=== Unsupported banks ===

Banks where instant payments using phone number + bank name is not possible through Net Banking:

* ICICI Bank - they still ask for MMID in addition to phone number.
* HDFC
* State Bank of India (SBI)
* City Union Bank (CUB) - they present a large form with lots of details. Specifically, IFSC code and account number seems to be mandatory (mobile number field also there, along with email, but there was no option to enter just the bank name)

NUUP

2025-08-27T17:05:50Z

BadriHippo: Created from UPI page

The National Unified USSD Platform (NUUP) lets you use UPI by dialling *99#, without having to install a proprietary app.

The service is run by the National Payments Corporation of India (NPCI), the government-backed private company that also operates the UPI ecosystem itself.

== *99# and BHIM ==
Besides NUUP, NPCI also operates BHIM which is a proprietary app for Android smartphones. The two are linked in the sense that dialling *99# is essentially a different way of accessing your BHIM account. Practically, this means that if you run into issues setting up UPI payments with *99#, you can often work around this by borrowing a proprietary Android phone from someone and installing BHIM on that to link your bank and set up UPI payments. Once done, you can uninstall the app and make payments directly via *99#.

== Provider support ==
While NUUP is theoretically supposed to work on all USSD supporting carriers in India (all the provider apart from Jio), the service is not very well maintained and keeps going down, or, in some cases, doesn't work at all.

{| class="wikitable"
|+ Provider support for *99#
|-
! Provider !! Officially supported !! Actually working
|-
| Airtel || {{Tick}} || {{Tick}}
|-
| BSNL || {{Tick}} || {{Cross}}
|-
| Jio || {{Cross}} || {{Cross}}
|-
| MTNL || ||
|-
| Vi || {{Tick}} || {{Tick}} but can pay only to mobile numbers and not full upi ids.
|}

== Bank support ==
The NPCI [https://www.npci.org.in/what-we-do/99/live-members lists 103 banks] supporting *99# payments. However, each of them has their own slightly different interface to the service, and not all of them work seamlessly.

This section provides crowdsourced information on which banks have been known to work or not, as experienced by the FSCI community.

'''Note:''' Starting 1 October 2025, UPI collect request will [https://www.angelone.in/news/personal-finance/upi-collect-requests-to-end-from-october-1-what-phonepe-google-pay-paytm-users-must-know no longer be available for individuals] although it will still be available for businesses as well as online payments. The ostensible reason is to prevent "fraud" from people misusing the collect request functionality. Specifically, this means it will not be possible to ask people to request money in case adding via UPI ID is not working. Some UPI apps like Paytm and PhonePe have already stopped offering this feature.

{| class="wikitable sortable"
|+ Bank feature support on *99#
|-
! Bank !! Available on service !! Registration (if UPI PIN not set) !! Registration (if UPI PIN already set) !! Accepting payment request !! Receiving money!! Payment to beneficiary !! Payment to UPI ID !! Payment to Mobile Number !! Payment to Account/IFSC !! Setting UPI ID
|-
| City Union Bank || {{Tick}} || {{Cross}} Sends an SMS regarding UPI activation as well as an OTP, but USSD only says to "keep your debit card ready" and doesn't accept further input || {{Tick}} || {{Tick}} || {{Tick}} || || {{Cross}} truncates at `@` and claims "invalid UPI ID" || || || {{Tick}}
|-
| Federal Bank || {{Tick}} || || {{Tick}} || || || || || || ||
|-
| ICICI || {{Tick}} || {{Tick}} || {{Tick}} || || || || {{Tick}} on Airtel, but {{Cross}} on vi, which truncates at `@` and claims "invalid UPI ID" || {{Tick}} || ||
|-
| India Post Payments Bank || {{Cross}} Supposedly listed, but not actually present || {{Cross}} || {{Cross}} || {{Cross}} || || {{Cross}} || {{Cross}} || {{Cross}} || {{Cross}} || {{Cross}}
|-
| Indian Bank || {{Tick}} || {{Cross}} Allows debit card based registration but goes into loop due to bug with 6 digit PIN vs. 4 digit PIN || {{Tick}} || {{Tick}} || {{Tick}} || {{Tick}} || {{Cross}} truncates at `@` and claims "invalid UPI ID" || {{Tick}} || || {{Tick}}
|}

== IMPS ==
An alternative to UPI is to use IMPS with phone number beneficiary (it also allows account number + IFSC) which needs phone number + Bank name only. So if we know someone's phone number and their bank name, we can transfer using IMPS/Net Banking.

Banks with Net Banking where sending money like this is confirmed working,

# Federal Bank
# Bank of Baroda
# Indian Bank - they have both normal IMPS where you wait to add beneficiary, and "IMPS 24x7 - without adding beneficiary" that works instantly

Banks that don't offer this option,

# ICICI Bank - they still ask for MMID in addition to phone number.
# HDFC
# SBI
# City Union Bank (CUB) - they present a large form with lots of details. Specifically, IFSC code and account number seems to be mandatory (mobile number field also there, along with email, but there was no option to enter just the bank name)

Reference: This option was introduced from 1st February 2024 [https://pavzi.com/imps-new-rules-2024-allowed-to-transfer-upto-5lacks-without-account-number/] But all banks may not have implemented this in their Net Banking applications yet.

UPI

2025-08-27T17:05:46Z

BadriHippo: Redirect to NUUP page (we can do this until we get specific content to put here)

#REDIRECT [[NUUP]]

UPI

2025-08-27T16:46:45Z

BadriHippo: Fix link because <ref/> didn't work

The National Unified USSD Platform (NUUP) lets you use UPI by dialling *99#, without having to install a proprietary app.

The service is run by the National Payments Corporation of India (NPCI), the government-backed private company that also operates the UPI ecosystem itself.

== *99# and BHIM ==
Besides NUUP, NPCI also operates BHIM which is a proprietary app for Android smartphones. The two are linked in the sense that dialling *99# is essentially a different way of accessing your BHIM account. Practically, this means that if you run into issues setting up UPI payments with *99#, you can often work around this by borrowing a proprietary Android phone from someone and installing BHIM on that to link your bank and set up UPI payments. Once done, you can uninstall the app and make payments directly via *99#.

== Provider support ==
While NUUP is theoretically supposed to work on all USSD supporting carriers in India (all the provider apart from Jio), the service is not very well maintained and keeps going down, or, in some cases, doesn't work at all.

{| class="wikitable"
|+ Provider support for *99#
|-
! Provider !! Officially supported !! Actually working
|-
| Airtel || {{Tick}} || {{Tick}}
|-
| BSNL || {{Tick}} || {{Cross}}
|-
| Jio || {{Cross}} || {{Cross}}
|-
| MTNL || ||
|-
| Vi || {{Tick}} || {{Tick}} but can pay only to mobile numbers and not full upi ids.
|}

== Bank support ==
The NPCI [https://www.npci.org.in/what-we-do/99/live-members lists 103 banks] supporting *99# payments. However, each of them has their own slightly different interface to the service, and not all of them work seamlessly.

This section provides crowdsourced information on which banks have been known to work or not, as experienced by the FSCI community.

'''Note:''' Starting 1 October 2025, UPI collect request will [https://www.angelone.in/news/personal-finance/upi-collect-requests-to-end-from-october-1-what-phonepe-google-pay-paytm-users-must-know no longer be available for individuals] although it will still be available for businesses as well as online payments. The ostensible reason is to prevent "fraud" from people misusing the collect request functionality. Specifically, this means it will not be possible to ask people to request money in case adding via UPI ID is not working. Some UPI apps like Paytm and PhonePe have already stopped offering this feature.

{| class="wikitable sortable"
|+ Bank feature support on *99#
|-
! Bank !! Available on service !! Registration (if UPI PIN not set) !! Registration (if UPI PIN already set) !! Accepting payment request !! Receiving money!! Payment to beneficiary !! Payment to UPI ID !! Payment to Mobile Number !! Payment to Account/IFSC !! Setting UPI ID
|-
| City Union Bank || {{Tick}} || {{Cross}} Sends an SMS regarding UPI activation as well as an OTP, but USSD only says to "keep your debit card ready" and doesn't accept further input || {{Tick}} || {{Tick}} || {{Tick}} || || {{Cross}} truncates at `@` and claims "invalid UPI ID" || || || {{Tick}}
|-
| Federal Bank || {{Tick}} || || {{Tick}} || || || || || || ||
|-
| ICICI || {{Tick}} || {{Tick}} || {{Tick}} || || || || {{Tick}} on Airtel, but {{Cross}} on vi, which truncates at `@` and claims "invalid UPI ID" || {{Tick}} || ||
|-
| India Post Payments Bank || {{Cross}} Supposedly listed, but not actually present || {{Cross}} || {{Cross}} || {{Cross}} || || {{Cross}} || {{Cross}} || {{Cross}} || {{Cross}} || {{Cross}}
|-
| Indian Bank || {{Tick}} || {{Cross}} Allows debit card based registration but goes into loop due to bug with 6 digit PIN vs. 4 digit PIN || {{Tick}} || {{Tick}} || {{Tick}} || {{Tick}} || {{Cross}} truncates at `@` and claims "invalid UPI ID" || {{Tick}} || || {{Tick}}
|}

== IMPS ==
An alternative to UPI is to use IMPS with phone number beneficiary (it also allows account number + IFSC) which needs phone number + Bank name only. So if we know someone's phone number and their bank name, we can transfer using IMPS/Net Banking.

Banks with Net Banking where sending money like this is confirmed working,

# Federal Bank
# Bank of Baroda
# Indian Bank - they have both normal IMPS where you wait to add beneficiary, and "IMPS 24x7 - without adding beneficiary" that works instantly

Banks that don't offer this option,

# ICICI Bank - they still ask for MMID in addition to phone number.
# HDFC
# SBI
# City Union Bank (CUB) - they present a large form with lots of details. Specifically, IFSC code and account number seems to be mandatory (mobile number field also there, along with email, but there was no option to enter just the bank name)

Reference: This option was introduced from 1st February 2024 [https://pavzi.com/imps-new-rules-2024-allowed-to-transfer-upto-5lacks-without-account-number/] But all banks may not have implemented this in their Net Banking applications yet.

UPI

2025-08-27T16:42:51Z

BadriHippo: /* Bank support */ Add note about Request support being dropped for individuals

The National Unified USSD Platform (NUUP) lets you use UPI by dialling *99#, without having to install a proprietary app.

The service is run by the National Payments Corporation of India (NPCI), the government-backed private company that also operates the UPI ecosystem itself.

== *99# and BHIM ==
Besides NUUP, NPCI also operates BHIM which is a proprietary app for Android smartphones. The two are linked in the sense that dialling *99# is essentially a different way of accessing your BHIM account. Practically, this means that if you run into issues setting up UPI payments with *99#, you can often work around this by borrowing a proprietary Android phone from someone and installing BHIM on that to link your bank and set up UPI payments. Once done, you can uninstall the app and make payments directly via *99#.

== Provider support ==
While NUUP is theoretically supposed to work on all USSD supporting carriers in India (all the provider apart from Jio), the service is not very well maintained and keeps going down, or, in some cases, doesn't work at all.

{| class="wikitable"
|+ Provider support for *99#
|-
! Provider !! Officially supported !! Actually working
|-
| Airtel || {{Tick}} || {{Tick}}
|-
| BSNL || {{Tick}} || {{Cross}}
|-
| Jio || {{Cross}} || {{Cross}}
|-
| MTNL || ||
|-
| Vi || {{Tick}} || {{Tick}} but can pay only to mobile numbers and not full upi ids.
|}

== Bank support ==
The NPCI [https://www.npci.org.in/what-we-do/99/live-members lists 103 banks] supporting *99# payments. However, each of them has their own slightly different interface to the service, and not all of them work seamlessly.

This section provides crowdsourced information on which banks have been known to work or not, as experienced by the FSCI community.

'''Note:''' Starting 1 October 2025, UPI collect request will no longer be available for individuals<ref>[https://www.angelone.in/news/personal-finance/upi-collect-requests-to-end-from-october-1-what-phonepe-google-pay-paytm-users-must-know] although it will still be available for businesses as well as online payments. The ostensible reason is to prevent "fraud" from people misusing the collect request functionality. Specifically, this means it will not be possible to ask people to request money in case adding via UPI ID is not working. Some UPI apps like Paytm and PhonePe have already stopped offering this feature.

{| class="wikitable sortable"
|+ Bank feature support on *99#
|-
! Bank !! Available on service !! Registration (if UPI PIN not set) !! Registration (if UPI PIN already set) !! Accepting payment request !! Receiving money!! Payment to beneficiary !! Payment to UPI ID !! Payment to Mobile Number !! Payment to Account/IFSC !! Setting UPI ID
|-
| City Union Bank || {{Tick}} || {{Cross}} Sends an SMS regarding UPI activation as well as an OTP, but USSD only says to "keep your debit card ready" and doesn't accept further input || {{Tick}} || {{Tick}} || {{Tick}} || || {{Cross}} truncates at `@` and claims "invalid UPI ID" || || || {{Tick}}
|-
| Federal Bank || {{Tick}} || || {{Tick}} || || || || || || ||
|-
| ICICI || {{Tick}} || {{Tick}} || {{Tick}} || || || || {{Tick}} on Airtel, but {{Cross}} on vi, which truncates at `@` and claims "invalid UPI ID" || {{Tick}} || ||
|-
| India Post Payments Bank || {{Cross}} Supposedly listed, but not actually present || {{Cross}} || {{Cross}} || {{Cross}} || || {{Cross}} || {{Cross}} || {{Cross}} || {{Cross}} || {{Cross}}
|-
| Indian Bank || {{Tick}} || {{Cross}} Allows debit card based registration but goes into loop due to bug with 6 digit PIN vs. 4 digit PIN || {{Tick}} || {{Tick}} || {{Tick}} || {{Tick}} || {{Cross}} truncates at `@` and claims "invalid UPI ID" || {{Tick}} || || {{Tick}}
|}

== IMPS ==
An alternative to UPI is to use IMPS with phone number beneficiary (it also allows account number + IFSC) which needs phone number + Bank name only. So if we know someone's phone number and their bank name, we can transfer using IMPS/Net Banking.

Banks with Net Banking where sending money like this is confirmed working,

# Federal Bank
# Bank of Baroda
# Indian Bank - they have both normal IMPS where you wait to add beneficiary, and "IMPS 24x7 - without adding beneficiary" that works instantly

Banks that don't offer this option,

# ICICI Bank - they still ask for MMID in addition to phone number.
# HDFC
# SBI
# City Union Bank (CUB) - they present a large form with lots of details. Specifically, IFSC code and account number seems to be mandatory (mobile number field also there, along with email, but there was no option to enter just the bank name)

Reference: This option was introduced from 1st February 2024 [https://pavzi.com/imps-new-rules-2024-allowed-to-transfer-upto-5lacks-without-account-number/] But all banks may not have implemented this in their Net Banking applications yet.

UPI

2025-08-27T06:41:54Z

BadriHippo: /* IMPS */ Added City Union Bank (CUB) to list of non-working banks

The National Unified USSD Platform (NUUP) lets you use UPI by dialling *99#, without having to install a proprietary app.

The service is run by the National Payments Corporation of India (NPCI), the government-backed private company that also operates the UPI ecosystem itself.

== *99# and BHIM ==
Besides NUUP, NPCI also operates BHIM which is a proprietary app for Android smartphones. The two are linked in the sense that dialling *99# is essentially a different way of accessing your BHIM account. Practically, this means that if you run into issues setting up UPI payments with *99#, you can often work around this by borrowing a proprietary Android phone from someone and installing BHIM on that to link your bank and set up UPI payments. Once done, you can uninstall the app and make payments directly via *99#.

== Provider support ==
While NUUP is theoretically supposed to work on all USSD supporting carriers in India (all the provider apart from Jio), the service is not very well maintained and keeps going down, or, in some cases, doesn't work at all.

{| class="wikitable"
|+ Provider support for *99#
|-
! Provider !! Officially supported !! Actually working
|-
| Airtel || {{Tick}} || {{Tick}}
|-
| BSNL || {{Tick}} || {{Cross}}
|-
| Jio || {{Cross}} || {{Cross}}
|-
| MTNL || ||
|-
| Vi || {{Tick}} || {{Tick}} but can pay only to mobile numbers and not full upi ids.
|}

== Bank support ==
The NPCI [https://www.npci.org.in/what-we-do/99/live-members lists 103 banks] supporting *99# payments. However, each of them has their own slightly different interface to the service, and not all of them work seamlessly.

This section provides crowdsourced information on which banks have been known to work or not, as experienced by the FSCI community.

{| class="wikitable sortable"
|+ Bank feature support on *99#
|-
! Bank !! Available on service !! Registration (if UPI PIN not set) !! Registration (if UPI PIN already set) !! Accepting payment request !! Receiving money!! Payment to beneficiary !! Payment to UPI ID !! Payment to Mobile Number !! Payment to Account/IFSC !! Setting UPI ID
|-
| City Union Bank || {{Tick}} || {{Cross}} Sends an SMS regarding UPI activation as well as an OTP, but USSD only says to "keep your debit card ready" and doesn't accept further input || {{Tick}} || {{Tick}} || {{Tick}} || || {{Cross}} truncates at `@` and claims "invalid UPI ID" || || || {{Tick}}
|-
| Federal Bank || {{Tick}} || || {{Tick}} || || || || || || ||
|-
| ICICI || {{Tick}} || {{Tick}} || {{Tick}} || || || || {{Tick}} on Airtel, but {{Cross}} on vi, which truncates at `@` and claims "invalid UPI ID" || {{Tick}} || ||
|-
| India Post Payments Bank || {{Cross}} Supposedly listed, but not actually present || {{Cross}} || {{Cross}} || {{Cross}} || || {{Cross}} || {{Cross}} || {{Cross}} || {{Cross}} || {{Cross}}
|-
| Indian Bank || {{Tick}} || {{Cross}} Allows debit card based registration but goes into loop due to bug with 6 digit PIN vs. 4 digit PIN || {{Tick}} || {{Tick}} || {{Tick}} || {{Tick}} || {{Cross}} truncates at `@` and claims "invalid UPI ID" || {{Tick}} || || {{Tick}}
|}

== IMPS ==
An alternative to UPI is to use IMPS with phone number beneficiary (it also allows account number + IFSC) which needs phone number + Bank name only. So if we know someone's phone number and their bank name, we can transfer using IMPS/Net Banking.

Banks with Net Banking where sending money like this is confirmed working,

# Federal Bank
# Bank of Baroda
# Indian Bank - they have both normal IMPS where you wait to add beneficiary, and "IMPS 24x7 - without adding beneficiary" that works instantly

Banks that don't offer this option,

# ICICI Bank - they still ask for MMID in addition to phone number.
# HDFC
# SBI
# City Union Bank (CUB) - they present a large form with lots of details. Specifically, IFSC code and account number seems to be mandatory (mobile number field also there, along with email, but there was no option to enter just the bank name)

UPI

2025-08-27T06:35:41Z

BadriHippo: /* IMPS */ Added Indian bank to list of known working banks

The National Unified USSD Platform (NUUP) lets you use UPI by dialling *99#, without having to install a proprietary app.

The service is run by the National Payments Corporation of India (NPCI), the government-backed private company that also operates the UPI ecosystem itself.

== *99# and BHIM ==
Besides NUUP, NPCI also operates BHIM which is a proprietary app for Android smartphones. The two are linked in the sense that dialling *99# is essentially a different way of accessing your BHIM account. Practically, this means that if you run into issues setting up UPI payments with *99#, you can often work around this by borrowing a proprietary Android phone from someone and installing BHIM on that to link your bank and set up UPI payments. Once done, you can uninstall the app and make payments directly via *99#.

== Provider support ==
While NUUP is theoretically supposed to work on all USSD supporting carriers in India (all the provider apart from Jio), the service is not very well maintained and keeps going down, or, in some cases, doesn't work at all.

{| class="wikitable"
|+ Provider support for *99#
|-
! Provider !! Officially supported !! Actually working
|-
| Airtel || {{Tick}} || {{Tick}}
|-
| BSNL || {{Tick}} || {{Cross}}
|-
| Jio || {{Cross}} || {{Cross}}
|-
| MTNL || ||
|-
| Vi || {{Tick}} || {{Tick}} but can pay only to mobile numbers and not full upi ids.
|}

== Bank support ==
The NPCI [https://www.npci.org.in/what-we-do/99/live-members lists 103 banks] supporting *99# payments. However, each of them has their own slightly different interface to the service, and not all of them work seamlessly.

This section provides crowdsourced information on which banks have been known to work or not, as experienced by the FSCI community.

{| class="wikitable sortable"
|+ Bank feature support on *99#
|-
! Bank !! Available on service !! Registration (if UPI PIN not set) !! Registration (if UPI PIN already set) !! Accepting payment request !! Receiving money!! Payment to beneficiary !! Payment to UPI ID !! Payment to Mobile Number !! Payment to Account/IFSC !! Setting UPI ID
|-
| City Union Bank || {{Tick}} || {{Cross}} Sends an SMS regarding UPI activation as well as an OTP, but USSD only says to "keep your debit card ready" and doesn't accept further input || {{Tick}} || {{Tick}} || {{Tick}} || || {{Cross}} truncates at `@` and claims "invalid UPI ID" || || || {{Tick}}
|-
| Federal Bank || {{Tick}} || || {{Tick}} || || || || || || ||
|-
| ICICI || {{Tick}} || {{Tick}} || {{Tick}} || || || || {{Tick}} on Airtel, but {{Cross}} on vi, which truncates at `@` and claims "invalid UPI ID" || {{Tick}} || ||
|-
| India Post Payments Bank || {{Cross}} Supposedly listed, but not actually present || {{Cross}} || {{Cross}} || {{Cross}} || || {{Cross}} || {{Cross}} || {{Cross}} || {{Cross}} || {{Cross}}
|-
| Indian Bank || {{Tick}} || {{Cross}} Allows debit card based registration but goes into loop due to bug with 6 digit PIN vs. 4 digit PIN || {{Tick}} || {{Tick}} || {{Tick}} || {{Tick}} || {{Cross}} truncates at `@` and claims "invalid UPI ID" || {{Tick}} || || {{Tick}}
|}

== IMPS ==
An alternative to UPI is to use IMPS with phone number beneficiary (it also allows account number + IFSC) which needs phone number + Bank name only. So if we know someone's phone number and their bank name, we can transfer using IMPS/Net Banking.

Banks with Net Banking where sending money like this is confirmed working,

# Federal Bank
# Bank of Baroda
# Indian Bank - they have both normal IMPS where you wait to add beneficiary, and "IMPS 24x7 - without adding beneficiary" that works instantly

Banks that don't offer this option,

# ICICI Bank - they still ask for MMID in addition to phone number.
# HDFC
# SBI

UPI

2025-08-05T11:52:43Z

BadriHippo: /* Bank support */ blank "setting UPI ID" for Federal Bank since I'm not sure about it (added by mistake)

UPI

2025-08-05T11:50:35Z

BadriHippo: /* Provider support */ Template typo: Check -> Tick

UPI

2025-08-05T11:49:06Z

BadriHippo: Added "set UPI ID" feature column and made provider info into table

UPI

2025-08-05T11:41:25Z

BadriHippo: Tweak "not UPI PIN set" header and added more info on Indian Bank and CUB

Template:Tick

2025-08-05T11:32:13Z

BadriHippo: Update to better match with Cross template

✔

Template:Cross

2025-08-05T11:32:09Z

BadriHippo: Update to better match with Tick template

✘

UPI

2025-08-05T11:29:00Z

BadriHippo: Create more detailed data table on bank feature support

Template:Cross

2025-08-05T11:24:25Z

BadriHippo: Create for use in data comparison tables

❌

Template:Tick

2025-08-05T11:21:09Z

BadriHippo: Added for use in feature comparison tables (hope it works!)

✓

UPI

2025-08-05T10:41:49Z

BadriHippo: Updated page with more detailed info on the service; added info on City Union Bank, Indian Bank, and IPPB

Contact

2025-08-05T10:08:41Z

BadriHippo: Added a link to the administrator list

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