BHIM Axis Pay UPI App

BHIM Axis Pay is a UPI App with which you can send or receive
money securely & instantly with your UPI ID

BHIM Axis Pay is a UPI App with which you can send or receive money securely & instantly with your UPI ID

About Axis Pay UPI App

The BHIM Axis Pay UPI (Unified Payment Interface) App is an easy to use app with which you can link any bank account to your UPI Id and send or receive payments instantly and securely. Be it your mobile recharge, monthly payments to utilities and staples or your child’s tuition fees, Axis Pay ensures that payments are simple and secure.

About BHIM Axis Pay UPI App

Unified Payments Interface (UPI) is a platform provided by the National Payments Corporation of India (NPCI) to facilitate inter-operability amongst various banks. It’s a one-stop solution for multiple bank accounts. It allows all account holders to send and receive money using their smartphones a single identifier – virtual payments address (VPA) commonly known as UPI ID – without entering any bank account information. Therefore, customers do not need to know the payee's or payer’s IFS code, bank account details, etc. and this makes the process simpler. So customers can make faster payments to their peers and merchants.

Our UPI services for customers (peer–to peer and peer-to-merchant payments) are present across various platforms, including:

BHIM Axis Pay
Axis Mobile
Google Pay
Amazon
Uber
Ola
Freecharge

How to Use the Axis Mobile Pay App?

Download the Axis Pay UPI App from Google Play Store or Apple Store.
Select your Bank and Bank account.
Create a Virtual Payment Address ( VPA)/ UPI ID (example – name@axisbank).
Link your Bank account to UPI ID.
Send & receive secure payments instantly
Recharge your prepaid mobile & DTH through Axis Pay

How to avail an Instant Neo Credit Card on Axis Pay?

How to Avail 24x7 Loans on BHIM Axis Pay?

How to apply for a Zero Balance Axis A/C?

Is UPI Secure?

What are the charges applicable for UPI?

What is a Virtual Payment Address (VPA)/ UPI ID?

A virtual payment address (VPA)/UPI ID is a unique Id linked to your account. This unique ID is set by you and must generally be easy to remember; e.g. yourname@axisbank.
VPA / UPI ID can be used instead of Account & IFSC to transfer funds.

How is UPI different from Mobile Wallets?

UPI enables users to send money directly from their accounts and receive money into their accounts. There is no hassle of loading wallets or transferring money from a wallet back into the account or incurrence of additional fees.
To know Difference between NEFT, and UPI, click here.

What is a UPI Mandate?

A UPI Mandate can pre-authorise (Mandate) a transaction for debit from your bank account later. UPI mandate is to be used in scenarios where money is to be transferred later, however the commitment towards that is to be done now. It is possible that the sender may forget to send money later, so he/she creates a mandate or for a service/merchant payment wherein this functionality may be required. The customer's account shall get debited when the mandate is executed. UPI mandate can be executed only once.

What safety measures are to be taken while interacting on UPI?

Be cautious of money requests from unknown senders as accepting a UPI money request is a debit to your account. Only accept requests from known senders and verified merchants.
Never share your card number, CVV, expiry date, OTP and PIN numbers.
Beware of Mobile screen sharing apps used for remote access, like Anydesk: and de-activate them while transacting on any UPI App
Do not share or forward any SMS from the Apps. This SMS may contain information regarding registration of your account on another device.

For more safe banking practices, Please click here

Parameters	NEFT	IMPS	UPI
Transaction initiation point	Must be initiated from the Sender/Remitter bank's app	Must be initiated from the Sender/Remitter bank's app	Can be initiated from any bank's UPI app to debit the chosen Sender/Remitter bank account
Types of transfers possible	Only push transfers or payment transactions possible	Only push transfers or payment transactions possible	Both push & pull transfers possible i.e. both Payment & Collect transactions possible
Beneficiary details needed	Need Beneficiary bank account details such as IFS code & Account Number	Need Beneficiary Mobile phone number and the MMID for the specific account or Account Number and IFC Code	Need only the Beneficiary UPI ID!
Beneficiary addition	Pre-addition & bank approval of NEFT Beneficiary needed before transfer can be done	Pre-addition & bank approval of IMPS Beneficiary needed before transfer can be done(except for a few banks)	No pre-addition or approval of Beneficiary required;one can simply transfer to Beneficiary UPI ID
Complexity of transfer details	The IFS Codes being bank & branch specific are particularly inconvenient to use	The MMIDs being bank issued & different for each account, are difficult to remember The IFS Codes being bank & branch specific are particularly inconvenient to use	The UPI ID is user-generated,so easy to remember!
Speed of transfer	Batch processed at pre-set NEFT timings	Instantaneous,real-time	Instantaneous,real-time
2FA(Two factor Authentication)	First factor: Bank specific Internet/Mobile Banking Login ID & password	First factor: Bank specific Internet/Mobile Banking Login ID & password	First factor: First factor is device hardbinding where device ID and SIM(mobile number) combination is stored. User can use UPI app installed only from his device which has his registered mobile number with bank
2FA(Two factor Authentication)	Second Factor: OTP and/or Transaction Password/Debit Card Grid	Second Factor: OTP and/or Transaction Password/Debit Card Grid	Second Factor: A user selected 4- or 6-digit M-PIN;no more waiting for OTP or fetching your Debit Card for grid values!
Per transaction limit	Rs 10 lakhs	Rs 10,000 using MMID and mobile Number;higher for transfers using IFS Code & Account number	Currently Rs 1 lakh

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in 11 regional languages

Important Links

Safe Banking Practices

Contact Axis Bank

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Progress with us Blog

How do I transfer money to another person who doesn’t have an Axis Bank account?

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About Axis Pay UPI App

About BHIM Axis Pay UPI App

Banking made easy without Internetin 11 regional languages

Important Links

Safe Banking Practices

Contact Axis Bank

Progress with us Blog

How do I transfer money to another person who doesn’t have an Axis Bank account?

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Banking made easy without Internet
in 11 regional languages