Unified Payment Interface (UPI) FAQs

Axis Pay UPI App FAQs cover every possible doubt regarding Axis Pay UPI App. FAQs for Axis UPI Apps regarding its working, application, technicality, usage, all the ifs and buts, safety, scope etc. are answered in detail. Read the terms and conditions carefully.
What is Axis Pay?
Axis Pay is an app with which you can send/receive money using any bank’s account, instantly using just a VPA / UPI ID. It works on Unified Payments Interface (UPI) which allows users to transfer money instantly without knowing the sender’s or receiver’s bank details. The money can be transferred by simply using VPA/ UPI ID.
What is a VPA/ UPI ID?
A VPA/ UPI ID is an identifier which you create and link any of your bank accounts to make secure payments. The VPA/ UPI ID can be yourname@axisbank or mobilenumber@axisbank etc which is easy to remember.
Does the VPA/ UPI ID necessarily have to end with @axisbank?
Yes. All VPA/ UPI ID created in Axis Pay are suffixed with @axisbank
What if someone has already created a VPA/ UPI ID using my name?
The ID is unique to an individual. If the ID preferred by you has already been taken by someone else, you will have to create an alternate unique ID, which is easy to remember.
What is UPI - Unified Payment Interface?
UPI stands for Unified Payments Interface (UPI) which is platform provided by NPCI to facilitate inter-operability amongst various banks. It’s a one stop solution for multiple bank accounts , one app. It allows all account holders to send and receive money using their smartphones with a single identifier – virtual payments address( VPA)/ UPI ID – without entering any bank account information. Therefore, customers do not need to know the payee's or payer’s IFS Code ode, bank account details, etc. and this makes the process simpler.
What can be a VPA/ UPI ID?
A VPA/ UPI ID can be alphabetical, numeric or alphanumeric. It should be between 4-20 characters. It cannot contain any special characters (*,#,@ etc.) except dot(.) and hyphen(-) which are permissible. Your ID should be easy to remember such as yourname@axisbank or mobilenumber@axisbank
How will I know whether the unique ID provided by the receiver is correct?
When you add the receiver’s VPA/ UPI ID to send money, you can click on the “verify” button to get the complete name of the receiver as per his bank records.
Who can use Axis Pay?
Axis Pay can be used by both Axis Bank and other bank customers.
What can you do using Axis Pay?
The Axis Pay app allows you to Send or Ask for money using VPA/ UPI ID. You can link any bank account to the VPA/ UPI ID to send or receive money. Both Axis Bank and other Bank customers can also check their account balance on the app.
Do the features available to Axis Bank and non-Axis Bank users vary on Axis Pay?
No. The same features are available to both Axis Bank and other bank customers.
On what platforms is Axis Pay UPI app available?
Axis Pay UPI app is available on Android and iOS only.
Are there any charges to download Axis Pay?
Axis Pay is available free of charge. You can download and use this application as and when you need to without any charges levied by the Bank. Your mobile operator may levy charges for GPRS/SMS used. Please check with your operator for details.
How long does it take to download the Axis Pay application?
The actual download time depends on the speed of data connectivity offered by your mobile operator or internet provider.
Can anyone else use the app on my smartphone?
No. Axis Pay is user specific. It requires a 6 digit passcode to login to the app. For security reasons, you are requested not to share your Axis Pay Passcode with anyone.
Download the BHIM Axis Pay app from Google Play Store or Apple Store
Auto SMS is sent from your mobile phone to Axis Pay. In case your phone has a dual SIM, select the preferred phone number registered with your bank.
Set a profile name and a unique 6 digit passcode for yourself
Select your preferred bank from the list
Create a unique Virtual Payment Address (VPA)/ UPI ID for the selected account
Verify the selected account using your Debit Card credentials and OTP
Set UPI PIN for the account. Use this UPI PIN for sending money to other Virtual Addresses (VPA)/ UPI ID
If I delete/uninstall Axis Pay from my mobile phone by mistake, will I have to register again?
Yes, you will have to download the app & register your details again.
Will Axis Pay have a similar appearance on all phones?
The appearance of Axis Pay may differ slightly on different phones, however, its functions and operations will remain the same, irrespective of the mobile handset being used.
What if I change my mobile handset and want to use Axis Pay on the new device with the same number?
In case you download and register on Axis Pay using a new device, Axis Pay installed on the old device automatically gets deactivated.
How do I register to the application?
Download the Axis Pay app from Google Play Store or Apple Store
A SMS will be automatically sent from your mobile phone to Axis Pay. In case your phone has a dual SIM, select the phone number registered with your bank.
Set a profile name and a unique 6 digit passcode
Select your preferred bank from the list
Create a UPI ID for the selected account
Verify the selected account using your Debit Card credentials and OTP. This is a one-time requirement.
Set PIN for the account. Use this PIN for sending money to other VPA/ UPI ID’s
I am receiving an error message stating that ‘sorry, your request cannot be processed’ following which the application is not getting registered. What should I do in this case?
This happens in the following scenarios:
The verification SMS has not been sent from the device
Network error
The device does not have a SIM.
Please ensure that your phone has data connectivity. If the problem persists, please delete the application, download and try again
What if I get disconnected or my mobile phone switches off while performing a transaction?
You can simply reconnect to Axis Pay and verify your transaction history to check if the transaction has been executed before initiating a fresh transaction
Can I access Axis Pay when I am on national roaming?
Yes, as long as you have GPRS activated on your mobile number, subject to availability of the network, you can access Axis Pay anywhere in the country. Please keep in mind that you might be charged special roaming rates for using GPRS
I have formatted my phone, what should I do to activate Axis Pay application again?
You will have to download the application again from the Google Playstore or Apple Store and register
Can I add my other bank accounts in BHIM Axis Pay?
Yes, you can add any bank account in BHIM Axis Pay. The bank should be enabled on UPI
What is the maximum transaction limit for fund transfer in BHIM Axis Pay?
The maximum transaction limit for every fund transfer transaction in BHIM Axis Pay is Rs 1,00,000 (One lakh )
Can I send money without setting a PIN?
No, you cannot send money without setting a PIN for a particular bank account
When will my account get debited when I send the money?
The money will be debited instantly from your account
I want to initiate an Ask request. Can I set an expiry time for the same?
Yes, you can set the expiry time. You can set an expiry time from 1 day to 45 days, from the date of initiation of the transaction
Where can I see all my past transactions?
You can see your past transactions under 'Transaction Status ( older versions of the Axis Pay app) or My Transaction' available on the side menu of your app
If I have an issue on a transaction that was done using BHIM Axis Pay, whom should I contact to resolve the same?
You will find an option to raise your query for a transaction under the ‘Transaction Status(older version of the BHIM Axis Pay app) or My Transaction’ option available in the side menu.
I do not have a virtual payment address/ UPI ID of the beneficiary. Can I still use BHIM Axis Pay to send money?
Yes, you can transfer money using your account number and IFSC of the beneficiary, in case you do not have a unique ID of the beneficiary. However, sender /payer has to have a UPI ID while sending money through BHIM Axis Pay.
How many accounts can be added to receive money?
There is no limit to the number of accounts that can be added for receiving money.
Is BHIM Axis Pay safe to use?
BHIM Axis Pay allows all transactions to be at least 2 Factor Authenticated, making it completely safe and secure. Apart from this all your financial transactions have a daily transaction limit.
How quickly can I onboard and start using BHIM Axis Pay?
It’s a simple 3 step process to start using BHIM Axis Pay.
Download and Register on BHIM Axis Pay
Add any bank account and set a UPI ID
Verify your account and set a PIN
After this, you are all set to send and receive money using BHIM Axis Pay.
Does the other party also need to have an BHIM Axis Pay App?
No, the other party i.e. a receiver or sender need not be on BHIM Axis Pay. The other party can use any Bank’s UPI enabled application
What kind of payments can be made using BHIM Axis Pay?
You can use Axis Pay for sending or receiving money between people
I do not have a virtual payment address/ UPI ID of the sender. Can I still use BHIM Axis Pay to ask money?
No, you would need VPA of the sender to ask for money.
Can I receive money without setting a PIN?
Yes, you can receive money on your VPA/ UPI ID without setting PIN for the account linked to the VPA/ UPI ID
I don’t remember my PIN for the account. What do I do?
You can reset your UPI PIN using “FORGOT UPI PIN” feature in the app. The PIN changed in this app will change the PIN in all the UPI apps where this account is linked.
How can I change MPIN for my account?
You can change the MPIN for your account using “CHANGE MPIN” feature of the app. To do the same, go to menu and select “manage accounts ( old version of the Axis Pay app) or My Accounts”
What is the 6 digit passcode?
6 digit passcode is the app level password which you need to login to the app.
Is UPI PIN and passcode same?
No, UPI PIN is set for each bank account that you link in BHIM Axis Pay. You would need UPI PIN to authorize any transaction. Passcode is app level password which you set at the time of registration to login to the app. For Axis account, you would have to set 6 digit UPI PIN. It need not be same as 6 digit passcode
How safe is UPI?
All transactions on UPI are authenticated by 2 factor authentication. Debit transaction can only be initiated through your VPA/ UPI ID on your device and it requires an UPI PIN to authenticate the transaction. Regulated by NPCI. User shares his VPA/ UPI ID only instead of sensitive information like account details, IFS Code etc
How different is UPI from wallets?
There is no concept of loading in UPI. It’s direct account to account transfer using VPA/ UPI ID. No txn charges on BHIM Axis Pay. Wallets usually charge anything between 1 to 4 % for reversal of money from wallet to account. In UPI, money resides within the account itself, hence no scope of reversal as well as loading. Daily txn limit is 1 lakh which is higher than any wallet and is Inter-operable across any UPI app. A particular wallet wallet is not inter-operable with any other. Sender and receiver party have to have same wallet to transfer funds. Through UPI, sender and receiving party can choose to have any UPI app available today.
Can UPI completely replace cash or cards?
As the ecosystem of UPI progresses, it has the potential to replace cards as well as cash
Charges for using BHIM Axis Pay UPI?
Transaction on BHIM Axis Pay UPI app is free of charge
I downloaded BHIM AxisPay UPI, logged in and found a default VPA/ UPI ID linked to my Axis account. I want to change it. How to edit/delete it?
As part of Axis Bank's Initiative towards digitization, a default VPA/ UPI ID has been created for all Mobile Banking customers of Axis Bank. You can edit/delete your pre-generated VPA/ UPI by following the below mentioned process:
Process to be followed in case you are using an older version of BHIM Axis Pay UPI app.
Select “Manage accounts” in the side menu
Do a long press on the existing linked account containing pre-generated VPA/ UPI ID
Delete option would appear, click on delete
Now click on '+' sign and select Axis Bank
Account along with pre-generated VPA/ UPI ID will be automatically fetched
Click on the "VPA field" and do a backspace to delete the existing pre-generated VPA/ UPI ID and set a new VPA / UPI ID of your choice
Process to be followed in case you are using a latest version of Axis Pay UPI app.
Select “My Account” in the side menu
Delete the existing linked account containing pre-generated VPA/ UPI ID
Now click on the '+' sign and select Axis Bank
Account will be fetched with ‘Set UPI ID’ option
Click on the "Set UPI ID" and set a new UPI ID of your choice
How do I generate QR code in the BHIM Axis Pay UPI app?
You can generate your customized QR code using the "My QR code" feature in the older version of the BHIM Axis Pay UPI app or through the ‘Generate QR Code’ option available in the latest version of BHIM Axis Pay UPI app. In the latest version of the BHIM Axis Pay UPI app, you can also generate the QR code from the pre-login page.
How do I scan QR codes to send money?
You can scan any UPI QR codes using "Scan & Pay" option available on the BHIM Axis Pay UPI app. .
How can I recharge my prepaid mobile using BHIM Axis Pay UPI App?
Select Recharge option, and then select mobile recharge option. Enter mobile number, select the operator, enter amount, Select Debit Account and enter the UPI PIN. Your prepaid mobile will be recharged.
My service provider has been changed using Mobile Number portability. Can I still recharge using “BHIM Axis Pay UPI” app?
Yes, you can use this service even if the service provider has changed using number portability. Please enter your new mobile operator and other details and submit.
What is the limit for prepaid mobile recharge through “BHIM Axis Pay UPI” app?
You can do a maximum recharge of Rs. 2000 through the app for a mobile number. Three successful recharges can be processed for the same Mobile Number per day. The overall recharge limit (Prepaid Mobile, DTH recharge) per account would be Rs. 5000 per day.
Is there a limit to DTH recharge through “BHIM Axis Pay UPI” app?
Maximum recharge amount is Rs 3000 per subscriber ID. Please check with the service provider for various recharge options available for DTH. Total three transactions can be processed for the same DTH number per day. The overall SMS recharge limit (Prepaid Mobile, DTH) per account would be Rs. 5000 per day.
Will I be charged for prepaid mobile recharge or DTH recharge using “BHIM Axis Pay UPI” app?
This facility is free of cost by Axis Bank. Charges may be applied by the mobile/DTH operator.
How is this service different from the recharge service available on Axis Mobile Application or Axis Bank Internet Banking?
For Recharge you can use any bank account enabled on UPI that is linked to your BHIM Axis Pay UPI app.
What would happen if I enter an invalid/ postpaid/ DTH number while doing the recharge through “BHIM Axis Pay UPI” app?
While doing Recharge, account is debited immediately. If you have entered an invalid number/ postpaid number, the amount will be credited back to your account within 4 working days.
What if I recharge a wrong mobile number or DTH connection?
You have to be careful while entering the mobile number / DTH subscriber ID for recharge. In case a wrong mobile number/ DTH subscriber ID has been recharged by mistake, the amount will not be reversed to your account.
My account has been debited however my prepaid mobile number / DTH was not recharged?
This could be due to various reasons like
• Recharge denomination not available
• Postpaid mobile number ( in case of mobile recharge)
• Operator system not available

In case your recharge is unsuccessful, the amount will be credited back to your account within 4 working days. Please check your account statement before reinitiating the transaction to ensure duplicate request is not processed.
There has been a fraudulent activity in my account using UPI. What should I do ?
In case there is a fraud in your account using UPI , you need to immediately report to your bank. For more details please click here.
Click here for UPI terms & conditions.
Click here for Axis Pay terms & conditions.
Click here for terms & conditions of 50% cashback on movie booking on PVR Cinemas website via BHIM Axis Pay UPI App.
Click here for terms & conditions of Transaction Build-Up Cashback Campaign Offer on BHIM Axis Pay UPI App
Click here for terms & conditions of 20% cashback on your First Recharge via BHIM Axis Pay UPI App.
Click here for terms and conditions of UPI Rs. 50 Cash Back - offer on first transaction for Axis Pay & Axis Mobile Apps.
Click here for terms & conditions of Samsung Pay Mini App UPI Cashback Offer.

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