FAQ for UPI integrated with DhanSmart
1. Do we have a UPI feature in our Mobile Banking Application
Yes, we have added the UPI feature in our Mobile Banking Application, DhanSmart.
2. How can I access the UPI feature?
UPI feature is available both in the Pre-Login screen and Post Login screen.
3. In the pre-login screen, how can I initiate a UPI transaction?
In the pre-login screen, we can initiate a UPI transaction either by clicking on the UPI icon or by clicking on the QR scan and pay icon.
4. Do I have to register for UPI before I can initiate a transaction from the pre-login screen of DhanSmart if I have already registered in the BHIM DLB UPI?
No, if the customer is already using BHIM DLB UPI customer does not have to register again but have to do SIM binding.
5. How do I register for UPI in the mobile banking app the pre-login screen of DhanSmart if I have not registered in the BHIM DLB UPI?
- Click on UPI icon in the pre-login screen.
- Click on the ‘OK’ button present in the information pop-up screen
- OTP verification takes place
- Customer gets the registration screen, where user has to enter the details like, Name, DOB, Gender, Mobile Number, Email ID and the UPI Id they want to set for their account.
- Customer gets a screen to set the login pin(4-digit) for UPI and user has to enter the login pin again to confirm the login pin.
- Customer has to enter the
login pin again to enter the UPI home screen.
6. What are the steps to link my bank account to UPI?
- Click on the UPI icon in the pre-login screen
- Enter the login pin for UPI
- Customer will get the screen to add the bank account.
- Select the bank
- Select the account which you need to add to UPI.
7. How do I set UPI ID?
- After the account activation, customer will get the screen to set UPI ID.
- User can either create their own UPI ID or can select from the list.
- Click on ‘Save’
8. How do I set UPI pin?
- Click on the UPI icon in the pre-login screen
- Enter the login pin for UPI
- Click on the ‘Menu’ icon
- UPI Pin Management
- Select the account for which you have to set the UPI Pin
- Select ‘Set UPI Pin’
- Click on OK
- Enter the last 6 digits of the debit card number
- Enter the card expiry date
- Click on Submit
- Set the 4-digit UPI Pin.
9. Can I initiate a transaction from the pre-login screen after the registration or do I have to wait before initiating a transaction after registration?
After registration, there is a cooling period of 24-hour, during which customer can initiate transactions up to Rs 5000. To make a transaction above Rs 5000 customer has to wait till the cooling period is over.
10. How can I initiate a transaction using QR pay?
- Click on the ‘QR Pay’ icon on the pre-login screen
- Allow the app to access your camera.
- Scan the QR using the camera
- Enter the login pin of UPI
- Select the ‘From Account’ and click ‘Pay Now’
- Enter the amount to be paid and click submit.
- Click confirm and enter UPI Pin.
11. How do I initiate a transaction to a UPI ID/Number?
- Click on the UPI icon in the pre-login screen
- Enter the login pin for UPI
- Click on Send Money
- Select the ‘From Account’
- Choose ‘To UPI ID/Number’
- Enter the UPI ID/Number to which the transaction has to be initiated
- Enter the amount to be paid
- Enter Submit.
- Confirm the Pay Request
- Enter the UPI Pin
12. How do I initiate a transaction to an Account?
- Click on the UPI icon in the pre-login screen
- Enter the login pin for UPI
- Click on Send Money
- Select the ‘From Account’
- Choose ‘To Account’
- Enter the Account Number and the IFSC code
- Enter the amount to be paid
- Enter Submit.
- Confirm the Pay Request
- Enter the UPI Pin
13. How do I initiate a transaction to a Contact?
- Click on the UPI icon in the pre-login screen
- Enter the login pin for UPI
- Click on Send Money
- Select the ‘From Account’
- Choose ‘To Contact’
- Select the contact to which the transaction has to be initiated.
- Enter the amount to be paid
- Enter Submit.
- Confirm the Pay Request
- Enter the UPI Pin
14. How can I initiate a UPI transaction after login to the DhanSmart.
To access the UPI features of DhanSmart after login, user has to login either using MPIN or Touch ID instead of User ID and password due to device registration requirement.
15. Do I have to register for UPI before I can initiate a UPI transaction after login to the DhanSmart application?
Yes, if the customer hasn’t already registered on BHIM DLB UPI, customer has to register before initiating a UPI transaction after login to the DhanSmart application.
16. How do I register for UPI in the mobile banking app after login to the DhanSmart application?
- Login to the DhanSmart application either using MPIN or Touch ID
- Click on the UPI icon
- Click on the ‘OK’ button present in the information pop-up screen
- OTP verification takes place
- Customer gets the registration screen, where user has to enter the details like, Name, DOB, Gender, Mobile Number, Email ID and the UPI Id they want to set for their account.
- Customer gets a screen to set the login pin(4-digit) for UPI and user has to enter the login pin again to confirm the login pin.
- Customer has to enter the login pin again to enter the UPI home screen.
17. How do I initiate a UPI transaction for the first time after login to the DhanSmart application if I have done registration in the pre-login screen?
- Login to the application using MPIN or Touch ID
- Click on UPI icon on the home screen/Click on Menu->UPI.
- Click on the ‘OK’ button present in the instruction pop-up screen
- OTP verification takes place
- Customer gets redirected to UPI main screen.
18. Is it possible to set/reset UPI Login Pin after login to the application?
No, UPI Login Pin can be set only in the pre-login screen.
19. Can I initiate a transaction post-login after the registration or do I have to wait before initiating a transaction after registration?
After registration, there is a cooling period of 24-hour, during which customer can initiate transactions up to Rs 5000. To make a transaction above Rs 5000 customer has to wait till the cooling period is over.
20. If I have done registration both pre-login and post-login how long will it take to complete my cooling period?
The 24-hour cooling period begins from the most recent registration completed by the customer.
21. How do I initiate a transaction to a UPI ID/Number after login to the application?
- Login to the application using MPIN or Touch ID
- Click on UPI either on home screen or in the menu icon
- Click on Send Money
- Select the ‘From Account’
- Choose ‘To UPI ID/Number’
- Enter the UPI ID/Number to which the transaction has to be initiated
- Enter the amount to be paid
- Enter Submit.
- Confirm the Pay Request
- Enter the UPI Pin
22. How do I initiate a transaction to an Account?
- Login to the application using MPIN or Touch ID
- Click on UPI either on home screen or in the menu icon
- Click on Send Money
- Select the ‘From Account’
- Choose ‘To Account’
- Enter the Account Number and the IFSC code
- Enter the amount to be paid
- Enter Submit.
- Confirm the Pay Request
- Enter the UPI Pin
23. How do I initiate a transaction to a Contact?
- Login to the application using MPIN or Touch ID
- Click on UPI either on home screen or in the menu icon
- Click on Send Money
- Select the ‘From Account’
- Choose ‘To Contact’
- Select the contact to which the transaction has to be initiated.
- Enter the amount to be paid
- Enter Submit.
- Confirm the Pay Request
- Enter the UPI Pin
24. How can I initiate a transaction using QR pay?
- Click on the ‘QR Pay’ icon.
- Allow the app to access your camera.
- Scan the QR using the camera
- Enter the login pin of UPI
- Select the ‘From Account’ and click ‘Pay Now’
- Enter the amount to be paid and click submit.
- Click confirm and enter UPI Pin.
