NUUP: Difference between revisions
→*99# and BHIM: add link to official page |
Federal bank broke in March 2026 Tags: Visual edit Mobile edit Mobile web edit Advanced mobile edit |
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[[File:*99- USSD.png|alt=USSD Sample|thumb|*99# USSD]] | [[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. 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. | |||
== *99# and BHIM == | == *99# and BHIM == | ||
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! Provider !! Officially supported !! Actually working | ! Provider !! Officially supported !! Actually working | ||
!Notes | |||
|- | |- | ||
| Airtel || {{Tick}} || {{Tick}} | | Airtel || {{Tick}} || {{Tick}} | ||
| | |||
|- | |- | ||
| BSNL || {{Tick}} || {{Cross}} | | BSNL || {{Tick}} || {{Cross}} | ||
| | |||
|- | |- | ||
| Jio || {{Cross}} || {{Cross}} | | Jio || {{Cross}} || {{Cross}} | ||
| | |||
|- | |- | ||
| MTNL || || | | MTNL || || | ||
| | |||
|- | |- | ||
| Vi || {{Tick}} || {{Tick}} | | Vi || {{Tick}} || {{Tick}} | ||
|Only to mobile numbers and not UPI IDs. | |||
Collect requests work | |||
|} | |} | ||
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== Bank support == | == Bank support == | ||
The NPCI [https://www.npci.org.in/ | 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. | ||
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. | ||
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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 || | | Federal Bank || x Broke in March 2026 || || x || || || || yes|| yes|| || | ||
|- | |- | ||
| Kotak Bank || {{Tick}} || || {{Tick}} || || || || yes|| yes|| || | | Kotak Bank || {{Tick}} || || {{Tick}} || || || || yes|| yes|| || | ||
|- | |- | ||
| ICICI || {{Tick}} || {{Tick}} || {{Tick}} || || || || {{Tick}} on Airtel, but {{Cross}} on | | 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}} | | India Post Payments Bank || {{Cross}} Supposedly listed, but not actually present || {{Cross}} || {{Cross}} || {{Cross}} || || {{Cross}} || {{Cross}} || {{Cross}} || {{Cross}} || {{Cross}} | ||
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It is observed to be working only in selected cities. | It is observed to be working only in selected cities. | ||
Confirmed working | === Confirmed working === | ||
* Bengaluru | |||
* Delhi | |||
* Gurugram | |||
* Kochi | |||
* Mumbai | |||
* Pune | |||
=== Confirmed not working === | |||
* Ahmedabad | |||
* Coimbatore | |||
* Kolkata | |||
* Palakkad | |||
* Surat | |||
== Limitations == | == Limitations == | ||
Dynamic QR codes generated by payment machines don't work. Only fixed QR codes / UPI | 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 == | == UPI URL format == | ||
Currently we can only copy the whole URL in most QR scanning apps, so we have to manually extract the UPI | 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 | 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 | 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 | See https://source.puri.sm/Librem5/millipixels/-/issues/98 for adding support to extract UPI ID in millipixels. | ||
== Collect Requests == | == 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 | 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]] | [[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. | '''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 | Collect requests work with RazorPay page but fails with Airtel Recharge. | ||
== Directly Opening a specific screen == | == 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! | 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. | |||
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 == | == See also == | ||
# [[Making payments using Free Software]] | # [[Making payments using Free Software]] | ||