People are using apps like Paytm, PhonePe and GooglePay extensively to make UPI payments. After making UPI payment through these apps, these companies also give people free scratch cards. Through these scratch cards, people get different offers like discount of 5 to 100 rupees and cashback, but have you ever wondered that if these companies give cashback to crores of customers, then why do they not suffer any loss or how are these companies distributing money to people for free. Let’s know.

The company lures its customers

Companies like PhonePe, Paytm offer scratch cards to their users after UPI payment to lure them so that users stay connected with them and make payments through their app. This scratch card is also a kind of marketing method, so that people stay connected with these companies.

Why PhonePe Paytm does not incur loss by giving scratch cards

Companies like PhonePe, Paytm or GooglePay do not incur any loss in giving scratch cards to their customers. For them, this expense is a kind of advertising expenditure. More customers join them through these offers. These companies earn a lot of money through different offers, brand promotions and partnerships with banks. In such a situation, giving cashback of 10 to 100 rupees to people is not a loss-making deal for them. Millions of users join them through these offers.

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NPCI has imposed a limit on many facilities. Due to which now you will not be able to check your account balance again and again. Apart from this, limits are going to be imposed on many other features. Know in details.

The month of August has started today and from today your way of using UPI is also going to change. Yes, from August 1, NPCI has made some changes to reduce the extra load on the UPI system and to speed up UPI transactions. In such a situation, if you also depend on Google Pay, PhonePe and PayTm for every small payment, then it is important that you know the new rules.

These changes are going to happen

Balance Check Limit

Till now UPI users could check their bank balance as many times as they wanted in a day. But now this will not happen from August 1. NPCI (National Payments Corporation of India) has now set a limit for this as well. Now users will be able to check their bank balance only 50 times in a day. This rule is being implemented so that there is no excessive load on the UPI system at the time of need.

Linked account listing also restricted

Under the new UPI rule, now you will be able to see the information of your UPI linked bank accounts only 25 times a day in each app (Google Pay, PhonePe or PayTm).

Autopay will now be processed on time

Nowadays, for everything from recharge to electricity bill or any kind of payment (Netflix, Amazon Prime or SIP installments), users keep Auto Pay mode set in UPI. So that they do not have to open the app again and again to make payment and the payment gets done automatically. But now a limit has been fixed on this as well. From today, Auto Pay transactions through UPI will also happen at a fixed time only. As such, from today, Auto Pay transactions will happen only before 10 am and from 1 pm to 5 pm. Because, the time from 10 am to 1 pm and then from 5 pm to 9:30 pm has been included in the peak hours.

Limit also applies to payment status checks

Often, after making a payment, users check the status again and again to see if the money has been transferred or not. But now NPCI has put a limit on this as well. Now users will be able to check the payment status only 3 times in a day, and that too with a gap of 90 seconds.

Limit on payment reversal

NPCI has now set a limit for payment reversal i.e. getting the payment back. Under the new rule, now users can request for payment refund only 10 times in a month. Apart from this, a user can ask for payment reversal only 5 times from a single person or company.

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The use of UPI i.e. Unified Payment Interface has increased rapidly in the country. But its rules are going to change on August 1. In such a situation, if you use it then it is important for you to know this news. Actually, after August 1, you will not be able to check your balance more than fifty times in a day through UPI app. This changed rule will be applicable for everyone from merchants to banks and users.

Many rules in lieu of UPI

Auto-pay transactions (such as bill payments, EMIs and subscriptions) on UPI will now be done in fixed slots only. According to reports, this time will be before 10 am or between 1 pm and 5 pm. Apart from this, slots will also be fixed after 9:30 pm. This is being done so that transactions can be done faster and the load on the system will be reduced. If a transaction fails, you can check its status only after three days. For this, there should be a gap of at least 90 seconds every time.

These rules will apply to all UPI users, whether they are users of Google Pay, PhonePe or Paytm. This year, in the months of March and April, there were two major incidents of system down, due to which lakhs of users were troubled.

What will be the impact?

Actually, the change in UPI rules is not going to have any effect on the common users. They will continue to make daily bill payments and other payments or transfers as before. As before, they will be able to transact up to one lakh rupees in a day. Also, there is a limit of five lakh rupees for payments related to education or health care. However, it will definitely happen now that after August 1, no UPI user will be able to check the balance more than fifty times a day.

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These are the 5 main changes

1. Balance check limit: Now you will be able to check the balance only 50 times in a day on any one app (eg PhonePe, GPay). If you use two apps (eg Paytm + PhonePe), then there will be a separate limit of 50 times on each app. There will be a restriction or limit on checking the balance during peak hours (10 am–1 pm and 5 pm–9:30 pm).

2. Auto balance update after every transaction: A big relief for shopkeepers, street vendors or businessmen! Now after every successful payment, the bank will send an SMS or notification to inform the balance. This will eliminate the need to check the balance again and again.

3. Linked bank account information: You will now be able to view the list of bank accounts linked to your mobile number only 25 times a day. And that too only when you select the bank yourself and approve it.

4. New AutoPay schedule: Auto payments like Netflix , Amazon Prime or SIP will now be charged only during non-peak hours:

• – Before 10am
• – 1 PM to 5 PM
• – After 9:30 p.m.
• – Autopay will be closed during peak hours.

5. Rules for checking transaction status: If the payment fails or gets stuck, its status can be checked only after 90 seconds. This can be done only 3 times a day and a gap of 45–60 seconds is required each time.

Other important changes

Annual Audit: Every bank must get its system audited once a year. The first report must be submitted by August 31, 2025.

Chargeback Limit: You can ask for payment reversal (chargeback) only 10 times in 30 days.

Core payments will not be impacted: Core services like money transfers or merchant payments will not be affected by these rules.

Why this change?

In the past months, the load on the UPI server had increased, due to which there were complaints of transaction failure or slowdown. According to NPCI, frequent balance checks or autopay processing puts pressure on the system. The new rules will reduce the server load and UPI will run smoothly.

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If you do not keep cash in your pocket and are relaxed due to UPI service, then this news is for you. Actually HDFC Bank has alerted its customers that it is going to do an extremely important system maintenance. Due to this, UPI service will be closed for a few hours. In such a situation, it may be wise to carry cash with you on that day. Let us tell you that since the arrival of UPI service, people have reduced carrying cash with them. The government also wants that people do as many transactions as possible digitally. However, every system needs maintenance at some point of time and in such a situation people may face problems.

When will UPI be down?

According to the information released by HDFC Bank, it will keep its UPI service closed from 11:45 pm on 3 July 2025 to 1:15 pm on 4 July 2025. During this time people will not be able to use UPI service for 90 minutes. The bank has chosen this time thoughtfully because during this time the load on the UPI server is less. However, people definitely make UPI payments during this time.

The effect will be visible on all UPI apps

Let us tell you that this down will not only affect HDFC’s own mobile banking app, but other UPI apps like PhonePe, WhatsApp Pay, Google Pay and Paytm will also not be able to work during this downtime. Let us tell you here that this will only affect those people whose UPI account is linked to HDFC Bank. The customers of that bank will neither be able to make payments through UPI nor receive money at the time specified by the bank. Apart from this, non-financial work related to UPI such as checking balance or changing UPI PIN will also not be possible during this time. HDFC’s RuPay credit card UPI service will also be closed at this time!

Businesses will also be affected

Let us tell you that the bank has clarified that the services of those businesses whose payment services are through HDFC Bank will also stop at this time. During this time, businesses will neither be able to receive nor make any kind of payment. Keep in mind that during this time other services used for transactions such as net banking, ATM, debit and credit cards will continue to run normally.

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The company has made preparations to connect such people with digital payment, who are still using feature phones and do not use UPI. The company has got the technology to make this possible. It has bought Gupshup’s GSPay technology. It has been told that in the coming days, a UPI payment app will be launched for feature phones.

What is GSPay technology, which PhonePe will use

It has been told that GSPay is a mobile application. It is built on the UPI payment system (UPI 123PAY) of NPCI i.e. National Payments Corporation of India. With its help, UPI payment is done through feature phones. Many mobile companies like Jio, HMD etc. have introduced such feature phones which support UPI payment. It has been told that PhonePe will further improve the technology of GSPay. After that, the technology will be brought in the new feature phones launched in the country and UPI payment will be made from feature phones on the PhonePe app.

What will be the benefit to people

PhonePe wants that the section of the country which uses feature phones and is not yet connected to UPI payment or is making payments through other methods, can easily use UPI. Through the technology of GSpay, people will be able to send money to each other P2P i.e. person to person. They will be able to make payments offline through QR code. In this method, internet connection is not required to make payment. People will also get the facility to receive money from any UPI user. It has been told that the company wants to make payments easier between feature phone users and smartphone users.

What does PhonePe have to say on the new technology

On the new technology, PhonePe has said that it is very happy to have acquired GSPay technology. Through this technology, in the coming days, people using feature phones will be able to avail UPI payment facility. The company believes that the finance industry and the startup ecosystem have not yet paid attention to such people. The company has expressed hope that it will be able to connect crores of people using feature phones with UPI payment in the coming days.

How many people in the country are using feature phones

Data shows that till last year, the number of feature phone users in India was 24 crores. It is estimated that in the next 5 years, 15 crore feature phones will be introduced, which means this user base will remain intact. UPI payment facility is available in feature phones, but PhonePe, Paytm or other private players have not yet jumped into this category. If the UPI app of these companies comes in feature phones, the revolution of digital payment in the country can reach the next level. More and more people will be able to use banking services from home.

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Cyber ​​fraud is no longer a new thing. Lakhs of people have fallen victim to it. However, the Department of Cyber ​​Security and the Government of India are making people aware about it. In this regard, the Department of Telecommunications (DoT) of the Government of India has issued new security measures for lakhs of UPI users. This security measure is being called the Financial Fraud Risk Indicator (FRI), which will involve banking and non-banking institutions to prevent common UPI-related frauds and scams. All these institutions will work together to prevent scams.

In fact, the Financial Fraud Risk Indicator released by the Department of Telecommunications will primarily analyse certain phone numbers and ultimately block such numbers that are attempting cybercrime activity. Launched under the Digital Intelligence Platform, the measure is designed to create a secure payment system and encourage more people across the country to adopt digital transactions. The FRI system will help banks and non-banking institutions identify risky transactions, thereby preventing them before they are completed.

UPI Security Update

The Financial Fraud Risk Indicator System will act as a tool that will help financial institutions keep an eye on suspicious phone numbers and UPI addresses. It is being said that the FRI will mark numbers that have been reported as sources of spam or cybercrime. This will also include numbers that have failed the verification process and have been found to be violating various rules.

Once the numbers are marked, they will be categorized into three levels of risk – medium, high and very high. This categorization will be done entirely based on the National Cybercrime Reporting Portal, Chakshu platform and other intelligence received from financial institutions.

Once categorized, the data is sent to central servers. Whenever a UPI user tries to transfer money to such a number if the transaction is marked as ‘very high risk’, the UPI app will block that transaction and alert the user. For numbers marked as medium risk, a warning will be given to the user.

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This new initiative is called Financial Fraud Risk Indicator (FRI). Its job is to identify mobile numbers that may be involved in fraud. If a number is being used for cybercrime or any suspicious activity is seen in it, it will be blocked.

What will the new system do?

The FRI system is a kind of digital alert tool. As soon as any banking or UPI transaction involves a suspicious number, this system will identify it and alert banks and other financial institutions. Fraud can be stopped before it happens.

The most special thing about this system is that it will work not only for banks but also for non-banking platforms. That is, apps like Paytm, PhonePe, GPay will also be able to keep their users safe with the help of this tool.

What numbers will FRI catch?

• Numbers that have already been found to be associated with a scam
• Numbers that have not completed KYC or verification
• Or those who repeatedly violate the rules

All such numbers will be flagged through this system and blocked if necessary.

Why is it important?

Nowadays, digital payments have become very common, but with it, cases of cyber fraud have also increased rapidly. In such a situation, this step of the government will not only increase the security of the common people but also increase the trust in digital transactions.

What should users do?

The post No more online fraud, government releases big update for Paytm, GPay, PhonePe users first appeared on Rightsofemployees.com.

PhonePe has launched a feature that will solve this problem of yours in a moment. Now there is no need to check the calendar again and again nor the hassle of setting reminders.

What is the new feature?

PhonePe has added payment reminder and auto pay option to its app. With the help of this feature, you can set the payment date, amount and biller in advance and then on the specified date you will get a reminder or the payment will be done automatically.

• First of all open the PhonePe app in your phone.
• Tap on the profile icon on the top right.
• Now scroll down and go to Settings and Preferences.
• Here you will see the option of Reminders, click on it.
• Then tap on Add Reminder and fill all the details related to the payment, to whom the payment is to be made, how much is the amount, how often (daily/weekly/monthly).
• Select the date, add a message if you want and then save it.
• That’s it! Your settings are ready. Now on the specified date the app will remind you that you have to make the payment.
• Auto Pay will make the work easy
• If you want the payment to be done automatically on the specified date every month, then the AutoPay feature of PhonePe is the best for you.

How to activate auto pay?

• Open the PhonePe app again and tap on the profile icon.
• Now go to Payment Settings and tap on Autopay Settings there.
• Then select Manage Autopay and click on it.
• Here you have to select your biller and also select the card through which the payment will be made – like Visa, MasterCard, ICICI etc.

Now enter the payment amount and confirm it.

Once it is set, your bill will be paid automatically and the best part is that you will also get a reminder before the payment so that you can stop it if you want.

The hassle of remembering due dates is gone.

For those who always forget to make payments on the due date, these features are no less than a relief. Now, neither late fees will be charged nor will service be reduced. So what are you waiting for? Update your PhonePe app today and activate this new feature.

These apps also have a payment reminder system…

Google Pay sends reminders as soon as the bill is due and allows auto payment for select services.

Paytm- Reminds you through SMS and notifications near the due date and provides auto debit facility for credit card and other payments.

Amazon Pay- Gives a reminder for the next time after paying the bill and voice reminder is also possible through Alexa, along with the auto-pay feature.

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UPI Circle will be a kind of private group. You can add your friends and family members in this group.

PhonePe , a big digital payment company, has launched a new feature. Its name is UPI Circle. With this, people will be able to easily manage payments for their family and trusted people. You can create a group with UPI Circle. The main account holder in this group can make UPI payments on behalf of others. Even if a member’s bank account is not linked to UPI, he will still be able to make payments.

What is UPI Circle?

According to the Economic Times, this is a group where the primary user can make payments on behalf of someone else, even if those people do not have a bank account linked to UPI. UPI Circle is very useful for those who want to manage the payments of their family members. It is also good for those who do not have a bank account but want to make digital payments.

How does it work?

Secondary users can make payments using their UPI ID. But the primary user has full control. He can approve or reject payment requests. Can keep track of expenses. Can view payment history and can remove anyone from the group at any time.

What is the claim?

PhonePe’s Chief Business Officer (Consumer Payments) Sonika Chandra says that UPI Circle is a huge step. This will make digital payments easier for those who do not have a bank account or who are just learning to make digital payments. She said that the purpose of including UPI Circle in the PhonePe app is to make digital payments easy for everyone and everyone can take advantage of financial services.

It started in these apps too

Economic Times had reported last year that the National Payments Corporation of India (NPCI) was going to introduce this feature. Major payment apps like Amazon Pay, Google Pay and BHIM had also started its trial in September.

Preparing for listing in the market

The Economic Times also reported in February that PhonePe is preparing to be listed on the Indian stock market with the help of Walmart. However, no date has been set yet.

PhonePe CEO and co-founder Sameer Nigam said that the listing is taking some time. One reason for this is that according to NPCI rules, no UPI app can capture more than a certain market share.

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As per the DownDetector report, around 1,168 complaints of UPI issues were registered till afternoon. Of these, Google Pay users have registered 96 complaints, while Paytm users have registered 23 complaints. UPI has not yet responded to this, but there have been several disruptions in the last few days.

The incident marks yet another disruption to UPI services in recent times. The recurring issues have raised concerns among users who rely on the platform for daily transactions.

The incident marks yet another disruption to UPI services in recent times. The recurring issues have raised concerns among users who rely on the platform for daily transactions.

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This move by NPCI is aimed at curbing cyber fraud and scams, as sometimes inactive mobile numbers are reissued by telecom companies, increasing the chances of fraudulent transactions.

If you also have an old or inactive mobile number linked to your bank account, update it as soon as possible. Otherwise, you may face issues while making UPI payments, such as transaction failure or money being transferred to the wrong account.

In view of the rapidly increasing cases of cyber fraud and online scams, NPCI has issued new guidelines. It says that such mobile numbers, which are not being used for a long time or are completely closed, need to be removed from the banking and UPI system. Inactive numbers are also causing technical problems that can affect UPI transactions.

Moreover, if telecom companies re-issue these numbers to another user, they can be used by cyber criminals for fraud. For this reason, NPCI has directed banks and payment apps to remove these numbers from the system.

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Update your active number as soon as possible for safe transactions, otherwise there may be trouble in payment

If you make UPI payments through apps like Google Pay, PhonePe, Paytm, then this news is very important for you. New rules have come into effect from April 1, 2024, under which the National Payment Corporation of India (NPCI) has instructed to remove all those mobile numbers from the bank account which are inactive for a long time. The purpose of this move of NPCI is to prevent cyber fraud and cheating, because many times inactive mobile numbers are re-issued by telecom companies, which increases the possibility of fake transactions.

If your bank account also has an old or inactive mobile number linked to it, then update it as soon as possible. Otherwise, you may face problems in making UPI payments, such as transaction failure or money reaching the wrong account

Why did NPCI take this decision ?

In view of the rapidly increasing cases of cyber fraud and online fraud, NPCI has issued new guidelines. They say that mobile numbers which are not being used for a long time or are completely closed, need to be removed from the banking and UPI system. Technical problems are also being caused due to inactive numbers, which can affect UPI transactions. Apart from this, if telecom companies re-issue these numbers to another user, then cyber criminals can use them for fraud. For this reason, NPCI has instructed banks and payment apps to remove these numbers from the system.

Why does mobile number play an important role in UPI ?

Your mobile number is your identity for UPI payments. Whenever you send money to someone, the transaction is confirmed through this number. If your mobile number has become inactive or has been issued to someone else, then—

• Payment may fail
• Money may reach the wrong account
• The risk of fraud may increase
• Therefore, it is important that the same mobile number which you have in active status should be linked to your bank account.

What should I do now ?

If an old or long-inactive number is linked to your bank account, check it as soon as possible.

First of all, contact your telecom service provider (Jio, Airtel, Vi, BSNL) and confirm whether your number is still active in your name or not. If the number is closed, activate it immediately by recharging it or go to the bank and get your mobile number updated.

NPCI has directed banks and UPI apps to update the list of inactive numbers every week, so that all such numbers are removed from the banking system after April 1.

If you want to make UPI payments without any interruption, then update your mobile number in time so that there is no problem later.

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Due to UPI outage, customers of HDFC Bank, State Bank of India, Bank of Baroda and Kotak Mahindra Bank faced a lot of problems in online payments. Due to UPI being down, thousands across the country were neither able to receive money nor transfer money. However, now UPI has been completely fixed and now all the services are working as before.

Due to this outage which lasted for about one and a half hours, users using different applications faced many problems. After this, NPCI tweeted and informed about the restoration of UPI services. NPCI also released an official statement regarding the reason for the outage.

NPCI had faced intermittent technical issues owing to which UPI had partial decline. The same has been addressed now and the system has stabilised. Regret the inconvenience.

— NPCI (@NPCI_NPCI) March 26, 2025

NPCI posted on social media platform X (formerly Twitter) that the outage was due to technical problems. NPCI said that all the technical problems have now been completely resolved and now users can use UPI.

According to DownDetector, the problem with UPI started by 7:50 pm. Within a short time, thousands of complaints were registered on the website regarding the outage. Let us tell you that India’s Unified Payments Interface is a popular online payment service. It has been designed by the National Payments Corporation of India. At present, no response has been given by NPCI regarding the UPI outage.

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If your bank account is also linked to a mobile number which is not active, then it will be removed. After this, you may face problems in making UPI payments.

The decision was taken because of this

NPCI has taken this decision in view of the increasing cases of cyber crime. National Payment Corporation says that mobile numbers which are no longer being used i.e. which are not active are creating technical problems in the banking and UPI system. If telecom operators have issued these numbers in someone else’s name, then this can increase the risk of fraud. The government’s job is to keep people safe and protect them from fraud.

It is very important to have a mobile number linked to the bank account to make UPI payments. The mobile number is a means of identification while making UPI payments. This means that whenever you make a payment, the mobile number ensures that the money is reaching the right person or not. If a number is not active and has been allotted to someone else, then there is a possibility of payment failure or it may reach another person’s account.

What to do?

If a mobile number is linked to your bank account which is no longer active or you have not recharged it for a long time, then you have to confirm with your telecom service providers (Jio, Airtel, Vi, BSNL) whether this number is active in your name or not. If the number is not active, then you should activate it immediately or change the mobile number linked to your bank account.

Recently, NPCI has instructed banks and UPI apps to update the list of deleted mobile numbers every week. This will ensure that after April 1, the inactive mobile number is removed from the banking system.

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To explain in simple language, if you had linked a number to your bank account or UPI app like Google Pay, PhonePe and Paytm and did not recharge that number. If the number is not working, then that number will be removed from your bank account. According to media reports, National Payments Corporation of India i.e. NPCI has asked banks and apps to remove such numbers by March 31. If this is the case with you too, then you need to follow the steps given below.

Why was this decision taken

According to reports, linking old and useless mobile numbers which are not in use to any bank account can lead to technical problems. If that mobile number is issued in someone else’s name, there is also a fear of fraud. The government wants to keep people safe by avoiding such situations.

Mobile number serves as identification

In case of UPI payment, the mobile number acts as the identification and ensures that the other person is getting the correct payment or not. If the mobile number is not in use and someone else has issued it, then it can cause technical problems. The chances of payment failure increase. That is why orders have been given to delete such numbers.

What should the affected people do?

People whose mobile number is linked to their bank account and they have not been able to recharge it for a long time, should confirm with their mobile operator like Jio, Airtel or Voda-Idea whether the number is active on your number or not. If the number is active in your name, then get it recharged immediately. If the number has been deactivated, then get it activated.

Which mobile numbers get deactivated

According to the report, if a mobile number is not recharged for 90 days, it can be deactivated. However, the user is given a grace period of 15 days and in that period he can get his number activated again. If the number is not activated, then that SIM becomes inactive and it can be allotted to someone else.

What has NPCI said to banks and UPI apps?

NPCI has asked banks and UPI apps to update the list of deleted mobile numbers every week. This will ensure that useless numbers will be removed from the system after April 1. If you are also among those people whose mobile number has not been recharged for many months and it is registered with banking and UPI payments, then get your number activated immediately. By doing this you will be able to avoid any dilemma.

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PhonePe co-founder and CEO Sameer Nigam said, “Reaching 60 crore registered users is a proud moment for all of us at PhonePe…”

“We will continue to build homegrown solutions to meet the needs of our users and help drive India’s digital transformation,” he added.

As of March, 2024, the company had around 53 crore registered users.

PhonePe claims to process over 33 crore transactions daily, with an annual total payment value of over Rs 150 lakh crore.

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The post PhonePe crosses 60 crore registered users mark first appeared on Rightsofemployees.com.

Now withdrawing PF will be as easy as withdrawing a bank account

Earlier it used to take a lot of time to withdraw PF, but now it will be as easy as withdrawing money from the bank. EPFO ​​is upgrading its system so that employees can withdraw their PF money from ATM anytime. Minister Mandaviya also said that this is your money, withdraw it whenever you want.

How to withdraw PF from ATM?

Under this new facility of EPFO, your PF account will be linked to an ATM-supported system. To withdraw money, you will have to verify your identity with UAN Universal Account Number or linked bank account. Also, multi-factor authentication process like OTP verification will be implemented for security.

Facility to withdraw money from PF will also be available through UPI

Apart from ATM, EPFO ​​is also preparing to provide the facility of withdrawing PF through UPI (Unified Payments Interface). This means that you will be able to withdraw PF directly through apps like PhonePe, Google Pay, Paytm, BHIM. Currently, it takes 2-3 days to withdraw PF through NEFT or RTGS, but with UPI, this work will be completed in a few seconds.

PF ATM card will be available under EPFO ​​3.0

EPFO customers will soon get a special PF ATM card, through which they will be able to withdraw money from their PF account at any nominee ATM. However, information about which ATMs will support this facility has not been given yet. But EPFO ​​has assured that it will be made easy and user-friendly.

Withdrawing PF will be easier than before

After the introduction of EPFO ​​3.0, the process of withdrawing PF will become completely digital and instant. Lakhs of employees will benefit from this, especially when money is needed immediately. The government will soon release the launch date of this facility and the complete process.

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The post PF Withdrawal Rule: You can also withdraw PF money from PhonePe, GooglePay, Paytm and BHIM app first appeared on Rightsofemployees.com.

New Delhi. The Employees’ Provident Fund Organization (EPFO) has started a major change in the way it works. Currently, employees have to go through a long process to withdraw money from their PF account, but soon they will get the option to withdraw their PF money through UPI options like PhonePe and Paytm and ATMs. Preparations are underway to start this facility very soon.

According to Financial Express, the Employees’ Provident Fund Organization (EPFO) has prepared the complete blueprint of this scheme and talks are going on with the National Payments Corporation of India (NPCI) to implement this facility. If everything goes well, this facility can go live on the UPI platform in the next 2-3 months. About 7 crore members of EPFO ​​will get the benefit of this. After UPI integration, EPFO ​​members will be able to receive their claimed amount directly in the digital wallet, making the withdrawal process fast, simple and hassle-free.

7 days work will be done in minutes

Once EPFO ​​starts the UPI facility, the transaction will become very easy for the employees. Currently, one has to wait a lot for the money to reach the PF account. Generally, the PF withdrawal process is completed in about 7 days in most of the cases. But, after the implementation of UPI integration facility, it will be completed in a few hours or minutes and the money will reach the people’s account.

Claims will not be rejected

Another benefit of EPFO’s UPI facility will be that the chances of rejection of claims will be reduced and there will be more transparency in transactions. However, EPFO ​​has not yet made any official announcement about this facility. More information will be available only when EPFO ​​​​issues a formal notification on it. Apart from UPI, EPFO ​​​​is also offering a new ATM facility. This will allow EPFO ​​​​subscribers to withdraw their Provident Fund (PF) directly from the ATM. The EPFO ​​​​3.0 initiative aims to improve user experience and provide easy access to savings. Also reduce paperwork.

How will EPFO ​​ATM work?

The ATM facility started by EPFO ​​will be just like a debit card. To withdraw money through this, you will have to link your UAN. After this, you will have to verify the OTP and then withdraw cash. Through this facility, you will be able to withdraw your PF without waiting for the approval of your employer. Meaning, now you will not need the permission of the employer to withdraw PF money.

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The post EPFO UPI Service: PF money will be withdrawn through Google Pay, PhonePe and Paytm, check details first appeared on Rightsofemployees.com.

Apart from this, the card can also be tokenized at online merchants where PhonePe payment gateway services are integrated.

Digital payment will be even more secure

Rahul Chari, Co-founder and CTO, PhonePe, said, “This launch will be a step forward towards making digital payments more secure and seamless. We plan to expand this offering by integrating with more card payment networks and enabling access to device tokenised cards to all PhonePe PG merchants.”

Rahul Chari said, “At PhonePe, we have always focused on building innovative solutions that enhance customer trust and convenience. With the growth of digital payments, we are committed to providing offerings that make transactions secure, fast and hassle-free for both businesses and consumers.”

Benefits of tokenizing the card

According to the company, tokenizing the card has many benefits for consumers. PhonePe customers will no longer need to save their card details on the merchant platform or enter CVV for every transaction, leading to higher success rates and fewer drop-offs at checkout. With tokenized cards securely attached to the device, the risk of fraud from stolen or leaked card details is also significantly reduced, providing consumers with a strong security and increasing consumer confidence in online payments.

Users will be able to tokenize Visa credit and debit cards

First, users will be able to tokenize their Visa credit and debit cards. As more consumers adopt this seamless payment method, businesses will naturally benefit from higher success rates, improved customer experience, and a seamless checkout experience, driving growth.

The company said, “As a leading payment gateway, PhonePe Payment Gateway is proud to be the first company to offer this solution to all its merchants.”

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Developed by the National Payment Corporation of India (NPCI), UPI facilitates transactions without the need for IFS code, it only requires a UPI ID.

HDFC Bank has announced that its UPI services will be unavailable for three hours due to system maintenance. This downtime is scheduled from midnight to 3:00 am on February 8, 2025. During this time customers will not be able to make financial or non-financial transactions using HDFC Bank current and savings accounts or RuPay credit cards.

Impact on customers

This temporary suspension will affect millions of users who rely on UPI for daily transactions. The bank has advised customers to plan their payments accordingly to avoid inconvenience during the maintenance time. It is important for users to be aware of this downtime to manage their finances effectively.

UPI has become an integral part of India’s digital payments landscape, with crores of people using it regularly. Its popularity comes from the ease and speed of transferring funds without the traditional banking hassles. However, such scheduled maintenance ensures that the system remains efficient and secure.

Understanding the Role of UPI

The importance of UPI in everyday transactions cannot be underestimated. It has revolutionised the way people send and receive money, making cashless payments a reality across the country. As digital payments grow, it is imperative to maintain a robust infrastructure for seamless operations.

While such disruptions are rare, they highlight the importance of regular updates and maintenance to keep digital platforms running smoothly. Users are encouraged to stay informed of any future service disruptions through official bank communications.

HDFC Bank’s proactive approach in informing customers ahead of time reflects its strong commitment to transparency and customer service. By understanding these scheduled downtimes, users can better prepare and adjust their financial activities.

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The post UPI Services To Be Temporarily Unavailable On This Date In February | Check Timings first appeared on Rightsofemployees.com.

The National Payments Corporation of India (NPCI) has issued an important circular, which has given information about the new rules related to UPI ID. According to these rules, no financial transactions can be done through UPI ID with special characters from February 1, 2025.

From February 1, a new rule has come into effect for all financial transactions related to UPI. Now only alphanumeric letters (AZ, az, 0-9) can be used in UPI ID. This means that UPI IDs made up of special characters like @, #, %, $ will no longer be valid. If you have used any such ID, it will no longer be eligible for transactions through UPI.

Why did NPCI take this step?

This step has been taken with the aim of making UPI transactions simple and secure. Earlier too, NPCI had suggested alphanumeric ID for UPI ID, but some banks and payment companies were ignoring it. Now, NPCI has decided to take strict action against non-compliance of this rule. Implementation of these new instructions will ensure a better and more secure payment experience for both the UPI user and the bank.

What do you have to do?

If you are still using any special symbols like @, #, %, $ etc. in your UPI ID, then you will need to change it. Failure to do so may result in your UPI ID being blocked for financial transactions. Therefore, you will have to make your ID alphanumeric, so that you can make transactions without any hassle.

This change is being made with the aim of making UPI more secure and user-friendly. If you had added any special symbols to your UPI ID till now, this is the deadline for you to change it properly.

The post UPI Payment Rule: Major changes in GPay, PhonePe and UPI transactions, now you too should not make this mistake… first appeared on Rightsofemployees.com.

Insurance policy for less than Rs 10 for Diwali

According to the company’s announcement, this insurance plan will cover accidents caused by firecrackers on the occasion of Diwali. Coverage on this firecracker insurance will be available from October 25. This means that if a person buys this plan after October 25, the coverage will be applicable from the date of purchase. Under this special plan, which is available for less than ten rupees, the insurance holder and his family will be given coverage of up to Rs 25,000 for 10 days.

Who can get Firecrackers Insurance Plan and when?

Under the Firecrackers Insurance Plan, the holder gets security from expenses related to hospitalization, treatment or accidental death due to firecrackers. Any user of the PhonePe app can buy this new insurance plan for himself and any close person including his family, relatives, neighbors, friends in less than a minute. This plan covers the policy holder and four members of his family i.e. husband-wife and two children.

How to Purchase Firecrackers Insurance Plan?

On Diwali, there are many reports of people getting injured in accidents during firecrackers and fireworks across the country. PhonePe’s insurance plan initiative has made the users almost tension-free in such accidents. PhonePe users can choose and buy the firecrackers insurance facility after clicking on the insurance section of the app. However, the user must read the plan information, terms and conditions before completing the payment process of Rs 9 for the premium. Also, one should not forget to check and update all his information before taking the insurance policy.

Age, coverage, payment rules in PhonePe Insurance

According to the rules of PhonePe’s Firecrackers Insurance Plan, the policy holder will be covered only as per the age limit given in the instructions. The age limit for adults is 18 to 65 years and for children, the age limit is 3 months to 25 years. In case of accidental death of the policy holder during fireworks, a lump sum coverage amount of Rs 25,000 will be paid.

On the other hand, the sum insured amount of Rs 25,000 will be given on floater basis in case of hospitalization after a firecracker accident. In this, day care procedure will be applicable along with hospitalization for 24 hours. However, this plan will also be applicable if the patient is admitted in the hospital for less than 24 hours.

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To use them, you must have a bank account, but with a feature, Google Pay will allow you to make payments without a bank account. National Payments Corporation of India (NPCI) has recently launched UPI Circle. Now Google has introduced it for its payment service.

Google unveiled many new features at the Global Fintech Fest (GFF 2024). The company has introduced UPI Circle for Google Pay, which will improve your digital payment experience. Under this, your family and friends members can make payments on your behalf. New features can help Google Pay to compete with companies like PhonePe and Paytm in UPI payments service.

Google Pay: UPI Circle

Recently, NPCI has introduced UPI service feature for UPI. Under this, you can allow your family members and friends to make UPI payments on your behalf. For this, they do not need to link their bank account. You can make family members and friends secondary participants.

You can register secondary participants in partial or full delegation category. The limit for payments made by secondary participants is up to Rs 15,000 per month.

Also Read: IT company Infosys has issued offer letters to more than 1000 freshers

These new features will be available in Google Pay

Apart from UPI Circle, you will also get the benefit of these features on Google Pay.

eRupi Voucher: This is a voucher based payment feature. Existing UPI, organizations including government departments can issue UPI vouchers under this feature. These vouchers can be redeemed for different services and transactions.

Tap & Pay Payments: This feature will make it very easy to make payments using Rupay card via mobile. You have to add Rupay card details in Google Pay. After this, payment will be done by tapping the mobile on the card scan machine.

UPI Lite Autopay: This feature has been released for UPI Lite users. If your balance in UPI Lite falls below the set limit, then the balance will be automatically credited through this option.

ClickPay QR: Facility to create QR code according to payment amount will be available. UPI payment can be made directly by scanning this code. This will eliminate the need to enter payment amount etc.

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The post Google Pay has introduced many new features including UPI Circle for UPI payments. first appeared on Rightsofemployees.com.

Credit card bill payments through the platforms of PhonePe, Cred, BillDesk will be affected. The Reserve Bank of India (RBI) had earlier directed that all credit card payments after June 30 should be processed through the Bharat Bill Payment System (BBPS).

So far HDFC Bank, ICICI Bank and Axis Bank have not activated BBPS. These banks have issued a total of more than 5 crore credit cards to customers.

However, these banks have not yet complied with the instructions. Fintechs like PhonePe and Credi, which are already members of BBPS, will also not be able to process payments on credit card dues for them after June 30. Therefore, banks need to follow the rules for these fintechs to operate without any hassle. These rules of RBI are valid till June 30.

Also Read: Good news for Govt employees! 8th Pay Commission proposal received, this will be the salary structure

According to the report, the payment industry has demanded to extend the deadline to 90 days. So far, only 8 banks have activated bill payments on BBPS, while a total of 34 banks are allowed to issue credit cards. The list of banks that have activated BBPS includes SBI Card, BOB Card, IndusInd Bank, Federal Bank and Kotak Mahindra Bank. According to the industry, apart from allowing the central bank to track and resolve fraudulent transactions, RBI needs to keep an eye on payment trends.

The post Credit Card Bill Payments Via Cred, BillDesk, PhonePe To Be Stopped After June 30 first appeared on Rightsofemployees.com.

Jio UPI Payments: After creating history in the telecom sector, Mukesh Ambani is now planning to enter the UPI sector soon. Due to Jio’s entry into this segment, PhonePe and Paytm are going to get a big competition. Jio gained customers in the telecom sector by providing free data and calling facilities and later captured the market.

According to the news of ET Now, Jio is planning to launch Soundbox in the market soon. Jio has started selling Soundbox at retail outlets. This will directly compete with Paytm Soundbox.

Paytm crisis can be beneficial

Soundbox will soon be added to Mukesh Ambani’s Jio Pay app. According to the report of ET Now, the trial of Soundbox has also started from Jio. At present, many apps are already available in this segment. At present, Mukesh Ambani may get the benefit of the big action taken by RBI against Paytm.

Customers can get attractive off

Mukesh Ambani can also give many attractive offers to the customers to capture the UPI market. Due to this plan of Jio, the concern of other companies is increasing a lot. Jio can easily take advantage of the ban imposed on Paytm.

Flipkart is also providing facility

At present Phone Pay, Google Pay, Amazon Pay and Paytm app are available in the market. At the same time, recently Flipkart has also started the facility of UPI service in the market. Flipkart has started UPI facility in collaboration with Axis Bank. The company has launched UPI handle (@fkaxis). At present it is available only for Android users.

The post UPI Payment: Problems increased for Phonepe-Paytm, Jio will take over UPI payment also first appeared on Rightsofemployees.com.

If you want to withdraw money from an ATM machine, a debit card is required. But in today’s digital and technology era, you can withdraw money from ATM machine even without a debit card. For this you should only have your mobile. For this you do not need an ATM card. This banking service has been running for many days.

Although many banks were already providing the facility to their customers to withdraw money without card, but now the Reserve Bank has further expanded its scope. UPI i.e. Unified Payment Interface will be used for this facility. RBI has allowed banks to provide the facility of withdrawing money without using the card. Today we will talk in detail about withdrawing money from ATM without card.

To withdraw money from ATM without debit card, you must have a smartphone. Your smartphone should have any UPI enabled app like BHIM, Paytm, GPay, PhonePe etc. You will be able to withdraw money through these apps only.

Follow these steps

To withdraw money, first go to the ATM and choose the option to withdraw money without card. You will see the option to provide identification through UPI. After this, open the UPI app in your mobile and scan the QR code visible in front. You will be authenticated through UPI and after that you will be able to withdraw money. The further process will be the same as before. Enter the amount of money you want and withdraw your money.

Which technology will be used?

The Reserve Bank will soon issue separate instructions to NPCI, ATM network and banks to provide the facility of withdrawing money from ATM without debit card. Unified Payment Interface i.e. UPI will be used for this facility. Customers will be identified through UPI and such transactions will be settled through the ATM network. Let us tell you that this step will also provide a lot of relief to banks.

Benefits of withdrawing money without card

Reserve Bank Governor Shakti anta Das has said that the facility of withdrawing money from ATM without card is very beneficial. He had said that the facility of cash withdrawal without card will help in preventing frauds like card skimming, card cloning. Apart from this, you will not need to keep the card with you. Your smartphone will do all this work.

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Private sector ICICI Bank customers will now be able to do UPI transactions with their RuPay credit cards. This service has been started by the bank from December 1, 2023. Now customers can make UPI payments by linking their ICICI RuPay Credit Card to any UPI app including PhonePe, GooglePay and Paytm.

To whom do you pay? 

According to the information given by ICICI Bank, any person can transfer money from his RuPay credit card only from person to merchant. That means you can use it only for shopping. If you cannot transfer money to any person through this. 

How to make UPI payment through ICICI Rupay Credit Card?

To make payment through ICICI RuPay Credit Card, first of all you have to link your credit card through UPI app. After this, you can easily go to any merchant QR code and transact through UPI PIN. 

How to link ICICI Rupay Credit Card with UPI?

You can easily link ICICI Bank RuPay Credit Card to the UPI app. 

• For this, first of all you have to download the iMobilePay app of ICICI Bank. After this, open the app and go to ‘UPI Payment’. After this go to ‘Manage’ tab. 
• Now go to ‘My Profile’ and click on Create New UPI ID. 
• Select RuPay Credit Card here. Click on its procedure. After this, you can set the PIN and do UPI transaction. 

Transactions can be done with Rupay credit cards of these banks

Apart from ICICI Bank, you can also easily do UPI transactions using RuPay credit cards of Axis Bank, Kotak Mahindra Bank, SBI Card, HDFC Bank, ICICI Bank, Yes Bank, Bank of Baroda and Punjab National Bank. 

The post ICICI Bank allows UPI payments via RuPay credit cards first appeared on Rightsofemployees.com.

However, there is no need for everyone to panic about this. Instructions have been given to close such UPI from which no transaction has been done in the last one year. NPCI has also asked users to send notification through email or message before closing UPI.

NPCI has said that it hopes that this action will increase the security of UPI transactions. Apart from this, many wrong transactions can be stopped. As per the instructions issued by NPCI, all applications and banks will henceforth validate the UPI ID and linked mobile number of inactive customers. UPI ID will be closed if there is neither credit nor debit in a year.

This action is being taken because NPCI has received many complaints of wrong transactions. People often change their mobile number but forget to update the UPI ID that comes with it, which is one of the major reasons for this. This number has been given to someone else and UPI is still active there. This will ensure that only the person whose number is getting the money. Many such cases have come to light due to which NPCI is now taking this step.

The post NPCI orders Google Pay, PhonePe and Paytm, these UPI IDs will be closed first appeared on Rightsofemployees.com.

NPCI has issued a circular to Google Pay, Paytm and Phone Pay saying that those UPI IDs have not been activated for a year. This means that the users have not transacted with any of their UPI ID for a year. His ID should be closed after December 31, 2023.

Let us tell you that NPCI is a non-profit organization, which is India’s retail payment and settlement system. That means apps like PhonePe, Google Pay and Paytm work on its guidelines. Also, in case of any dispute, NPCI acts as its mediator.

Know what are the rules?

According to the NPCI circular, keeping in mind the security of the users, instructions have been given to close the UPI ID which is not used for 1 year. Actually, many times users create a new ID without delinking their old number. Due to this people can become victims of fraud. In such a situation, instructions have been given by NPCI to close the old ID.

At the same time, the old number of the user can be issued to someone else. This may increase the possibility of fraud. This is the reason why the decision has been taken to close Purani Ko ID.

The post New update released for users of Google Pay, Paytm and PhonePe – Check Details first appeared on Rightsofemployees.com.

National Payments Corporation of India (NPCI) has directed all banks and third party apps to block those IDs in which no transaction has been done for one year. For this, NPCI has given time till 31st December.

Therefore, in any case, activate your UPI ID before this date. The bank will also send a notification to the users through email or message before deactivating the UPI ID. With this step of NPCI, UPI transactions will become more secure than before. Besides, wrong transactions will also be stopped.

What does the new guideline say?

According to the new guidelines of NPCI, all third party apps and PSP banks will verify the UPI ID and the mobile number associated with it of inactive customers. If any kind of credit or debit has not been done from this ID for one year, then it will be closed. From the new year, customers will not be able to transact with these IDs.

There will be no scope for wrong transactions

NPCI has given time till December 31 to banks and third party apps to identify such UPI IDs. Through these new guidelines, NPCI wants to ensure that money is not transferred to the wrong person nor is it misused. Many such cases have come to light in recent times.

Difficulty comes with changing mobile number

Many times people change their mobile number and forget to deactivate the UPI ID associated with it. Due to the number being switched off for several days, it gets accessed by someone else. But, only the old UPI ID remains linked to this number. In such a situation, the possibility of wrong transaction increases manifold.

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These days we do most of the work online. Even now people have started paying electricity bills online. Today we will tell you how to check electricity bill online and how to pay it.

There are many online wallets like PayTM, PhonePe, Google Pay with the help of which one can easily pay electricity bill online. Today we are not only going to tell you how to check electricity bill online but will also tell you how to pay the electricity bill. So let’s start.

How to check electricity bill online:

To check electricity bill online, visit the official website of the electricity company from which you take electricity. The advantage of checking on the website is that the electricity bill will be shown exactly as it is at home. You can download your electricity bill from the website and also take a printout of it. Also, if there are old electricity bills left then you can see them also.

E-wallet tells the total amount, however, if you check the electricity bill on Paytm, Phonepe, it will tell only the total amount. To check electricity bill from wallet, customer number or account number will be required. This number is written on the electricity bill and has a different name in different states. If you want to pay electricity bill only for one month, then go to the payment app and select the account number, state and electricity department there.

How to pay electricity bill online:

We all are familiar with Paytm App. Apart from being a mobile wallet, it is also a virtual bank. With its help you can also recharge mobile phones, DTH and electricity bills. Also book movie tickets. To use Paytm, one needs to create a Paytm account. For this only mobile phone number, debit card, bank details are required. So let us know how you can pay electricity bill online with the help of Paytm.

Step 1: Recharge & Pay Bills option will appear on the home page of Paytm. Click on it. After this click on the Electricity icon.

Step 2: After this select your state and then select Electricity Board in the box below. There can be more than one electricity board in a state. Therefore, check your bill to find out which electricity board you belong to. The names of all the boards will be visible in the app. Select your board from them. Then enter the Service Number or Account Number. This number is known by different names in the electricity board.

Step 3: After entering the account number, click on the process button. As soon as you click, the remaining electricity bill appears in front of you. Along with this, in whose name the electricity connection is, what is the last date for paying the bill, everything is told.

Step 4: Now comes the turn to make payment. Payment can be made in many ways such as debit card or net banking. If you want to make payment through debit card, then fill the asked information. Then press the Pay button. After this the electricity bill will be paid and you will get a receipt which will be proof that you have paid your bill.

The post Electricity Bill Details Online: Check & pay electricity bill online with PayTM, PhonePe, Google Pay first appeared on Rightsofemployees.com.

PhonePe has added a new feature ‘Income Tax Payment’ to make things easier for Indian taxpayers. With the help of this, taxpayers can pay their tax. Actually, the last date to file ITR for the financial year 2022-23 is 31 July. For this, users can use credit card or UPI.

The feature of Indian digital payment company PhonePe will allow both types of taxpayers i.e. individual and business to pay advance tax. Like Paytm, the PhonePe app is very popular in India.

No separate login required

For this, the taxpayer will not need to login separately on the tax portal . The purpose of introducing this feature is to provide seamless experience to taxpayers. PhonePe has given this information. PhonePe has partnered with PayMate for this feature. PayMate is a digital B2B payment and service provider.

Payment by credit card or UPI  

With the help of the features released on Monday on Phone Pe, taxpayers can pay tax with the help of credit card or UPI. Interest free amount will be available for 45 days on payment by credit card. 

ITR file not possible

The new feature of PhonePe only gives the facility to pay tax, it cannot file ITR. Taxpayers have to follow another process for ITR filing. 

How to pay income tax through PhonePe 

• Open the PhonePe app available on Android and iPhone. 
• Click on the option ‘Income tax’ given on the app.
• Select its tax type, assessment year and PAN card details.   
• After this enter the total tax amount, then select the payment mode. 
• Once the payment is made, it will be credited on the tax portal within two working days.  

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It is noteworthy that UPI Lite was launched in September 2022 by Reserve Bank of India (RBI) Governor Shaktikanta Das to make low-value UPI payments faster and easier. Through UPI Lite, you will be able to easily do many small daily transactions with a single click.

No PIN required for transactions up to Rs.200

UPI Lite Wallet allows users to make instant transactions up to Rs.200 once loaded. No PIN will be required for transactions up to Rs.200. This will make the payment process easier and faster. In this, a maximum of 2 thousand rupees can be added at a time. You can spend a maximum of Rs 4,000 through UPI Lite in 24 hours.

How to activate UPI Lite feature in Google Pay

• Open the Google Pay app
• Click on your profile picture in the top right corner of the app’s home screen.
• After this click on UPI Lite Pay Pin Free and follow the instructions.
• To add money, select an eligible bank bank account that supports UPI Lite.
• The UPI Lite account will be activated successfully as soon as you enter the UPI PIN.
• It is worth noting that you can create only one UPI Lite account on Google Pay.

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Online payments have become a convenient option to send money instead of standing in long queues at bank branches or ATMs while digital payments through Unified Payments Interface (UPI) are convenient and easy, though at times prone to errors Because wrong UPI ID or account number can lead to wrong transaction.

There are two common problems many people often face while making transfers online through UPI Payments – wrong amount transfer or transfer amount to the wrong person. However, in such cases one need not panic as the money can be easily obtained.

In case of wrong online payment, all you have to do is call the customer care of payment platforms like GPay, PhonePe, Paytm UPI. Register a complaint by sharing transaction details. In addition to this, you will also have to file a complaint with your bank.

Make a complaint

RBI guidelines state that in case of erroneous payment, the money can be refunded within 48 hours of the complaint. It is important to note that the complaint should be lodged within 3 days of the transaction. Similarly, whenever a payment is made to a wrong bank account through UPI or net banking, the first step is to call the number provided by the government or RBI and lodge a complaint.

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Give all the information, after that go to the concerned bank and fill a form, which has all the information. If the bank refuses to help, complain to the Ombudsman of the Reserve Bank of Indiabankingombudsman.rbi.org.in Do it.

Remember not to delete the transaction message from the phone as it contains the PPBL number which is required at the time of complaint. Do not forget to mention this number in the complaint form along with all other details and your complaint.

Be careful

In addition, you can also file a complaint about erroneous transactions through the website of the National Payments Corporation of India (NPCI), the body created by the Reserve Bank of India that provides UPI services. Always remember to be careful while entering the recipient’s UPI ID, their phone number, the amount being transferred and the UPI PIN of your account.

If any of these go wrong, you could end up sending the wrong amount to the recipient or the right amount to the wrong person and unnecessarily lose money. It is common to make a mistake while making a hasty payment, so avoid it at all costs.

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now users can easily make payments of up to Rs 200 without entering the UPI PIN. Recently, digital payment and financial services company Paytm also started this feature.

Rahul Chari, Co-Founder and Chief Technology Officer, PhonePe, said, “UPI Lite is a core part of the UPI Stack offering, with a vision to enhance users’ digital payments experience for frequent and low-ticket-sized spends. Is. Overall UPI payments have a significant volume of small transactions and UPI Lite will make them faster and more convenient without putting pressure on the existing UPI infrastructure.”

Features of UPI Lite feature

UPI Lite was launched in September 2022 by Reserve Bank of India (RBI) Governor Shaktikanta Das to make low-value UPI payments faster and easier. Through UPI Lite, you will be able to easily do many small daily transactions with a single click. UPI Lite Wallet allows users to make instant transactions up to Rs.200, once loaded. No PIN will be required for transactions up to Rs.200. This will make the payment process easier and faster. In this, a maximum of 2 thousand rupees can be added at a time.

How to activate UPI Lite feature in PhonePe?

• Open PhonePe app
• On the home screen of the app, users will get the option to enable UPI Lite.
• Users can select the bank account to be linked in UPI Lite by entering the amount.
• The UPI Lite account will be activated successfully as soon as you enter the UPI PIN.

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In this series, now the service of paying electricity bills through WhatsApp has also been started. Now people will get a lot of convenience with this facility. Earlier, people had to stand in long queues outside the office to pay the electricity bill. But now you will be able to pay your electricity bill directly through WhatsApp as well.

You can pay electricity bill through WhatsApp

This facility of paying electricity bill through WhatsApp has been started in Madhya Pradesh. The Electricity Distribution Company of Madhya Pradesh has told that with the introduction of this facility, it will be very easy for the customers to pay the bill. Let us now also know that how you can pay your electricity bill through WhatsApp.

This is how you can pay electricity bill through WhatsApp

According to media reports, the official of the Central Region Power Distribution Company has informed that this step has been taken in the direction of convenient and secure payment by promoting digital means of electricity bill payment. Now people will be able to pay their bills through WhatsApp as well.

People will be able to pay their electricity bills easily from the comfort of their homes through the WhatsApp-pay payment feature. Consumers can link it to their bank account using their existing WhatsApp account. On the other hand, consumers who do not have the facility of WhatsApp-pay can also pay their electricity bills through UPI apps like Google Pay, PhonePe or Paytm.

This number has to be saved

You do not need to do any kind of registration to pay electricity bill through WhatsApp . You just need to save a toll free number 07552551222 and start chatting on it. You will then get a guideline to complete the payment using the View & Pay Bill option. After the payment is completed, you will also get its verification message.

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But now scammers have found a way to dupe Google Pay and PhonePe users. Cybercriminals have looted around Rs 1 crore from 18 people in Mumbai in the last 16 days with the help of PhonePe and Google Pay fraud.

New type of fraud came in the market

According to media report, Till now people were made victims of fraud on the basis of KYC, PAN scan. But now a new type of bank fraud has emerged in the market, in which cybercriminals deliberately send money to your Google Pay or phone account. Then calls and says that money has been transferred to your account by mistake. In this way, you return the money by coming under his guise and then become a victim of hacking.

How account gets hacked

If you believe in cyber experts, then this is a kind of malware, in which some money is sent to you, then it is said to return the money by saying that it has been transferred by mistake. As soon as you withdraw the money, your Google Pay and PhonePe account gets hacked. It is a mix of human engineering and malware.

Antivirus is out of reach

Actually when a Google Pay or PhonePe user transfers funds, then his entire data like banking KYC document, PAN, Aadhaar card details get transferred. These documents are sufficient to hack any account. In this way you become a victim of bank fraud. According to experts, anti-malware software is not able to catch new malware due to the mix of human engineering and malware fishing plus. Thus it easily bypasses Google Pay and PhonePe safeguards.

Disclaimer
Talking about this news, some experts and UPI apps say that this is not possible, because when a user links his bank account to a UPI app, the bank does not share any KY information with the UPI app. In such a situation, personal data such as KYC cannot be hacked from the UPI app. So there is no problem with PhonePe and Google Pay UPI app. When money is transacted through the UPI app, only the receiver amount and the sender’s UTR number are shared.

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This feature will be very useful in making instant payments. However, the transaction limit can be up to Rs.200 only. It has been claimed in the report that both the companies are in the advanced stage of integrating UPI Lite. The Economic Times has reported about this quoting the source.

Paytm can bring service first

It has been claimed in the report that first Paytm will release UPI Lite service for its app within a month. After this PhonePe will also introduce this service. If this happens, Paytm will become the first third-party app to issue UPI Lite service.

You will get benefit in small transactions

Apart from this, it has also been told in the report that Fintech company Slice is also working to release UPI Lite service on its platform. With this, young customers can complete small amount transactions.

Let us tell you that the UPI Lite service was launched by the Reserve Bank of India last year. This allows users to transfer even low value amounts without internet or UPI PIN authentication. Payment up to Rs 200 has been authorized through the wallet.

NPCI had said in March last year that about 50 percent of the total UPI transactions are of Rs 200 or less. Its integration into third-party platforms will make such transactions much easier. Nothing has been said about this from both the companies.

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The company said in a statement that PhonePe users will be able to make payments in foreign currency directly from their Indian bank. This payment will be done in the same way as it is done with an international debit card. The company providing digital payment facility has currently introduced this service for five new countries.

In which countries the service is offered

PhonePe has implemented international payment service in UAE, Singapore, Mauritius, Nepal and Bhutan. This service is the QR code of all international merchant outlets. PhonePe is the first fintech app to launch this feature in India. Please tell that the company has more than 435 million registered users.

Foreign currency will not be needed

If someone goes abroad from India, then he has to use the currency of that country to make payment, but now using PhonePe’s ‘UPI International’ service, he can pay in five countries. For this you will not need to convert Indian currency.

plans to expand to other countries

PhonePe CTO and co-founder Rahul Chari said that in the coming time this service will be extended to other countries as well. The company has plans to bring it to more countries. Also contacted traders in that area. He said that this facility will prove to be a game changer.

Foreign tourists will be helped

If you have gone on a tour in UAE, Singapore, Mauritius, Nepal and Bhutan, then you can easily buy things with the UPI international service of PhonePe. Even if you do not have foreign currency, you can buy things according to your convenience.

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Now the Ministry of Finance has given relief information. The ministry said that the government is not considering levying any charge on the UPI payment service.

The Finance Ministry tweeted, “UPI is one such digital platform which is highly convenient for the public and has a major contribution to the economy. No charges are being considered for the UPI payment service. Other options will be considered for cost recovery for service providers.”

UPI is a digital public good with immense convenience for the public & productivity gains for the economy. There is no consideration in Govt to levy any charges for UPI services. The concerns of the service providers for cost recovery have to be met through other means. (1/2)

— Ministry of Finance (@FinMinIndia) August 21, 2022

What is UPI
Let us tell you that UPI is a real time payment system, which allows instant transfer of money from one bank account to another bank account. The special thing is that you can transfer money through UPI anytime, night or day.

How UPI System of Money Transfer Works Using the UPI facility is quite easy. For this, you have to download any UPI app like Paytm, PhonePe, Google Pay, BHIM etc. in your mobile. You can use this system by linking your bank account with the UPI app. Through UPI, you can link one bank account with multiple UPI apps. At the same time, multiple bank accounts can be operated through one UPI app.

The post FREE UPI service: Big News! Finance Ministry issued a new order regarding UPI Charges, UPI service will be free, Check details Immediately first appeared on Rightsofemployees.com.

All companies like Google Pay (GPay), Phone Pay (PhonePe), Amazon Pay (Amazon Pay) and Paytm (Paytm) have fixed the limit for doing transactions every day, which will affect crores of UPI users in the country. Information has been given by issuing a notification in this regard from NPCI.

Check how much transaction can be done every day?

According to the guidelines of the National Payment Corporation of India, now you can transact only up to Rs 1 lakh per day through UPI. At the same time, some small banks have fixed this limit up to 25,000. Let’s check now through which app how much transaction you can do every day.

What is the limit of Amazon Pay?

Amazon Pay has fixed the maximum limit for payment through UPI at Rs 1,00,000. After registering on Amazon Pay UPI, the user can transact only up to Rs 5000 in the first 24 hours. At the same time, on the basis of the bank, the number of transactions has been fixed at 20 every day.

Paytm also fixed the limit

Paytm UPI has fixed a limit of up to Rs 1 lakh for the users. Along with this, Paytm has also transferred the limit per hour. Paytm has told that now you can do only Rs 20,000 transactions every hour. Apart from this, 5 transactions can be done per hour and only 20 transactions can be done in a day.

What is the limit of PhonePe?

PhonePe has set a daily UPI transaction limit of Rs 1,00,000. In addition, a person can do a maximum of 10 or 20 transactions per day through PhonePe UPI, depending on the bank’s guidelines.

Only 10 transactions can be done with Google Pay

Google Pay or GPay has set a total limit of 10 transactions across all UPI apps and bank accounts. Users will be able to do only 10 transactions in a day. With this, you will be able to do transactions up to one lakh rupees per day.

There is no fixed hourly limit in these apps.

Let us tell you that no hourly limit has been fixed on Google Pay and Phone Pay. However, if any person sends you money request of more than Rs 2000 through this app, then the app will halt it.

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How easy has the UPI Payment System made the life of common people. Be it making payments to the vegetable vendor on the roadside or at the showroom of fashionable brands in the mall, UPI is well-liked everywhere. But do you know that the transaction limit (UPI Transaction Limit) is fixed on different UPI payment apps like Paytm , GPay and PhonePe . Know what is the limit on which app…

UPI payment limit

Bank 2 Bank real time transfer takes place in the UPI payment system . That’s why different banks have fixed different daily limits for this. According to the guidelines of the National Payment Corporation of India (NPCI) , a transaction of Rs 1 lakh can be done every day from UPI. Although some small banks have fixed its limit up to Rs 25,000.

Hourly limit on Paytm

Paytm app is very popular among people for UPI payment. The daily maximum limit of UPI payment on this app (UPI Daily Transfer Limit) is Rs 1 lakh only. At the same time, you can do maximum 20 UPI transactions with this app in a day. But the UPI payment limit on Paytm also varies according to the hour.

You cannot transfer more than Rs 20,000 on Paytm within 1 hour. At the same time, every hour you can do only a maximum of 5 UPI transactions with this app.

UPI payment on PhonePe, GPay

Apart from Paytm, apps like PhonePe and Google Pay are also popular among people for UPI payment. The daily transfer limit on these too is Rs 1 lakh. While GPay offers the facility of 10 transactions in a day, while on PhonePe this limit is up to 10 or 20 depending on the bank.

There is no hourly limit on both these apps. But one special thing is that if a person sends you a money request of more than Rs 2,000 on these apps, then these apps halt it.

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Now the Ministry of Finance has given relief information. The ministry said that the government is not considering levying any charge on the UPI payment service.

The Finance Ministry tweeted, “UPI is one such digital platform which is highly convenient for the public and has a major contribution to the economy. No charges are being considered for the UPI payment service. Other options will be considered for cost recovery for service providers.”

UPI is a digital public good with immense convenience for the public & productivity gains for the economy. There is no consideration in Govt to levy any charges for UPI services. The concerns of the service providers for cost recovery have to be met through other means. (1/2)

— Ministry of Finance (@FinMinIndia) August 21, 2022

What is UPI
Let us tell you that UPI is a real time payment system, which allows instant transfer of money from one bank account to another bank account. The special thing is that you can transfer money through UPI anytime, night or day.

How UPI System of Money Transfer Works Using the UPI facility is quite easy. For this, you have to download any UPI app like Paytm, PhonePe, Google Pay, BHIM etc. in your mobile. You can use this system by linking your bank account with the UPI app. Through UPI, you can link one bank account with multiple UPI apps. At the same time, multiple bank accounts can be operated through one UPI app.

The post Finance Ministry issued a new order regarding UPI Charges, UPI service will be free, Check details Immediately first appeared on Rightsofemployees.com.

Proposal to fix 30 percent transaction limit for TPAP

At present there is no transaction limit (Volume Cap). In such a situation, the market share of two companies Google Pay and PhonePe has increased to about 80 percent. In November 2022, NPCI had proposed to fix 30 per cent transaction limit for TPAP to avoid monopoly risk.

In this regard, sources said that a meeting was called to comprehensively consider all aspects. According to the news agency PTI, apart from the officials of NPCI, senior officials of Finance Ministry and RBI also participated in this meeting.

Decision on implementation of UPI Market Cap possible by the end of November
Sources said that at present NPCI is evaluating all possibilities and no final decision has been taken on extending the deadline of December 31. He said that NPCI has received requests from the stakeholders of the industry to extend the deadline and they are being examined. According to sources, NPCI may decide on the matter of implementing UPI Market Cap by the end of this month.

What is UPI

Let us tell you that UPI is a real time payment system, which can transfer money to bank account instantly through mobile app. Through UPI, you can link one bank account with multiple UPI apps. At the same time, many bank accounts can be operated through one UPI app. The special thing is that UPI gives you the facility of money transfer even if you have only one of these information like scanner, mobile number, UPI ID.

Now RuPay Credit Card can be linked with BHIM App Recently Rupay Credit Card on UPI facility has been started. Now you will be able to pay with a credit card by scanning the UPI QR Code at the neighborhood grocery store. However, through RuPay Credit Card, you can make payment only to Merchant UPI QR code. At present you can link RuPay credit card of some banks on BHIM app.

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For which Aadhaar based UPI payment service has been allowed. After the relaxation from RBI and NPCI, PhonePe has started a new Aadhaar based OTP service, through which UPI can be activated.

PhonePe becomes the first Aadhaar based UPI

PhonePe claims that it is the world’s first platform with Aadhaar based UPI service. The company claims that after the Aadhaar based UPI service, the number of new users making online payments will increase. Let us tell you that till now Debit card was required to use UPI service. But after Aadhaar based authentication, the hassle of Debit card will be over.

It is worth noting that a large population of the country does not have a debit card, who are not able to use the UPI service. Aadhaar based UPI service can prove to be very beneficial for such people.

How customers will benefit

In the current model of UPI, a Debit Card is required for the UPI PIN during the UPI registration process for each and every user. But as it is known that there are a large number of bank account holders who do not have debit cards. For these, Aadhaar based e-KYC can be done through the new service of PhonePe.

For this, you have to enter the 6 digit number of Aadhaar on the PhonePe App. After this you will receive OTP from UIDAI. After this your bank will complete the authentication process. After this, users will be able to do all the services of UPI payment such as payment check and bank balance check.

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Now the Ministry of Finance has given relief information. The ministry said that the government is not considering levying any charge on the UPI payment service.

The Finance Ministry tweeted, “UPI is one such digital platform which is highly convenient for the public and has a major contribution to the economy. No charges are being considered for the UPI payment service. Other options will be considered for cost recovery for service providers.”

UPI is a digital public good with immense convenience for the public & productivity gains for the economy. There is no consideration in Govt to levy any charges for UPI services. The concerns of the service providers for cost recovery have to be met through other means. (1/2)

— Ministry of Finance (@FinMinIndia) August 21, 2022

What is UPI
Let us tell you that UPI is a real time payment system, which allows instant transfer of money from one bank account to another bank account. The special thing is that you can transfer money through UPI anytime, night or day.

How UPI System of Money Transfer Works Using the UPI facility is quite easy. For this, you have to download any UPI app like Paytm, PhonePe, Google Pay, BHIM etc. in your mobile. You can use this system by linking your bank account with the UPI app. Through UPI, you can link one bank account with multiple UPI apps. At the same time, multiple bank accounts can be operated through one UPI app.

The post UPI Payment Charges: Big News! Finance Ministry issued a new order regarding UPI Charges, UPI service will be free, Check details Immediately first appeared on Rightsofemployees.com.

The Finance Ministry tweeted, “UPI is one such digital platform which is highly convenient for the public and has a major contribution to the economy. No charges are being considered for the UPI payment service. Other options will be considered for cost recovery for service providers.”

UPI is a digital public good with immense convenience for the public & productivity gains for the economy. There is no consideration in Govt to levy any charges for UPI services. The concerns of the service providers for cost recovery have to be met through other means. (1/2)

— Ministry of Finance (@FinMinIndia) August 21, 2022

What is UPI
Let us tell you that UPI is a real time payment system, which allows instant transfer of money from one bank account to another bank account. The special thing is that you can transfer money through UPI anytime, night or day.

How UPI System of Money Transfer Works Using the UPI facility is quite easy. For this, you have to download any UPI app like Paytm, PhonePe, Google Pay, BHIM etc. in your mobile. You can use this system by linking your bank account with the UPI app. Through UPI, you can link one bank account with multiple UPI apps. At the same time, multiple bank accounts can be operated through one UPI app.

The post Charges on UPI Payment: Finance Ministry issued a new order regarding UPI Charges, UPI service will be free, Check details Immediately first appeared on Rightsofemployees.com.

Not only this, scanner facility has also become available in all the shops. In such a situation, have you ever thought that you go somewhere to buy something and suddenly your internet may deceive you, you may not even have enough cash to pay. In such a situation, today we will tell you some such tips and tricks, with the help of which you can send money to anyone through UPI without internet connectivity.

Make UPI payment without internet

In today’s youth, the trend of UPI based payment service like Google Pay, PhonePe, Paytm has increased a lot. People have started keeping UPI instead of wallet. However, it is very important to have internet to use these UPI best software. Sometimes there is no internet in many places, or the signal is weak. In such a situation, making online payment becomes difficult. But through a trick, you can make UPI payments through many platforms on smartphones without internet.

Make offline payment by dialing this number

First, you need to dial *99#, also known as USSD service. The USSD service is a service originally launched in India by the National Payments Corporation of India (NPCI) in November 2021 for all mobile users including non-smartphone users, before the launch of the UPI network in the country.

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