UPI (Unified Payments Interface) :-
UPI (Unified Payments Interface) एक Instant Payment System है, जिसे National Payments Corporation of India (NPCI) द्वारा developed किया गया है। यह एक ऐसा system है जो एक ही Mobile Application के माध्यम से एक या कई Bank Accounts को access/manage करने की सुविधा देता है। इसके साथ कई Banking Services भी उपलब्ध होती हैं, जैसे Balance Enquiry, Fund Transfer, Transaction History आदि।
Unified Payments Interface (UPI) को NPCI द्वारा 11 April 2016 को Mumbai में RBI Governor Dr. Raghuram G. Rajan द्वारा launch किया गया था।
UPI के माध्यम से payment या fund transfer करने के लिए सामान्यतः UPI PIN का उपयोग किया जाता है। हर UPI transaction के लिए OTP की आवश्यकता अनिवार्य नहीं होती। कुछ situations में bank या service provider द्वारा additional verification मांगी जा सकती है।
Requirements for UPI
UPI का उपयोग करने के लिए सामान्यतः निम्नलिखित चीजों की आवश्यकता होती है:-
Bank Account
Debit Card — कई UPI apps में UPI PIN set/reset करने के लिए आवश्यक हो सकता है।
Smartphone with Internet Connection
Mobile Number linked with Bank Account
UPI Application जैसे BHIM, Google Pay, PhonePe आदि।
How to Register for UPI
UPI पर register करने के सामान्य steps निम्नलिखित हैं:-
Download a UPI Application जैसे BHIM, Google Pay, PhonePe आदि।
App को open करके अपने Bank Account Details के साथ registration करें।
अपने bank account को UPI application से link करें।
आवश्यक verification पूरा करके UPI PIN set करें।
UPI registration पूरा होने के बाद Balance Enquiry, Fund Transfer, Bill Payment आदि supported UPI services का उपयोग किया जा सकता है।
UPI में user को एक Virtual Payment Address (VPA)/UPI ID भी मिल सकती है, जिसका उपयोग payment receive और send करने के लिए किया जाता है।
English:-
UPI (Unified Payments Interface) is an Instant Payment System developed by the National Payments Corporation of India (NPCI). It allows users to access/manage one or multiple Bank Accounts through a single Mobile Application. It also provides various Banking Services, such as Balance Enquiry, Fund Transfer, Transaction History, etc.
Unified Payments Interface (UPI) was launched by NPCI on 11 April 2016 in Mumbai by RBI Governor Dr. Raghuram G. Rajan.
For making payments or transferring funds through UPI, a UPI PIN is generally used. OTP is not mandatory for every UPI transaction. In some situations, a bank or service provider may require additional verification.
Requirements for UPI
The following are generally required to use UPI:-
Bank Account
Debit Card — it may be required by some UPI apps for setting or resetting the UPI PIN.
Smartphone with Internet Connection
Mobile Number linked with the Bank Account
UPI Application such as BHIM, Google Pay, PhonePe, etc.
How to Register for UPI
The general steps for registering for UPI are:-
Download a UPI Application such as BHIM, Google Pay, PhonePe, etc.
Open the application and register using the required Bank Account Details.
Link the Bank Account with the UPI application.
Complete the required verification and Set the UPI PIN.
After completing registration, supported UPI services such as Balance Enquiry, Fund Transfer, Bill Payment, etc. can be used.
A user may also have a Virtual Payment Address (VPA)/UPI ID, which can be used to send and receive payments.