UPI - Revision history

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

2025-08-27T17:05:46Z

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

← Older revision		Revision as of 22:35, 27 August 2025
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	~~The National Unified USSD Platform (NUUP) lets you use UPI by dialling *99#, without having to install a proprietary app.~~		#REDIRECT [[NUUP]]

	~~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.~~

BadriHippo: Fix link because didn't work

2025-08-27T16:46:45Z

Fix link because <ref/> didn't work

← Older revision		Revision as of 22:16, 27 August 2025
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	This section provides crowdsourced information on which banks have been known to work or not, as experienced by the FSCI community.		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.		'''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"		{\| class="wikitable sortable"

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

2025-08-27T16:42:51Z

Bank support: Add note about Request support being dropped for individuals

← Older revision		Revision as of 22:12, 27 August 2025
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	This section provides crowdsourced information on which banks have been known to work or not, as experienced by the FSCI community.		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"		{\| class="wikitable sortable"

Pravs: /* IMPS */add reference article for imps with phone number and bank name option

2025-08-27T10:07:48Z

IMPS: add reference article for imps with phone number and bank name option

← Older revision		Revision as of 15:37, 27 August 2025
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	# SBI		# 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)		# 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.

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

2025-08-27T06:41:54Z

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

← Older revision		Revision as of 12:11, 27 August 2025
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	# HDFC		# HDFC
	# SBI		# 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)

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

2025-08-27T06:35:41Z

IMPS: Added Indian bank to list of known working banks

← Older revision		Revision as of 12:05, 27 August 2025
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	# Federal Bank		# Federal Bank
	# Bank of Baroda		# 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,		Banks that don't offer this option,

Pravs: /* IMPS */hdfc and sbi don't have this

2025-08-26T19:13:11Z

IMPS: hdfc and sbi don't have this

← Older revision		Revision as of 00:43, 27 August 2025
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	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.		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 where this is confirmed working,		Banks with Net Banking where sending money like this is confirmed working,

	# Federal Bank		# Federal Bank
Line 57:		Line 57:

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

Pravs: mention supported banks

2025-08-26T14:19:59Z

mention supported banks

← Older revision		Revision as of 19:49, 26 August 2025
Line 49:		Line 49:
	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.		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.

	~~So far~~ this ~~was~~ confirmed ~~with~~ Federal Bank~~. Though with~~ ICICI Bank, they still ask for MMID.		Banks where this is confirmed working,

			# Federal Bank
			# Bank of Baroda

			Banks that don't offer this option,

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

Pravs at 14:17, 26 August 2025

2025-08-26T14:17:28Z

← Older revision		Revision as of 19:47, 26 August 2025
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	The service is run by the National Payments Corporation of India (NPCI), the government-backed private company that also operates the UPI ecosystem itself.		The service is run by the National Payments Corporation of India (NPCI), the government-backed private company that also operates the UPI ecosystem itself.

	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.

	== *99# and BHIM ==		== *99# and BHIM ==
Line 47:		Line 45:
	\| 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}}		\| 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.

			So far this was confirmed with Federal Bank. Though with ICICI Bank, they still ask for MMID.

Pravs: mention imps with phone number + bank name as alternative

2025-08-26T13:18:31Z

mention imps with phone number + bank name as alternative

← Older revision		Revision as of 18:48, 26 August 2025
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	The service is run by the National Payments Corporation of India (NPCI), the government-backed private company that also operates the UPI ecosystem itself.		The service is run by the National Payments Corporation of India (NPCI), the government-backed private company that also operates the UPI ecosystem itself.

			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.

	== *99# and BHIM ==		== *99# and BHIM ==