NUUP: Difference between revisions

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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.

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| 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 ==

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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.

'''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"

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|-

| 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}} || ||

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It is observed to be working only in selected cities.

Confirmed working: Mumbai, ~~Kochi~~

Confirmed working: Bengaluru, Kochi, Mumbai

Confirmed not working: Ahmedabad, Kolkata, Palakkad, Pune, Surat, Coimbatore

== 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.

~~Confirmed not working~~: ~~Palakkad~~

== Directly Opening a specific screen ==

We can send choices directly as well. *99*1# will directly open the send money screen. *99*1*3# will directly open the screen to enter 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!

== See also ==

# [[Making payments using Free Software]]

@@ Line 1: / Line 1: @@
+[[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.
@@ Line 22: / Line 24: @@
 | 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 ==
@@ Line 29: / Line 33: @@
 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"
@@ Line 40: / Line 42: @@
 |-
 | 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}}      ||            ||
@@ Line 51: / Line 55: @@
 It is observed to be working only in selected cities.
-Confirmed working: Mumbai, Kochi
+Confirmed working: Bengaluru, Kochi, Mumbai
+Confirmed not working: Ahmedabad, Kolkata, Palakkad, Pune, Surat, Coimbatore
+== 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.
-Confirmed not working: Palakkad
+== Directly Opening a specific screen ==
+We can send choices directly as well. *99*1# will directly open the send money screen. *99*1*3# will directly open the screen to enter 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!
 == See also ==
 # [[Making payments using Free Software]]