Interested in financial products
CreditMantri
Processing

Introduction

Unified Payments Interface (UPI) is a portal established by the National Payments Corporation of India (NPCI) to promote interoperability between different banks. This is a one-stop option for using various bank accounts and to carry out transactions from a single app.

It helps account holders to send and receive money through their smartphones with a single identifier – the Virtual Payment Address (VPA) widely known as the UPI ID – without requiring any bank account information. Customers also do not need to know the IFSC code of the beneficiary or payer, bank account data, etc., and this allows the procedure to be faster. So consumers can make quick transfers to their friends and merchants.

Bhim Axis Pay UPI app from Axis Bank is a UPI feature that enables you to transfer and receive money from any bank account using your smartphone. It also allows you to enable quicker prepaid mobile and DTH recharges using the Bhim Axis Pay UPI App.

  • It is available on both Google Play Store and Apple App Store for download. 
  • It can be linked with any bank account; it is not necessary for you to hold an account with Axis Bank.
  • Completely powered by UPI and hence does not require you to enter bank account details or IFSC code of the beneficiary.
  • Send and receive money 24x7, 365 days
  • Peer to Peer & Peer to Merchant payments through various platforms including: 
    • BHIM Axis Pay
    • Axis Mobile
    • Freecharge
  • Collaborates with other third party TPAPs (Third Party App Providers) to offer UPI services on their platforms too:
    • Amazon Pay
    • Bajaj Finserv Direct Ltd 
    • CRED
    • Google Pay
    • Samsung Pay

Axis Bank customers can avail Instant New Credit Card through the BHIM Axis Pay UPI App. Existing customers of Axis Bank can avail 24x7 Personal Loan through the BHIM Axis Pay UPI App. If you don’t have an Axis Bank account, you can apply for one through the BHIM Axis Pay UPI App.

How do I use the BHIM Axis Pay UPI App?

  • You can install the Axis Pay UPI app from the Google Play Store or from the Apple Store.
  • Launch the app and enter your mobile number. 
  • It will immediately send an SMS from your cell phone to Axis Pay. If your handset has a dual SIM, pick your bank's registered phone number.
  • Set the profile name and the unique 6-digit passcode
  • It will then display the bank accounts linked to that mobile number. 
  • Choose your bank and bank account that you want linked with this UPI. 
  • You will be asked to choose a Virtual Payment Address (VPA)/UPI ID (e.g. name@axisbank).
  • Once all this process is completed, your UPI ID will be linked to your bank account.
  • You can use your Axis Pay app to start sending and receiving payments, make purchases and bill payments.

How to send money using BHIM Axis Pay UPI App?

  • Login to your BHIM Axis Pay UPI App
  • Select the UPI ID of your account & the receiver’s
  • Enter the amount to be sent
  • You will be required to enter the UPI Pin
  • And the money transfer is done

How to receive money using BHIM Axis Pay UPI App?

  • Login to your BHIM Axis Pay UPI App
  • Select the UPI ID of your account & the sender’s
  • Enter the amount you wish to receive
  • Once the sender approves the transaction on their app, the money will be credited to your account.

BHIM Axis Pay UPI App – UPI Mandates

Payer Initiated Mandates – You can set automatic transfers on a particular date, in regular intervals, from your Axis Pay UPI account. Once the mandate is created, the amount will be blocked on your account for the mandate amount.

  • Login to your BHIM Axis Pay UPI App
  • Select the ‘UPI Mandate’ option from the side menu
  • Click on the ‘Create New’ option
  • You will be required to enter the Payee’s UPI ID, start date, end Date and the amount you want to transfer every time.
  • You can choose to notify them by selecting the ‘Notify Recipient’ option. In case you select the ‘notify recipient’ option the payee will get a notification that the mandate has been created.
  • Once the payee is notified about the mandate, they are required to log into the UPI app and check the details of the mandate.
  • The payee can either ‘Reject ‘or ‘Execute’ the mandate
  • If they choose to execute it, the payee clicks on the ‘Execute’ option, and the amount will be debited from the payer’s account and credited into the payee’s account

Payee Initiated Mandates

In some instances, the seller or merchant might want to block the bill amount before the customer actually avails the goods or services (Eg; Hotel Bookings). In such cases, the payee can initiate a mandate on the payer’s account.

Steps to accept a Payee Initiated Mandate on BHIM Axis Pay (currently works on Android Version only)

  • The Payee can submit a request to the payer's UPI ID with information such as transfer amount, reason, transfer expected date, etc.
  • The Payer will be notified via an SMS about the request.
  • The payer will then log in to Axis Pay to approve the transaction.
  • Tap on the 'Mandate' option on the side menu.
  • Go to the 'Request Received' option.
  • The payer must approve the mandate by entering the UPI PIN
  • Once authorised, the payee shall implement the mandate on the date stated in the Mandate.

Other Features and Services available through Axis Pay

Online Prepaid Mobile Recharge: BHIM Axis Pay offers an online mobile recharge service to all leading network providers across the nation. For prepaid smartphone recharges, you can go through different categories such as Top-ups, Talk-Time Packages, Data Packs-2G, 3G and 4G, STD, ISD and many more mobile recharge plans.

DTH Online Recharges: BHIM Axis Pay online recharge service allows you to make recharges to all big DTH operators with a single click through your smartphone. Just use the app to recharge your DTH connection today with exciting offers and discounts.

Instant Credit Card: Selected Axis bank customers are offered an instant credit card via BHIM Axis Pay. It's an efficient process to get an instant virtual credit card with a variety of shopping and entertainment incentives. Visit your Axis Bank homepage for more information.

Hindi BHIM UPI App: The BHIM Axis Pay UPI App is now available in Hindi! You can now enjoy the same seamless experience for your online recharge, easy money transfer, and all other features with the Hindi edition.

UPI for Merchant Payments

BHIM Axis Pay UPI App is merchant payment friendly and allows you to make payments to merchants where UPI is available. You can pay merchants, through UPI, on their e-commerce sites as well as retail outlets. Here is how to use Axis Pay UPI to make merchant payments;

How can I make payments on the Merchant Apps? (For example; Swiggy)

  • On the merchant's payment page, pick the payment option as "Pay via UPI"
  • Enter your default UPI ID (linked to your debit account)
  • You will get a notification via SMS / Notification for your Axis Pay App
  • Check the transaction details on your UPI application and verify the transaction using your UPI PIN linked to your account.
  • The amount is debited from your bank account and credited to the merchant’s account.

How to make payments on Merchant websites using Axis Pay UPI? (For example: Flipkart)

  • On the merchant's payment page, pick the payment option as "Pay via UPI"
  • Enter your default UPI ID (linked to your debit account)
  • You will get a notification via SMS / Notification for your Axis Pay App
  • Check the transaction details on your UPI application and verify the transaction using your UPI PIN linked to your account.
  • The amount is debited from your bank account and credited to the merchant’s account.

How to pay at offline stores using Axis Pay UPI? (For example: Reliance Digital)

There are two options to pay at retail outlets using Axis Pay UPI

Through the QR Code option

  • Open your Axis Pay UPI App
  • Scan the UPI QR code placed by the store's POS machine.
  • Enter the bill amount and your UPI PIN in your UPI app.
  • The sum would be debited and added to the merchant's account instantly.

Using your UPI ID

  • Once the bill is generated, share your UPI ID with the billing person. 
  • The billing person will initiate the request (transaction request) from his or her UPI app.
  • You will get a message through Axis Pay UPI App, to validate the transaction on your smartphone.
  • Confirm the transaction by entering the UPI PIN in your BHIM / UPI App.
  • The sum would be debited and added to the merchant's account instantly.

Here are some popular merchants at which Axis Pay UPI can be used for payment:

  • Amazon
  • Uber
  • Google
  • Samsung
  • Freecharge
  • BigBasket
  • Swiggy
  • Book My Show

FAQs

1. What is a VPA/ UPI ID? Does it necessarily have to end with @axisbank?

A VPA / UPI ID is a unique identifier that you generate and connect to all of your bank accounts in order to make secure payments from Axis Pay UPI App. The VPA / UPI ID can be your name@axisbank or your mobile number@axisbank, which is easy to remember and recall. Yes, all VPA / UPI IDs generated in Axis Pay have to end with @axisbank.

2. How can I verify if the unique ID provided by the receiver is correct?

You can verify before doing a transaction. When you add the receiver's VPA / UPI ID to transfer money, you can press the "Verify" button to get the full name of the receiver as per their bank records.

3. Who all can download and use the Axis Pay App?

Axis Pay App is available for both Axis Bank and non-Axis Bank customers.

4. What are some basic features of the Axis Pay UPI App?

The Axis Pay UPI app allows you to transfer or request money using a VPA / UPI ID. You can link any and all your bank accounts to the VPA / UPI ID to allow secure and easy transfer or receipt of money. Axis Bank and non-Axis Bank customers can also check their bank account balance through the app.

5. What will happen if I get disconnected or my mobile phone switches off while performing a transaction?

No need to worry. You can just re-login to the app and check your transaction history to make sure that the transaction has been executed. If not, you can initiate a fresh transaction.

4. Will Axis Pay service work when I am on national roaming?

Yes, Axis Pay works anywhere in the country. You just have to have GPRS activated on your mobile number. Based on your internet connectivity, the app will work anywhere for you to use all its services.

×Thank you! Your comment will be reviewed and posted shortly.

CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf. We do not sell any loans on our own and do not charge any fee from our customers/viewers for the purpose of loan application