MUMBAI: Paytm (One97 Communications Limited), India’s leading payments and financial services distribution company and the pioneer of mobile payments, QR codes, and Soundbox, has introduced personalized UPI IDs, enhancing privacy and offering a more flexible way to make mobile payments. This advancement reflects the company’s commitment to simplifying and securing everyday digital payments.

The new offering allows selection of personalized UPI IDs such as name@ptyes or name@ptaxis, enabling individuals to send and receive money without revealing their mobile numbers. It is currently live on handles issued by Yes Bank and Axis Bank and will be extended to other banking partners shortly.

Whether you’re paying a shopkeeper, settling up with a delivery executive, or transferring money to a new vendor, Paytm remains India’s most trusted and secure way to pay. With personalized UPI IDs, Paytm now offers even greater privacy. When a user sends or receives money using their personalized UPI ID, their mobile number stays hidden from the transaction details. This protects personal information while still allowing individuals to create a unique and easily recognizable payment identity. It’s a seamless experience, built for trust, security, and everyday convenience.

Paytm Spokesperson said, “We have introduced personalized UPI IDs to offer more choice and privacy in payments. We heard the feedback from our customers who wanted to keep their mobile numbers private, and built this solution to address that need. We remain committed to developing thoughtful innovations that make payments safer and more convenient for all.”

To create a personalized UPI ID on the Paytm app:

• Open the Paytm app
• Tap on the profile icon and go to ‘UPI Settings’
• Select ‘Manage UPI ID’ and choose a personalised ID
• Confirm and activate the new UPI ID as the primary UPI ID to be used for payments

Paytm has introduced seven other key innovations to make mobile payments safer, smarter, and more trusted. These include: (1) the ability to hide or unhide payments for enhanced privacy, (2) Automatic categorization of spends & monthly spend summary to help track and manage expenses, (3) Receive Money widget for quick access to incoming payments on the mobile homescreen (4) Scan and Pay widget on the mobile home screen for faster payments, (5) auto top-up for Paytm UPI Lite to ensure seamless low-value payments of upto Rs. 5000, (6) the option to download UPI statements in PDF and Excel formats for better financial tracking, and (7) a consolidated view of total balances across all UPI-linked bank accounts – without having to mentally add up individual balances. Internationally, Paytm now enables UPI payments in the UAE, Singapore, France, Mauritius, Bhutan, Sri Lanka, and Nepal, offering greater convenience to Indian travellers across the globe.

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Growing Adoption of UPI and the Need for Digital Safety

Unified Payments Interface (UPI) has become a key driver of digital transactions in India, accounting for 83% of total payment volume in CY-2024. In January 2025, UPI processed 16.99 billion transactions, reflecting a 39% year-on-year growth in volume and a 28% year-on-year growth increase in transaction value. Over the past five years, UPI adoption has soared at a CAGR of 74%, making it the largest retail payment system in transaction volume. Since its inception, UPI has onboarded over 460 million unique users, facilitating digital transactions across various segments.

NPCI’s Multi-Layered Security Framework

UPI stands out not only for its convenience but also for its robust security framework, which ensures the integrity of every transaction. NPCI employs advanced protocols and stringent safeguards such as device binding. The feature links a user’s account to a specific mobile device, ensuring that a third party cannot access it without the registered mobile device. Furthermore, UPI incorporates a two-factor authentication that requires users to verify their identity using their mobile number and the user’s UPI PIN before authorizing any transaction.

Consumer Advisory: How to Stay Safe?

While UPI is equipped with robust security features, fraudsters continue to exploit social engineering tactics. Consumers must remain cautious of scams.

NPCI advises all UPI users to follow the ‘Stop, Think, Act’ principle:

• STOP before responding to unexpected calls, messages, or emails requesting personal or banking details
• THINK and verify requests by checking official sources such as company websites or customer service helplines
• ACT wisely by avoiding suspicious requests and immediately reporting fraud attempts to the relevant authorities

How to Report a Fraud?

Users who suspect fraud should report incidents immediately. Suspicious cases can be reported to the national cybercrime helpline (1930) or through the National Cyber Crime Reporting Portal (https://cybercrime.gov.in). The user should also report the case to their bank. Additionally, users should save messages, take screenshots, and document interactions to help authorities take action.

By staying informed and alert, users can enjoy the convenience of digital payments while keeping their money safe. UPI is committed to ensuring a secure and seamless digital payment experience for everyone across India.

Do’s & Don’ts for UPI users

Do’s

• Ensure your mobile number is registered in the bank’s records
• Always check the UPI app prompt notifications during transactions
• Enter UPI PIN only for payments
• Report fraud or suspicious transactions only with your bank or the police
• Obtain bank contact details only from its official website – avoid search engines

Don’ts

• Never forward an SMS or OTP if asked by an unknown person
• Keep your debit card details and UPI PIN confidential
• Never download any unknown app, especially remote access apps, unless fully verified
• Do not share your transaction details on social media

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Through this partnership with Collinson International, Kiwi users can now access over 45 airport lounges domestically through Collinson International’s LoungeKey program

INDIA: Kiwi, India’s pioneering credit-on-UPI fintech platform, is redefining travel convenience by becoming the first UPI App to introduce complimentary airport lounge access across 22 airports in the country. To offer customers this travel benefit, Kiwi partners with Collinson International, a global leader in the provision of airport experiences, loyalty, and customer engagement solutions, to provide access to over 45 premium airport lounges in India through their LoungeKey program. This game-changing feature aligns with the surging travel aspirations of Indians, offering users a premium perk tied directly to their spending.

As part of this program, Kiwi users can now enjoy one complimentary airport lounge access for every ₹50,000 spent via Credit Card on UPI on the Kiwi platform. The process is fully digital: users can book lounge access through the Kiwi app, generate a pass or QR code, and simply scan it at the lounge entrance to avail of the service. Whether for business or leisure, this feature transforms routine travel into a luxurious experience, bridging the gap between everyday financial activity and aspirational privileges.

To further enhance the offering, Kiwi plans to launch an additional feature allowing users to extend this benefit to a friend, family member, or companion. This initiative will position Kiwi as a frontrunner in offering holistic lifestyle services through a single platform as it aligns with a “super app” approach, integrating multiple lifestyle benefits into one platform.

Mohit Bedi, Co-founder and Chief Business Officer of Kiwi said, “At Kiwi, our goal has always been to redefine what a payments platform can offer. With this pioneering feature, we aim to integrate premium travel privileges into everyday life while encouraging aspirational and responsible spending. As the first UPI app to offer lounge access, Kiwi is setting a new benchmark in delivering convenience, innovation, and lifestyle value to our users.”

Sumit Prakash, Country Director, India and South Asia, Collinson International said, “Collinson International’s latest research shows that travel is a key driver for consumer expenditure, with a strong ‘travel resonance’ among Indian survey respondents. Travel is the second highest expense for respondents in India, accounting for almost a third of annual expenditure. With growing travel demand and strong consumer preference for travel-related benefits, brands, especially in the financial services sector, have more opportunities to level up their customer value proposition. We are delighted to be partnering with Kiwi to provide a highly valued travel benefit to their customers and we look forward to welcoming them into our network of airport lounges in India.”

As travel returns at pace in India, Indians are placing a heightened focus on tailored travel experiences that add value to their lives. A recent Collinson International research revealed that close to half of the survey respondents in India (44%) rate airport lounge access as one of the most appealing travel-related rewards – surpassing security fast-track (9%) and airport transfers (7%). With Kiwi’s latest initiative incorporating access to airport lounges into their rewards program, Kiwi users can now elevate every journey into something special.

This lounge access benefit is now live and can be availed at major airports across the country. Users can check their eligibility, track their spending, and book their access directly via the Kiwi app.

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MUMBAI: NPCI International Payments Limited (NIPL), the international arm of the National Payments Corporation of India (NPCI), has announced a strategic partnership with Magnati, a leading payment solutions provider in the Middle East, to advance QR-based Unified Payments Interface (UPI) merchant payments via Magnati’s point-of-sale (POS) terminals in the UAE. The collaboration aims to expand the QR-based merchant payment network in the UAE by enabling more merchants to provide UPI as a payment method to Indian travelers.

UPI is recognized as one of the world’s most successful real-time payment systems, processing over 16 billion transactions in December 2024 alone. With this partnership, NIPL can provide seamless payment options to more than 12 million Indians traveling to Dubai and the UAE annually. It plugs an Indian solution into the global digital payments network and allows UAE merchants to cater to a growing Indian consumer base.

The partnership will initially offer UPI acceptance across Dubai Duty-Free, enhancing the shopping and payment experience for Indian tourists. It will further pave the way for future expansion across key merchant categories, including retail, hospitality, transport, and supermarkets.

Ritesh Shukla, Chief Executive Officer, of NPCI International said, “The partnership with Magnati is a strategic step towards expanding UPI acceptance in the UAE. It offers Indian travelers a seamless and familiar payment experience at premier destinations like Dubai Duty-Free. This collaboration aligns with our vision of providing Indians with a global digital payment acceptance network and enhancing their experience abroad. Furthermore, it paves the way for broader economic and cultural connections between India and the UAE.”

Salim Awan, Managing Director, Institutional Payments Solutions, Magnati, said, “With the NPCI International collaboration, Magnati has expanded its alternative payment channels network for Dubai Duty-Free as this partnership aims to bolster digital payments, facilitate cross-border payments and provide a seamless payment experience catering to the Indian travelers and NRIs. This collaboration exemplifies our commitment to innovative digital solutions and create value through a globally connected ecosystem.”

Ramesh Cidambi, Chief Executive Officer, of Dubai Duty-Free, said, “Magnati’s partnership strongly connects to its commitment to innovation and customer-centric solutions. By integrating UPI into its payment acceptance ecosystem, Magnati is demonstrating its position as a trusted partner for businesses across the UAE, enabling quick, hassle-free, and secure payment experiences for both merchants and customers.”

By expanding UPI acceptance into key markets like the UAE, NPCI International is showcasing India’s leadership in digital payment innovation on a global stage. It will set a benchmark for cross-border payment interoperability and help build stronger economic and cultural ties between India and the world.

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MUMBAI: The Reserve Bank of India (RBI) Deputy Governor Shri T. Rabi Sankar today announced the launch of product offerings aimed at transforming the ATM infrastructure in the country. Unveiled in association with the National Payments Corporation of India (NPCI) at the Global Fintech Fest (GFF) 2024, the initiatives include UPI Interoperable Cash Deposit (UPI-ICD) and banks showcasing Digital Banking Units (DBUs).

The introduction of UPI ICD allows customers to deposit cash at ATMs operated by banks and white-label ATM operators (WLAOs) using UPI to their bank account or any other bank account without the need for a physical card. These ATMs are cash recycler machines that are used for both cash deposits and withdrawals. Leveraging their mobile numbers linked to UPI, virtual payment addresses (VPA), and account IFSCs, customers can now make cash deposits, making the process more seamless, inclusive, and accessible. Consumers will be able to access these features as the banks gradually roll them out.

ATMs with open architecture can host bank apps positioning them as DBUs offering cash deposits, withdrawals, and other banking services such as opening bank accounts, applying for credit cards, initiating fixed deposits, applying for safe deposit lockers, etc.

Additionally, today at the GFF 2024, Shri Vivek Deep, Executive Director, RBI announced the rebranding of the Bharat Bill Payment System (BBPS) to Bharat Connect. This is an important step to refresh and strengthen the BBPS brand. Bharat Connect embodies NPCI Bharat BillPay Limited’s (NBBL’s) values and vision for stakeholders and customers, going beyond a bill payment system to create an ecosystem that connects individuals and businesses, through an integrated platform.

The launches took place in the presence of Shri Ajay Kumar Choudhary, Non-Executive Chairman and Independent Director, NPCI.

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BENGALURU: super. money, a credit-first UPI service platform, today officially launched its app, after a successful beta phase. During the beta phase, the app witnessed close to one million downloads, driving over 10 Million transactions, showcasing significant adoption of the app. super.money has also finished testing out a first of its kind, credit on UPI solution, and has started a waitlist program for the same. super.money’s first solution is a  RuPay credit card that operates like an interest-bearing wallet on UPI rails and is touted to be a global first.

super.money launched its UPI offerings with a strong focus on enhancing rewards & credit experiences for everyday transactions. The app offers up to 5 percent cashback on every merchant transaction and special offers from partner merchants including Flipkart and Myntra.

super.money is transforming payments into a social and engaging experience with its innovative rewards programs like superNameDrop, Raffle, and Meme-Money. superNameDrop is a construct where users can earn instant cashback by sending money to someone with the featured name of the week. Raffle, which is slated to launch soon, offers users the chance to win exciting prizes, while Meme-Money adds a social element to financial transactions, making them both engaging and rewarding.

Backed by the aim to tap into India’s growing consumer credit opportunity, super.money has integrated with NPCI’s RuPay infrastructure for its co-branded credit card. Since its inception, UPI QR codes have quickly surpassed POS systems while unlocking new payment and credit use cases that may not have existed before. As per recent reports, the cost of credit acceptance for merchants has dropped to zero on smaller-value transactions – a global first – which is expected to significantly boost UPI adoption in India.  Credit on UPI will materially change the borrower profile, and in turn, accelerate retail credit adoption in the country. This is also set to bring users from Tier 2 and Tier 3 India into the realm of formal credit.

In the coming months, super.money plans to introduce a range of financial products in partnership with leading financial institutions, including a co-branded credit card, fixed deposits (FDs), and instant pre-approved personal loans, catering to the diverse financial needs of Indian customers. super.money aims to democratize access to financial services by leveraging the UPI infrastructure, which is aligned to the Government’s larger vision of financial inclusion.

Prakash Sikaria, Founder & CEO of super.money, said, “The timing of super.money’s app launch is incredibly opportune, coming on the heels of UPI crossing ₹20 trillion in transactions for the third consecutive month. Our beta phase was instrumental in shaping the super.money experience, particularly in how we innovate at the forefront of credit on UPI. The digital payments landscape in India is brimming with opportunities but the real potential lies in integrating financial services on UPI rails in a simplified way. We have started with innovating on credit products as it does an important job of introducing millions of Indians to formal credit infrastructure. At super.money, our vision goes beyond being just a payment platform. We aim to redefine how users engage with financial services, making them more accessible, rewarding, and aligned with the government’s vision for a digitally empowered India.”

Currently, super.money has partnered with a wide range of financial institutions to power financial services. The super.money app is currently available to all Android users and is soon to be launched on the iOS platform.

As per NPCI, credit transactions on India’s flagship payments platform Unified Payments Interface (UPI) are reaching Rs 10,000 crore each month. This presents a vast opportunity for fintech companies to make credit more convenient for consumers.

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MUMBAI: The National Payments Corporation of India (NPCI) announced the rollout of the ‘UPI One World’ wallet for inbound travelers, across all nations of the world, visiting India. This initiative is designed to provide international visitors with a seamless, real-time digital payment experience, making it easier to explore India’s cultural wonders and vibrant landscapes. Additionally, this innovative service will be available to the esteemed delegates attending the World Heritage Committee meeting in New Delhi from July 21-31, 2024.

Through this development, delegates as well as other foreign visitors will have the opportunity to immerse themselves in India’s rich culture, cuisine, and many diverse experiences with the ease of Unified Payments Interface (UPI) payments.

UPI One World wallet, first introduced during the G20 summit hosted by India last year, will now be available to people visiting from many more countries. Foreign visitors can use the wallet to experience the convenience and security of the “made in India” technology. This eliminates the need to carry cash and the complexities of foreign exchange transactions.

The UPI One World wallet can be availed through authorized PPI issuers at airports, hotels, designated money exchange locations, and other touchpoints, following a full KYC process based on a passport and valid visa. Arrangements will also be made to make these wallets available at Bharat Mandapam in New Delhi, the venue of the World Heritage Committee meeting, for the benefit of delegates. Once issued, the wallet can be loaded, either in cash or through other payment modes.

International travelers can use the UPI One World app to make payments at merchant locations by simply scanning the QR codes. Any unused balance can be transferred back to the original payment source, by foreign exchange regulations. This enablement has been made possible by the joint efforts of NPCI, IDFC First Bank, and Transcorp International Limited, under the guidance of the Reserve Bank of India.

Speaking on this significant development, an NPCI spokesperson said, “We are thrilled to offer UPI experience to the international guests visiting India through UPI One World. This move aims to enhance the experience for visitors by equipping them with UPI, the most preferred payment choice among Indians. International travelers can organize their financial needs using UPI One World. It allows for convenient loading and enables the transfer of any unused balance back to the original payment source. By enabling foreign travelers to experience the real-time payments system developed by India, we are taking a significant stride towards creating a more interconnected global digital payments ecosystem.”

This initiative by NPCI showcases India’s leadership in the global digital payments landscape and provides an opportunity for the international community to engage with and benefit from India’s Digital Public Infrastructure (DPI) success story. Notably, in June 2024, UPI processed close to 14 billion transactions valued at INR 20.07 trillion (~USD 240 billion).

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• This all-in-one solution will allow users to accept Bharat QR, UPI, Tap & Pay, and Tap+ Pin payments
  
• The Tap+ Pin capability will power payments of more than ₹5000
  
• Merchants will receive sound and visual transaction alerts in 7+ languages

MUMBAI: Axis Bank, one of the largest private sector banks in India, today announced the launch of NFC Soundbox in collaboration with Mastercard. An industry-first proposition for the merchant community, the new soundbox will act as an all-in-one solution allowing the users to accept Bharat QR, UPI, Tap & Pay and Tap + Pin payments.

With this launch, Axis Bank will be the first bank in India to introduce a Soundbox that can accept Tap + Pin payments, enabling merchants to accept transactions greater than ₹5000 via card instruments. The device will be powered with a dual confirmation feature, providing audio cues through its speaker and visual feedback on the screen in more than seven languages, ensuring a smooth and reassuring transaction experience for both merchants and consumers.

The new Soundbox will be powered with 4G + Wifi capability which provides superior connectivity and seamless processing of transactions. It will be capable of supporting deep integration with third-party applications as well. With Dynamic QR, the amount is automatically populated when the consumer scans the code.

Axis Bank and Mastercard’s collaboration on the NFC Soundbox will help drive card payment acceptance among small merchants. The Soundbox’s innovative and cost-effective proposition along with a seamless transaction experience will help drive quick and secure contactless card payments, leading to cardholder delight.

The new device will also be available on all leading payment networks, such as Visa, RuPay, and American Express.

Speaking at the launch event, Sanjeev Moghe, President & Head- Cards & Payments, Axis Bank, said, “The Bank has always been at the forefront of innovation by introducing various form factors and digitizing the onboarding journey of merchants. This expansion will ensure that our capability stack offers state-of-the-art payment solutions while prioritising a faster and secure payment ecosystem. Through this initiative, we strive to deliver the best possible solutions to both the merchants and their customers by offering multiple modes of payments via different channels. This device aligns with the Bank’s asset lite strategy to provide products/solutions of superior quality at an affordable price. The NFC Soundbox will help the Bank further penetrate the small merchant segments with cost-effective and simple payment solutions that are secure and compliant with PCI standards.”

Commenting on the collaboration, Gautam Aggarwal, Division President, South Asia at Mastercard, said, “What is taking place in India is a playbook for the rest of the world in terms of innovation in digital payments at population scale. The launch of NFC Soundbox is another example of a form factor which provides consumers with access to quick and highly secure card transactions. At the same time, small merchants will be able to use a cost-effective all-encompassing payment solution. Mastercard is delighted to collaborate with Axis bank to power the launch of this unique device furthering digital payments acceptance among India’s small merchants and MSMEs.”

Axis Bank is the largest player in the merchant-acquiring business pan India, with POS terminal market share of 19.8% as of March’24. With an installed base of 17.60L terminals spread across the country, it serves all categories of merchants from the metro cities, urban and rural areas. The Bank has gained an incremental market share of 28% in the last 12 months period (April’23-March’24).

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MUMBAI: ICICI Bank today announced that it has enabled NRI customers to use their international mobile number to make UPI payments instantly in India, thereby significantly enhancing their convenience of making everyday payments. With this facility, the NRI customers of the Bank can make payments for their utility bills, and merchant and e-commerce transactions with their international mobile number registered with their NRE / NRO bank account held with ICICI Bank in India. The Bank has made this service available through its mobile banking app, iMobile Pay. Earlier, NRIs had to register an Indian mobile number with their banks to make UPI payments.

To bring forth this facility, ICICI Bank has leveraged the international infrastructure laid down by the National Payments Corporation of India (NPCI) for convenient usage of UPI across countries. The Bank offers this facility across 10 countries namely the USA, UK, UAE, Canada, Singapore, Australia, Hong Kong, Oman, Qatar, and Saudi Arabia.

NRI customers of the Bank can make UPI payments by scanning any Indian QR code and sending money to a UPI ID or any Indian mobile number or Indian bank account.

Speaking on the initiative, Sidharatha Mishra, Head of Digital Channels and Partnerships, at ICICI Bank said, “We are delighted to partner with NPCI to launch the UPI facility on international mobile numbers through iMobile Pay. With this facility, our NRI customers residing in 10 countries do not need to switch to an Indian mobile number to pay using UPI. This launch reinforces our commitment to provide our NRI customers with innovative solutions, for them to have a safe, secure, and hassle-free payment experience. We are witnessing a positive response from our NRI customers who have started using this facility. With this initiative, we intend to leverage NPCI’s UPI Infrastructure in strengthening and transforming the digital payments ecosystem globally”.

Below are easy steps to activate the UPI facility on international mobile numbers using iMobile Pay:

Step 1: Log in to the iMobile Pay app

Step 2: Click on ‘UPI Payments’

Step 3: Verify Mobile Number

Step 4: Click on Manage –> My Profile

Step 5: Create a new UPI ID (select from the suggested options)

Step 6: Select the Account Number -> Submit

To know more about UPI facility on international mobile numbers, please visit https://www.icicibank.com/nri-banking/money_transfer/money2india/upi

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The MoU has three key objectives. First, it seeks to broaden the use of UPI payments for travelers outside of India, enabling them to conveniently make transactions abroad. Second, the MoU intends to assist in establishing UPI-like digital payment systems in other countries, providing a model for seamless financial transactions. Lastly, it focuses on easing the process of remittances between countries by utilizing the UPI infrastructure, thereby simplifying cross-border financial exchanges.

The outlined objectives will help accelerate UPI’s global acceptance, providing foreign merchants access to Indian customers who will no longer have to rely only on foreign currency and/or, credit or forex cards for making digital payments and will have the option of using UPI-powered Apps from India including Google Pay. This is in alignment with NPCI’s endeavor of bolstering India’s position in the global digital payment landscape. Moreover, the MoU will also significantly contribute to simplifying remittances by reducing dependence on conventional money transfer channels.

Deeksha Kaushal, Director, of Partnerships, Google Pay India said, “We are delighted to support NIPL towards expanding the reach of UPI to international markets. Google Pay has been a proud and willing collaborator to NPCI and the financial ecosystem, under the regulator’s guidance, and this collaboration is another step toward our commitment to making payments simple, safe, and convenient. UPI has demonstrated to the world the step change that happens in economies with the introduction of interoperable, population-scale digital infrastructure and each economy that joins such networks will create an impact beyond the sum of parts. We are very excited about the scope of this collaboration.”

Ritesh Shukla, CEO – NPCI International Payments Limited (NIPL), said, “We are pleased to team up with Google Pay to propel UPI onto the global stage. This strategic partnership will not only simplify foreign transactions for Indian travelers but will also allow us to extend our knowledge and expertise in operating a successful digital payments ecosystem to other countries. We are also excited about enabling a seamless and more connected international remittance network by further expanding UPI’s cross-border interoperability feature. With the success of UPI in a dynamic market like India we are excited to further our vision to transform the digital payments landscape globally.

The global expansion of UPI represents a transformative step in international commerce, enabling a seamless, secure, and cost-effective payment experience for both merchants and customers worldwide.

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