Make your first UPI payment


Watch this simple video to help you get started with UPI payments on PhonePe. 

It's simple, right? Now, you're all set to instantly send and receive money through UPI. 
In case you need a recap, just read through the steps below. 

Step 1 - Add a bank account

To make a UPI payment on PhonePe, you must first add your bank account. 

While adding your bank account on PhonePe ensure that: 

  • The mobile number you’ve used to register on PhonePe is the same as the mobile number linked to your bank account. 
  • You’ve activated mobile banking services for the bank account you’re trying to add. To activate mobile banking, you can call your bank's customer service.
  • The mobile number has enough balance to send a verification SMS. You can check this by sending an SMS to any of your contacts to see if it successfully reaches them.
  • You have a strong internet connection and mobile network. 

Once you’ve checked the above,

  1. Tap your profile picture on the PhonePe app Home screen.
  2. Tap Add New Bank Account under the Payment Methods section and select your bank from the list. You can also search for your bank and select it. 
  3. For verification purposes, an SMS will be sent from your registered mobile number. Ensure you allow SMS permissions, when requested.

Note: Your bank account will be automatically fetched by the UPI platform. 

Step 2 - Set your UPI PIN

Once your bank account is fetched, you must set your secret UPI PIN. 

Note: If you already have a UPI PIN for this account, just tap Link.

To set your UPI PIN, 

  1. Tap your profile picture on the PhonePe app home screen..
  2. Select the bank account under the Payment Methods section by scrolling to your right. You can also tap View all Payment Methods to view the bank accounts you’ve linked on PhonePe.
  3. Tap Set UPI PIN for the account you have just added. 
  4. Enter your Debit/ATM card details for that account. 
  5. Enter the 6-digit OTP that you receive through SMS on your registered mobile number. 
    Note: If you have enabled SMS permissions, PhonePe will auto-fetch the OTP.  Else, you will have to manually enter the OTP. 
  6. Enter the 4-digit ATM PIN for your Debit/ATM card
    .
  7. Enter the new 4 or 6 digit UPI PIN that you wish to set for the account. 
  8. Confirm the PIN by entering it again. 
  9. Tap Confirm.
Step 3 - Make a payment or send money to your friends and family

Once you have added your bank account and set your secret UPI PIN, you are all set to make your first UPI payment on PhonePe. 

  1. Tap To Mobile Number under the Transfer Money section in the PhonePe app Home screen.
  2. Search for a contact or enter a phone number in the Search number, name or UPI ID bar.
  3. If you want to send money, you can type the amount that you wish to send and tap Pay.
  4. Enter your secret UPI PIN to complete the payment. 

If you just want to send a message, type the message and tap the arrow mark on the bar.

Note: If you want to send a number as a message, type the number and add a space before you tap the arrow mark to send it out.

See also: