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UPI Registration Process: A Step-by-step Guide

UPI Registration Process: A Step-by-step Guide

With the emergence of UPI (Unified Payments Interface), individuals now have the ability to connect their bank accounts to a mobile app in a secure manner. This enables them to perform transactions using solely the recipient’s UPI ID. In the era following the COVID-19 pandemic, this mode of transferring funds has gained prominence as the most efficient approach for sending and receiving money, all while being directly linked to one’s bank account. For those seeking guidance on utilizing the touchless payment mechanism, continue perusing this article that outlines the process of UPI registration.

What Is the UPI Registration Process?

UPI registration pertains to the procedure through which an individual can swiftly send money from their bank account to the recipient’s bank account. UPI, or Unified Payments Interface, aims to supplant the traditional means of money transfer between banks like IMPS and NEFT.

Once the UPI registration formalities are concluded, the sender gains the ability to promptly transfer funds. This can be accomplished by employing any UPI payment application, requiring just a few uncomplicated steps.

Here is a step-by-step guide for you on how to do UPI registration:

Step 1: Begin by downloading the UPI-BHIM app or a compatible UPI app from the Google Play Store or Apple App Store.

Step 2: Opt for your preferred language, verify your mobile number, and select your bank and associated account.

Step 3: Construct your profile by inputting essential details like your name, virtual ID, and password. Your payment address will be the unique virtual identity that you generate.

Step 4: In the “Add/Link/Manage Bank Account” segment of the app, link your bank’s account number with the previously generated virtual ID.

Step 5: Establish your MPIN during this phase. Your MPIN will be essential for finalizing transactions.

Step 6: With these steps completed, your registration process will be concluded.

Things to Consider While Making UPI Transactions

In addition to being familiar with UPI registration, it’s important to keep the following points in mind when making payments using UPI:

Check the UPI ID That You Are Sending Money to

Transferring money using only the recipient’s UPI ID, similar to an email address but personalized, is straightforward. To proceed, you need to verify the legitimacy of the recipient. When a user signs up for the service, they receive a distinct UPI ID that belongs only to them.

To ensure that the funds are transferred to the right person, make sure to verify their UPI ID before initiating the payment. If you’re unsure about your own UPI ID, you can refer to the profile section of your UPI-enabled application.

Your UPI PIN Must Be Confidential

We now understand what a UPI PIN is—it is the code you input whenever you wish to finalize a transaction. It’s crucial to bear in mind that safeguarding your UPI PIN is essential, as it acts as a barrier preventing unauthorized access to your account. This can be likened to how you safeguard your ATM PIN.

As a result, this particular UPI PIN should not be given to anybody, not even individuals you have confidence in or individuals claiming to be from customer support. Exclusively input the UPI PIN on the dedicated page assigned for it, to prevent any financial loss, it’s advisable to decline the transaction if you are unsure.

Restrict Recording or Screen-Sharing Apps

Avoid providing access to your UPI (Unified Payments Interface) applications for screen-sharing software. Sharing such access with unverified apps could potentially expose your confidential financial details, including passwords and one-time passwords (OTPs), putting your data at risk of being compromised.
You can always adjust the settings to ensure that screen-sharing applications don’t have unrestricted access. By limiting their access, you’re taking steps to safeguard your financial information.

Do Not Use Multiple UPI Apps

A single UPI app is enough for all your digital transactions. Thanks to UPI’s interoperability, you can smoothly make payments across various platforms, banks, and applications. There’s no necessity to juggle multiple UPI apps.

Update the UPI Apps Regularly

Whenever a new update for your UPI app is released, it’s essential to promptly install it. These updates incorporate security enhancements that enhance the app’s safety and reduce its vulnerability to security breaches.

Choose UPI ID over Phone Number to Do Remote Transactions

When transferring funds from a distance, it’s advisable to ask for the recipient’s UPI ID or scan their QR code for payment. Relying solely on a phone number can be risky due to potential typing errors. Before paying the whole amount, you might want to send a trial sum, like ₹1, to validate the transaction before transferring the complete amount.

Avoid Sharing UPI Information Before Payments

It’s essential to understand that when it comes to receiving payments through UPI apps, you don’t need to use a QR code or share your UPI PIN. These credentials are only necessary when you’re sending money. Be cautious of hackers reaching out via phone or email, asking you to download third-party apps for supposed verification. Avoid following such requests or clicking on any provided links.

Remember, banks will never call or email you to ask for your PIN, OTP, or any sensitive details. Falling for such unsolicited communications can lead to unauthorized access to your financial information.


That covers the key points about UPI registration. Should you encounter any problems with your payments or transactions, you can promptly report them through the UPI app’s help center. For a smoother UPI experience, opt for apps with lower failure rates that align well with your bank’s services.

If you have any doubt regarding this, then you can send your doubts on companysuggestion and our team of experts will guide you.

CS Shweta Sharma

CS Shweta Sharma having experience of three years under CS firm and also having degree of B. Com and M. Com. Having expert knowledge of ROC related work and other company related compliances with MCA.

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