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Unified Payments Interface – How To Pay Using UPI Apps

Unified Payments Interface or UPI is a way to pay using UPI apps. Here is all you need to know about how to pay using UPI apps using your smarphone.

If you are confused about what unified payments interface is, here I will end it forever. Unified payments interface also called UPI is system of payments. Using unified payments interface, people can transact using their smartphones.

To pay using this system called unified payments interface, you need 2 important things.

  1. Smartphone
  2. Bank Account


Both of these are very important to pay using UPI. Now I will tell you step by step how you can pay using unified payments interface (UPI). Also I will give you a list of banks that support unified payments interface system of transactions.

Thanks to demonitization that people are rapidly adopting new and advanced methods of payments. To carry day-to-day life, financial transactions are a must. And to fulfil that need UPI apps comes to our rescue.


UPI apps…

We need UPI apps in our smartphones to carry out transactions using unified payments interface. These apps are freely available in app stores.

Here Is How To Pay Using UPI Apps

  • Download the UPI app.
  • Register using your bank account number or your phone number.
  • Set a VPA for yourself. VPA (Virtual Private Address) is a unique address which identifies a UPI user.
  • Generate a 4-6 digit mpin which will be used to validate all the transactions.
  • Once set up, you can send or receive payments using mobile number, VPA or using bank account number. Using phone number or VPA are very convinient as compared to Bank account where you need to enter bank details like IFSC etc.

ALSO READ : How To Pay Using Aadhar Card – Make Aadhaar Enabled Payments

Here is a list of all the Unified payments interface (UPI) apps currently available for smartphones.

1. SBI Pay: Android

2. HDFC Bank MobileBanking: Android, iOS

3. ICICI Pockets: Android, iOS

4. Axis Pay UPI App: Android

5. Union Bank UPI App: Android

6. PNB UPI: Android

7. PhonePe: Android

8. Canara Bank UPI – eMpower: Android

9. United UPI: Android

10. Andhra Bank ONE – UPI App: Android

11. UCO UPI: Android

12. Bank of Maharashtra – Maha UPI: Android

13. Vijaya UPI: Android

14. South Indian Bank – SIB M-Pay (UPI Pay): Android

15. KBL SMARTz (UPI): Android

16. OBC UPI PSP: Android

17. UPI Bank Transfer with Friends: Android

18. DCB Bank UPI App: Android

19. Lotza – UPI: Android

20. TranZapp – UPI: Android

21. CSB UPI: Android

If you still have any questions about making payments using UPI apps, ask them in comments below. I will get back to you as soon as possible. 

Faiez Ajaz

Tech lover, Story Teller, Writer and a Business Student. You can follow him on Facebook and Instagram.

20 thoughts on “Unified Payments Interface – How To Pay Using UPI Apps

  1. What is the difference between internet banking and SBI Pay for transfer of money. Whether SBI Pay UPI can be used to make payment for merchant transactions. Whether it takes money directly from connected bank account or is there is any need to transfer money to Wallet.

    1. SBI pay is a upi based application which can be used to transfer money to any other UPI user or to someones bank account. You don’t need to add cash to your wallet as money can be sent directly from bank account.

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