Making payments using Free Software: Difference between revisions

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[[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)

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.

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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].

=== Create a QR to receive money ===

If you carry cash, but don't have change, you can create a QR for your UPI id. Take UPI address from an existing QR, replace UPI id with yours and then generate QR for your UPI urls using any online QR generators.

You can show the image on your phone or carry a print out. This can work well for autos and taxies (tried and tested). But in shops it may not work if they have setup to receive only. You can try giving cash to someone, either the worker or another willing customer, they can then do two QR payments (one to shop and then return change to you).

== 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.

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.

@@ Line 21: / Line 21: @@
 [[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)
+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.''
 PAY<sup>[https://www.npci.org.in/what-we-do/upi-123pay/product-overview]</sup> 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.
@@ Line 30: / Line 31: @@
 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<sup>[https://fossunited.org/c/indiafoss/2025/cfp/c1ujjkgd9c]</sup>.
+=== Create a QR to receive money ===
+If you carry cash, but don't have change, you can create a QR for your UPI id. Take UPI address from an existing QR, replace UPI id with yours and then generate QR for your UPI urls using any online QR generators.
+You can show the image on your phone or carry a print out. This can work well for autos and taxies (tried and tested). But in shops it may not work if they have setup to receive only. You can try giving cash to someone, either the worker or another willing customer, they can then do two QR payments (one to shop and then return change to you).
 == 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.
+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 <sup>[https://pavzi.com/imps-new-rules-2024-allowed-to-transfer-upto-5lacks-without-account-number/]</sup>, 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.