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UPI Customer Care Number

UPI is a dedicated platform which facilitates the transfer of funds without disclosing the account number and IFSC code. All transfers are made with the users’ mobile number and a Virtual Payment Address (also known as UPI ID).

UPI secures an individual from the major drawbacks of online transactions by eliminating the need to provide the account numbers, IFSC codes or addresses which are a major reason for online identity theft and misuse of critical information. It is a highly secure, efficient and seamless way of performing monetary transactions using a UPI PIN.

To ensure the safety and security of transactions through the Unified Payments Interface, developed by the National Payments Corporation of India (NPCI) , it is regulated by the Reserve Bank of India (RBI).

Unified Payments Interface or UPI is a highly convenient, super secure, safe, and reliable way of digital payments. UPI has emerged as the most favored and prevalent mode of sending and receiving money between two parties' bank accounts. It has gained widespread acceptance and popularity since the demonetization of banknotes in 2016.

To initiate a transfer of funds from one account to another using traditional ways, you will require several details including the bank account number, branch address, name of the bank and also the IFSC of the beneficiary. Providing these details each time a transfer is required to be initiated can be quite a cumbersome process. Through UPI, such transactions can be easily streamlined without the need of providing such details. A transaction can be initiated easily using the Virtual Payment Address.

In India, a wide variety of UPI enabled apps allow you to send and receive money instantly. Apps including Google Pay, PhonePe, PayTM etc are some of the most popular UPI-enabled apps. Also, BHIM, which is the official app developed by the National Payments Corporation, is also really popular.

UPI is the single largest retail payment system in the country in terms of volume of transactions with 14 crore transactions being processed per day in October 2021. One of the major objectives of UPI was to replace cash for low-value transactions, which seems to have been achieved as more than 50% of transactions were below INR 200.

Benefits of using UPI

  • It facilitates users to transfer funds on a real-time basis without any delay or inconvenience.
  • Funds can be transferred instantly on a 24*7 basis, which eliminates any need to wait for confirmation relating to transfer e.g. NEFT.
  • Transactions can be completed simply with the help of a Virtual Payment Address which excludes the need for banking details.
  • It is a highly effective way to promote non-cash transactions and can be installed on any smartphone.
  • As a UPI PIN is unique for every bank account, it ensures that it is used only by the intended person.
  • It eliminates the risk of losing a bank card or misuse of critical banking information.
  • Funds can be transferred at any given point of time.
  • It is the cheapest way to transfer money when compared to other modes of transfer.

These utilize a significant level of resources and capacity which often lead to transaction failures. So, RBI has proposed a simpler process by enabling on-device wallets in UPI apps to conserve resources without affecting the customer experience.

Also for people who are not familiar with the fundamentals of UPI payments and still wish to seek help for better learning, the system has set up a 24*7 UPI customer care which assists the users in different situations.

UPI Customer care

Bharat Interface for Money (BHIM) is an official mobile payment application launched by the National Payments Corporation of India Ltd. which has a ‘Get in Touch’ facility for customers with a special customer complaint/ query/ feedback

BHIM UPI Customer Care Number

A toll number has been launched by the Government to address queries and issues relating to digital payments.

The toll-free number is as follows: 1800-1201-740, 022-45414740.

What is BHIM's Get in Touch service?

‘Get in Touch’ facility is a special facility launched to address customer complaints/queries/ feedback. Areas of complaint covered under this facility are:

1. Transactions.

2. BHIM Cashback

3. PIN

4. Account

5. Registration

6. SMS

7. Login and Others.

How to register a complaint?

If you have a complaint regarding any of the above services, you are required to follow the steps below:

1. Visit the BHIM ‘Get in Touch’ page

2. Select the type of service being Complaint, Query or Feedback.

3. If you want to register a complaint, click on the type of complaint.

4. Fill in the details for the type of complaint carefully.

5. After filling the fields, enter the captcha and click on ‘Submit’

After processing, redressal shall be forwarded to your email -id.

Some people also prefer using Banking apps to perform UPI transactions. In that case, banks facilitate a separate UPI Customer Support team to resolve all UPI related queries and issues.

How is UPI better than other payment systems?

24*7 availability: UPI enables its users to process immediate money transfers through any mobile device round the clock.

Ease of use: UPI works as a single mobile application for accessing different bank accounts. Also, fund transfer takes place by 2-factor authentication with a single click, which makes the process seamless and convenient.

Security with VPA: A Virtual Payment Address (VPA) offers enhanced security as it does not require any bank details like account number or IFSC code.

Utility payments made easy: UPI enables easy utility payments by facilitating easy over the counter and QR code payments.

Zero transaction charges: The major advantage of UPI payments is that it is completely free of cost for any service. While fund transfers via NEFT are valued at a minimum of Rs 2.5 per transaction and IMPS at Rs 5 per transaction.

Higher limits compared to mobile wallets: Mobile wallets offer a limit of Rs 20,000 for transactions, after completion of KYC with the companies managing such wallets, while UPI offers a significantly higher limit of Rs 1 Lakh per transaction.

UPI Help has also been launched on the BHIM UPI app, which allows users to check the status of pending transactions and raise complaints for non-processed transactions or for cases where money is not credited to the beneficiary.

UPI help shall also proactively update the final status of pending transactions if the user takes no further action relating to it.

Which banks have rolled out the UPI Help feature for users?

To start with, the feature has gone live on the BHIM app for the customers of State Bank of India (SBI), Axis Bank, HDFC Bank and ICICI Bank.

How to register a transaction related grievance on the BHIM app?

In the BHIM app, under the option of ‘Raise a complaint, you can find your transaction history. You are required to select the transaction against which you wish to register a complaint. After which, two options shall be visible on the screen namely.

1. Raise Concern

2. Call Bank

If you wish to raise any issue in any transaction select the raise concern option and provide details in the online complaint form and submit the same.

If you wish to connect to a customer care representative, you may select the second option, which will connect you to the customer care of BHIM on the toll-free number 1800-120-1740.

FAQs

1. Is UPI 24*7?

Yes, UPI is a platform that allows you to transact anywhere and anytime from the platform.

2. How do I contact UPI in India?

The customer care number of BHIM is 18001201740 or the helpline number is 022-45414740.

3. Is a refund available from UPI?

Yes, if any transaction fails from the UPI interface the transaction is refunded within a period of 3-5 days.

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