NUUP: Difference between revisions

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


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


== Provider support ==
== Provider support ==
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| MTNL    ||                      ||
| MTNL    ||                      ||
|-
|-
| Vi      || {{Tick}}            || {{Tick}} but can pay only to mobile numbers and not full upi ids.
| Vi      || {{Tick}}            || {{Tick}} but can pay only to mobile numbers and not full upi ids. collect requests works.
|}
|}
[[File:Nuup-vi.png|alt=USSD failure with vi|thumb|Vi failing with UPI ID]]


== Bank support ==
== Bank support ==
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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 [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"
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| 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}}
| 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}}            ||                                                ||                ||                      ||                                ||                                ||                         ||
| Federal Bank            || {{Tick}}            ||                                  || {{Tick}}            ||                                                ||                ||                      ||                                yes||                                yes|| ||
|-
| Kotak Bank            || {{Tick}}            ||                                  || {{Tick}}            ||                                                ||                ||                      ||                                yes||                                yes|| ||
|-
|-
| ICICI                    || {{Tick}}            || {{Tick}} || {{Tick}}            ||                                        ||                ||            || {{Tick}} on Airtel, but {{Cross}} on vi, which truncates at `@` and claims "invalid UPI ID"                  ||  {{Tick}}      ||            ||  
| ICICI                    || {{Tick}}            || {{Tick}} || {{Tick}}            ||                                        ||                ||            || {{Tick}} on Airtel, but {{Cross}} on vi, which truncates at `@` and claims "invalid UPI ID"                  ||  {{Tick}}      ||            ||  
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|-
|-
| 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}}
|-
|Central Bank of India
|{{Tick}}
|
|
|
|
|{{Tick}}
|{{Tick}}
|{{Tick}}
|
|
|}
|}


== IMPS ==
== City Support ==
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.
It is observed to be working only in selected cities.
 
Confirmed working: Bengaluru, Kochi, Mumbai, Gurugram
 
Confirmed not working: Ahmedabad, Kolkata, Palakkad, Pune, Surat, Coimbatore
 
== Limitations ==
Dynamic QR codes generated by payment machines don't work. Only fixed QR codes / UPI ids 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.
 
== 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 diasl *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 works 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!
 
== 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.


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


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


Banks that don't offer this option,
</syntaxhighlight>


# ICICI Bank - they still ask for MMID in addition to phone number.
== See also ==
# 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.
# [[Making payments using Free Software]]
Retrieved from "https://wiki.fsci.in/NUUP"