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Axis Pay UPI App

Just use your UPI ID to send/receive money instantly and securely.

android   ios

About Axis Pay

Features

How Axis Pay works

FAQs

Axis Pay is an app with which you can send/receive money using any bank’s account, instantly using just a VPA / UPI ID. It works on Unified Payments Interface (UPI) which allows users to transfer money instantly without knowing the sender’s or receiver’s bank details. The money can be transferred by simply using VPA/ UPI ID.
A VPA/ UPI ID is an identifier which you create and link any of your bank accounts to make secure payments. The VPA/ UPI ID can be yourname@axisbank or mobilenumber@axisbank etc which is easy to remember.
Yes. All VPA/ UPI ID created in Axis Pay are suffixed with @axisbank
The ID is unique to an individual. If the ID preferred by you has already been taken by someone else, you will have to create an alternate unique ID, which is easy to remember.
UPI stands for Unified Payments Interface (UPI) which is platform provided by NPCI to facilitate inter-operability amongst various banks. It’s a one stop solution for multiple bank accounts , one app. It allows all account holders to send and receive money using their smartphones with a single identifier – virtual payments address( VPA)/ UPI ID – without entering any bank account information. Therefore, customers do not need to know the payee's or payer’s IFS Code ode, bank account details, etc. and this makes the process simpler.
A VPA/ UPI ID can be alphabetical, numeric or alphanumeric. It should be between 4-20 characters. It cannot contain any special characters (*,#,@ etc.) except dot(.) and hyphen(-) which are permissible. Your ID should be easy to remember such as yourname@axisbank or mobilenumber@axisbank
When you add the receiver’s VPA/ UPI ID to send money, you can click on the “verify” button to get the complete name of the receiver as per his bank records.
Axis Pay can be used by both Axis Bank and other bank customers.
The Axis Pay app allows you to Send or Ask for money using VPA/ UPI ID. You can link any bank account to the VPA/ UPI ID to send or receive money. Both Axis Bank and other Bank customers can also check their account balance on the app.
No. The same features are available to both Axis Bank and other bank customers.
Axis Pay UPI app is available on Android and iOS only.
Axis Pay is available free of charge. You can download and use this application as and when you need to without any charges levied by the Bank. Your mobile operator may levy charges for GPRS/SMS used. Please check with your operator for details.
The actual download time depends on the speed of data connectivity offered by your mobile operator or internet provider.
No. Axis Pay is user specific. It requires a 6 digit passcode to login to the app. For security reasons, you are requested not to share your Axis Pay Passcode with anyone.
  • Download the Axis Pay app from Google Play Store or Apple Store
  • Auto SMS is sent from your mobile phone to Axis Pay. In case your phone has a dual SIM, select the preferred phone number registered with your bank.
  • Set a profile name and a unique 6 digit passcode for yourself
  • Select your preferred bank from the list
  • Create a unique Virtual Payment Address (VPA)/ UPI ID for the selected account
  • Verify the selected account using your Debit Card credentials and OTP
  • Set UPI PIN for the account. Use this UPI PIN for sending money to other Virtual Addresses (VPA)/ UPI ID
  • Yes, you will have to download the app & register your details again.
    The appearance of Axis Pay may differ slightly on different phones, however, its functions and operations will remain the same, irrespective of the mobile handset being used.
    In case you download and register on Axis Pay using a new device, Axis Pay installed on the old device automatically gets deactivated.
    • Download the Axis Pay app from Google Play Store or Apple Store
    • A SMS will be automatically sent from your mobile phone to Axis Pay. In case your phone has a dual SIM, select the phone number registered with your bank.
    • Set a profile name and a unique 6 digit passcode
    • Select your preferred bank from the list
    • Create a UPI ID for the selected account
    • Verify the selected account using your Debit Card credentials and OTP. This is a one-time requirement.
    • Set PIN for the account. Use this PIN for sending money to other VPA/ UPI ID’s

    This happens in the following scenarios:

    • The verification SMS has not been sent from the device
    • Network error
    • The device does not have a SIM.

    Please ensure that your phone has data connectivity. If the problem persists, please delete the application, download and try again

    You can simply reconnect to Axis Pay and verify your transaction history to check if the transaction has been executed before initiating a fresh transaction
    Yes, as long as you have GPRS activated on your mobile number, subject to availability of the network, you can access Axis Pay anywhere in the country. Please keep in mind that you might be charged special roaming rates for using GPRS
    You will have to download the application again from the Google Playstore or Apple Store and register
    Yes, you can add any bank account in Axis Pay. The bank should be enabled on UPI
    The maximum transaction limit for every fund transfer transaction in Axis Pay is Rs 1,00,000 (One lakh )
    No, you cannot send money without setting a PIN for a particular bank account
    The money will be debited instantly from your account
    Yes, you can set the expiry time. You can set an expiry time from 1 day to 45 days, from the date of initiation of the transaction
    You can see your past transactions under 'Transaction Status ( older versions of the Axis Pay app) or My Transaction' available on the side menu of your app
    You will find an option to raise your query for a transaction under the ‘Transaction Status(older version of the Axis Pay app) or My Transaction’ option available in the side menu.
    Yes, you can transfer money using your account number and IFSC of the beneficiary, in case you do not have a unique ID of the beneficiary. However, sender /payer has to have a UPI ID while sending money through Axis Pay.
    There is no limit to the number of accounts that can be added for receiving money.
    Axis Pay allows all transactions to be at least 2 Factor Authenticated, making it completely safe and secure. Apart from this all your financial transactions have a daily transaction limit.
    It’s a simple 3 step process to start using Axis Pay.
    • Download and Register on Axis Pay
    • Add any bank account and set a UPI ID
    • Verify your account and set a PIN
    • After this, you are all set to send and receive money using Axis Pay.
    No, the other party i.e. a receiver or sender need not be on Axis Pay. The other party can use any Bank’s UPI enabled application
    You can use Axis Pay for sending or receiving money between people
    Yes, you can receive money on your VPA/ UPI ID without setting PIN for the account linked to the VPA/ UPI ID
    You can reset your UPI PIN using “FORGOT UPI PIN” feature in the app. The PIN changed in this app will change the PIN in all the UPI apps where this account is linked.
    You can change the MPIN for your account using “CHANGE MPIN” feature of the app. To do the same, go to menu and select “manage accounts ( old version of the Axis Pay app) or My Accounts”
    6 digit passcode is the app level password which you need to login to the app.
    No, UPI PIN is set for each bank account that you link in Axis Pay. You would need UPI PIN to authorize any transaction. Passcode is app level password which you set at the time of registration to login to the app. For Axis account, you would have to set 6 digit UPI PIN. It need not be same as 6 digit passcode
    All transactions on UPI are authenticated by 2 factor authentication. Debit transaction can only be initiated through your VPA/ UPI ID on your device and it requires an UPI PIN to authenticate the transaction. Regulated by NPCI. User shares his VPA/ UPI ID only instead of sensitive information like account details, IFS Code etc
    There is no concept of loading in UPI. It’s direct account to account transfer using VPA/ UPI ID. No txn charges on Axis Pay. Wallets usually charge anything between 1 to 4 % for reversal of money from wallet to account. In UPI, money resides within the account itself, hence no scope of reversal as well as loading. Daily txn limit is 1 lakh which is higher than any wallet and is Inter-operable across any UPI app. A particular wallet wallet is not inter-operable with any other. Sender and receiver party have to have same wallet to transfer funds. Through UPI, sender and receiving party can choose to have any UPI app available today.
    As the ecosystem of UPI progresses, it has the potential to replace cards as well as cash
    Transaction on Axis Pay UPI app is free of charge
    As part of Axis Bank's Initiative towards digitization, a default VPA/ UPI ID has been created for all Mobile Banking customers of Axis Bank. You can edit/delete your pre-generated VPA/ UPI by following the below mentioned process:
    Process to be followed in case you are using an older version of Axis Pay UPI app.
    • Select “Manage accounts” in the side menu
    • Do a long press on the existing linked account containing pre-generated VPA/ UPI ID
    • Delete option would appear, click on delete
    • Now click on '+' sign and select Axis Bank
    • Account along with pre-generated VPA/ UPI ID will be automatically fetched
    • Click on the "VPA field" and do a backspace to delete the existing pre-generated VPA/ UPI ID and set a new VPA / UPI ID of your choice
    Process to be followed in case you are using a latest version of Axis Pay UPI app.
    • Select “My Account” in the side menu
    • Delete the existing linked account containing pre-generated VPA/ UPI ID
    • Now click on the '+' sign and select Axis Bank
    • Account will be fetched with ‘Set UPI ID’ option
    • Click on the "Set UPI ID" and set a new UPI ID of your choice
    You can generate your customized QR code using the "My QR code" feature in the older version of the Axis Pay UPI app or through the ‘Generate QR Code’ option available in the latest version of Axis Pay UPI app. In the latest version of the Axis Pay UPI app, you can also generate the QR code from the pre-login page.
    You can scan any UPI QR codes using "Scan & Pay" option available on the Axis Pay UPI app. .
    Select Recharge option, and then select mobile recharge option. Enter mobile number, select the operator, enter amount, Select Debit Account and enter the UPI PIN. Your prepaid mobile will be recharged.
    Yes, you can use this service even if the service provider has changed using number portability. Please enter your new mobile operator and other details and submit.
    You can do a maximum recharge of Rs. 2000 through the app for a mobile number. Three successful recharges can be processed for the same Mobile Number per day. The overall recharge limit (Prepaid Mobile, DTH recharge) per account would be Rs. 5000 per day.
    Maximum recharge amount is Rs 3000 per subscriber ID. Please check with the service provider for various recharge options available for DTH. Total three transactions can be processed for the same DTH number per day. The overall SMS recharge limit (Prepaid Mobile, DTH) per account would be Rs. 5000 per day.
    This facility is free of cost by Axis Bank. Charges may be applied by the mobile/DTH operator.
    For Recharge you can use any bank account enabled on UPI that is linked to your Axis Pay UPI app.
    While doing Recharge, account is debited immediately. If you have entered an invalid number/ postpaid number, the amount will be credited back to your account within 4 working days.
    You have to be careful while entering the mobile number / DTH subscriber ID for recharge. In case a wrong mobile number/ DTH subscriber ID has been recharged by mistake, the amount will not be reversed to your account.
    This could be due to various reasons like
        • Recharge denomination not available
        • Postpaid mobile number ( in case of mobile recharge)
        • Operator system not available

    In case your recharge is unsuccessful, the amount will be credited back to your account within 4 working days. Please check your account statement before reinitiating the transaction to ensure duplicate request is not processed.

    Click here for terms & conditions

    Click here for terms & conditions of 50% cashback on movie booking on PVR Cinemas website via Axis Pay UPI App

    Click here for terms & conditions of Transaction Build-Up Cashback Campaign Offer on Axis Pay UPI App

    Click here for terms & conditions of 20% cashback on your First Recharge via Axis Pay UPI App.

    Click here for terms and conditions of UPI Rs. 50 Cash Back - offer on first transaction for Axis Pay & Axis Mobile Apps.

    Click here for terms & conditions of Samsung Pay Mini App UPI Cashback Offer.

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