Unified Payments Interface (UPI) is a system that powers multiple bank accounts into a single mobile application (of any participating bank), merging several banking features, seamless fund routing & merchant payments into one hood. It also caters to the “Peer to Peer” collect request which can be scheduled and paid as per requirement and convenience.
- NPCI owns and operates the Unified Payments Interface (UPI) platform.
- NPCI prescribes rules, regulations, guidelines, and the respective roles, responsibilities and liabilities of the participants, with respect to UPI. This also includes transaction processing and settlement, dispute management and clearing cut-offs for settlement.
- NPCI approves the participation of Issuer Banks, PSP Banks, Third Party Application Providers (TPAP) and Prepaid Payment Instrument issuers (PPIs) in UPI
BHIM is the UPI App directly operated by NPCI with the handle @upi.
List of 3rd Party UPI Apps in India
| S. No. | Third Party App Name | Go Live (MM-YYYY) |
Payment Service Provider (PSP) Banks | Handle Name |
| 1 | Amazon Pay | Jan-19 | Axis Bank | @apl |
| Yes Bank | @yapl | |||
| RBL Bank | @rapl | |||
| 2 | Bajaj Finserv | Mar-21 | Axis Bank | @abfspay |
| 3 | Finserv Markets | Apr-19 | Axis Bank | @abfspay |
| 4 | CRED | Apr-19 | Axis Bank | @axisb |
| Yes Bank | @yescred | |||
| 5 | Flipkart UPI | Mar-24 | Axis Bank | @fkaxis |
| 6 | Goibibo | Feb-21 | ICICI bank | @icici |
| 7 | Google Pay | Jun-17 | Axis Bank | @okaxis |
| HDFC Bank | @okhdfcbank | |||
| ICICI | @okicici | |||
| State Bank of India | @oksbi | |||
| 8 | Groww | Mar-23 | Yes Bank | @yesg |
| 9 | Jupiter Money | Jun-21 | Axis Bank Limited | @jupiteraxis |
| 10 | Kiwi | May-23 | Axis Bank Limited | @goaxb |
| 11 | Make My Trip | Dec-18 | ICICI | @icici |
| 12 | MobiKwik | May-18 | HDFC Bank | @ikwik |
| 13 | Navi | Aug-23 | Axis Bank | @naviaxis |
| 14 | Niyo Global | Sep-23 | ICICI Bank | @niyoicici |
| 15 | Phonepe | Aug-16 | Yes Bank | @ybl |
| ICICI Bank | @ibl | |||
| Axis Bank | @axl | |||
| 16 | Samsung Pay | Feb-18 | Axis Bank | @pingpay |
| 17 | Shriram One | Sep-23 | HDFC Bank | @shriramhdfcbank |
| 18 | slice | Aug-22 | Axis Bank | @sliceaxis |
| 19 | TataNeu | Apr-22 | ICICI Bank | @tapicici |
| 20 | Timepay | Aug-21 | The Cosmos Co-Operative Bank Ltd. | @timecosmos |
| 21 | Ultracash | Mar-17 | IDFC Bank | @idfcbank |
| 22 | Nov-20 | ICICI Bank | @waicici, @icici | |
| Axis Bank | @waaxis | |||
| HDFC Bank | @wahdfcbank | |||
| State Bank of India | @wasbi | |||
| 23 | Aditya Birla Capital Digital | Apr-24 | ICICI Bank | @abcdicici |
| 24 | Paytm | Apr-24 | Yes Bank | @paytm |
| @ptyes | ||||
| Axis Bank | @ptaxis | |||
| HDFC Bank | @pthdfc | |||
| SBI | @ptsbi | |||
| 25 | FamApp by Trio | May-24 | Yes Bank | @yesfam |
| 26 | POPclub | Jun-24 | Yes Bank | @yespop |
| 27 | Freo | Aug-24 | ICICI Bank | @freoicici |
| 28 | super.money | Jun-24 | Yes Bank | @superyes |
| 29 | salaryse | Jul-24 | Yes Bank | @seyes |
| 30 | BharatPe | Aug-24 | Unity Small Finance Bank | @bpunity |
| 31 | Kredit.Pe | Sep-24 | HDFC Bank | @kphdfc |
| 32 | One Card | Sep-24 | Yes Bank | @oneyes |
| 33 | OkCredit | Sep-24 | Axis Bank | @axb |
| 34 | Genwise | Oct-24 | Axis Bank | @gwaxis |
| 35 | Twid Pay | Sep-24 | Yes Bank | @yestp |
WhatsApp has maximum registered user base of 100 million in UPI.
List of UPI Apps useful for public issues (Registered with SEBI as on 07 Aug 2024)
| S.No. | App Name | Handle |
| 1 | BHIM Baroda Pay (only Android) | @BARODAMPAY |
| 2 | BHIM RBL Pay (Android & iOS) | @rbl |
| 3 | BHIM PayWiz ( Android ) | @idbi |
| 4 | BHIM (android & iOS) | @upi |
| 5 | BHIM AUPay (Android & iOS) | @aubank |
| 6 | BHIM Axis Pay (only android) | @axisbank |
| 7 | BHIM BANDHAN UPI (Android & iOS) | @bandhan |
| 8 | BHIM DLB UPI (Android & iOS) | @dlb |
| 9 | BHIM IndusPay (only Android) | @indus |
| 10 | BHIM KBL UPI (Android) | @kbl |
| 11 | BHIM Lotza UPI (only Android) | @federal |
| 12 | BHIM SBIPay (only android) | @sbi |
| 13 | BHIM UCO UPI (Android and iOS both) | @uco |
| 14 | Citi Mobile (android & iOS) | @citi & @citigold |
| 15 | DhanSmart (Android & iOS) | @dlb |
| 16 | DigiBank - DBS (Android & iOS) | @dbs |
| 17 | Freecharge (Android & iOS) | @freecharge |
| 18 | Google Pay (android & iOS) | @okhdfcbank, @okaxis , @oksbi, @okicici |
| 19 | Groww Pay (Android & iOS) | @yesg |
| 20 | HSBC Simply Pay (android & iOS) | @hsbc |
| 21 | IDBI Bank GO Mobile+ ( Android & iOS) | @idbi |
| 22 | iMobile by ICICI Bank (android users) | @icici |
| 23 | IndOASIS (Android and iOS both) | @indianbank, @allbank |
| 24 | Kotak Mobile Banking App (Android) | @kotak |
| 25 | MobiK wik ( Android & iOS) | @ikwik |
| 26 | Nxt – Union Bank of India ( iOS and Android ) | @unionbankofindia, @uboi and @unionbank |
| 27 | Paytm (Android & IOS) | @ptsbi |
| 28 | Paytm (Android & IOS) | @ptaxis |
| 29 | Paytm (Android & IOS) | @ptyes |
| 30 | Paytm (Android & IOS) | @pthdfc |
| 31 | Phone-Pe (Android & iOS) | @ybl, @axl, @ibl |
| 32 | SIB Mirror+ (only Android) | @sib |
| 33 | YES Pay Next (android & iOS) | @yespay |
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