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When it comes to digital banking and adopting latest technological features into their banking system, HDFC Bank has always been a trailblazer. The bank is reputed for providing their customers with convenient digital apparatus that makes their banking experience more delightful. Continuing with those efforts, HDFC Bank forayed into the UPI stratum in the year 2017.
HDFC Bank UPI was initially launched in collaboration with the Chillr app. Later on, they integrated it with their HDFC Mobile Banking app and their e-wallet app Payzapp.
HDFC Bank UPI allows customers to carry out various fund transfers and bill payment related transactions with ease. The app strives to provide a seamless money transaction service to its users. The service has been lauded by many users as hassle free and user-friendly.
About HDFC Bank UPI
UPI stands for Unified Payment Interface (UPI). It enables money to be immediately transferred via a mobile phone from one bank account to another. Payments can only be rendered via supporting mobile phone apps. The cash transactions through UPI are available 24x7.
Unified Payments Interface (UPI) is a portal developed by the National Payments Corporation of India (NPCI) to facilitate interoperability between banks. This is a one-stop solution for using separate bank accounts to carry out transfers from a single app. It allows all account holders to send and receive money through their smartphones with a single identifier – the Virtual Payment Address (VPA) commonly known as the UPI ID – without needing any bank account information. Customers often do not need to know the IFSC code of the beneficiary or payer, bank account details, etc., and this allows the transaction to be quicker. So customers will make quicker transactions to their friends and merchants.
HDFC Bank UPI can be accessed via their HDFC Mobile Banking app and their HDFC Payzapp app. For the purpose of using UPI, you need to have a savings bank account that supports UPI. Most banks are now permitting UPI transfers. You must then download the UPI support app for your mobile phone. Some other popular apps that provide UPI payment are BHIM created by NPCI, and certain private companies such as Paytm, PhonePe, Google Pay, Amazon Pay, etc. Make sure you have your mobile number listed for authentication on your bank account.
As mentioned earlier, HDFC Bank UPI can be set up by both HDFC Bank and non HDFC Bank customers. The process is a bit different for both the users. The step by step instructions for each type of user is given below:
How to setup HDFC Bank UPI for HDFC Bank Customers?
How to setup HDFC Bank UPI for non-HDFC Bank customers?
HDFC Bank customers can transfer funds or pay bills in a few simple steps:
Fund transfer or bill payments through HDFC Bank UPI for non-HDFC Bank customers
Non-HDFC Bank customers will still make fund transfers and payments through the HDFC Mobile Banking App, however, they need not login to the app to carry out these transactions.
How to request money through the HDFC Bank UPI facility?
Yes, there are a few limits set on the transactions that can be carried out using HDFC Bank UPI
Fund Transfers: A daily limit of Rs.1 lakh or 10 transactions, calculated on a 24 hour basis is set
Bill Payments or Merchant Payments: There is no limit on these types of transactions
New UPI Users: Rs.5000 for the first 24 hours and after that, the limit shall be increased to Rs.1 lakh
In case of new mobile device, change of device or SIM card change: Rs.5000 for the first 24 hours and after that, the limit shall be increased to Rs.1 lakh
PayZapp is a recharge offer app from HDFC Bank. This app can be used by HDFC Bank customers, but they are allowed to link any bank’s debit or credit card on this wallet. The app is very beneficial for users who make a lot of bill payments and recharge transactions.
How to get started with HDFC Bank PayZapp?
How to make payment with PayZapp?
You can scan any of the Bharat Pay QR codes at merchant establishments to make payments
Paying or sending money using the Payzapp App
You can transfer funds from one Payzapp account to another Payzapp account. You can also transfer funds from one Payzapp account to any bank account. Get cash free, instant fund transfer facility with the app
Online Bill Payments with Payzapp
Payzapp allows users to make online bill payments using any bank debit or credit card, or NetBanking accounts. You can also use the Payzapp wallet to pay directly from the card linked to your account.
1. What is UPI?
Unified Payment Interface (UPI) is a fund transfer facilitated by the smartphone to pay/receive money through participating banks using a specific UPI ID
2. What is the current limit for sending money through UPI?
Fund Transfers: A daily limit of Rs.1 lakh or 10 transactions, calculated on a 24 hour basis is set.
3. How can I set a default bank account to pay or receive money via UPI?
Follow this path to set your default bank account: ‘BHIM HDFC Bank’ >> Click on ‘Add Account’ >> Select Bank account Please note that the customer's last added account is the payment/receiving default account.
4. Where can I see my UPI transactions history?
In the 'Transaction History' tab under 'UPI Payments', you can see your past transactions. Your NetBanking & Bank Statement would also show this.
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