With UPI, you can make payments to your friends and family using their registered mobile number on PhonePe or their UPI ID, or to merchants, billers, and service providers either offline or online. To make UPI payments on PhonePe, you must have added your bank account on the app. 

Watch this video to learn more. 

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• Payment Statuses
• Refunds

See also: 

• All you need to know about your UPI PIN and UPI ID (VPA)