With Pay, everyone can use banking facilities ****without Internet****.

With easy interface of Pay, anyone can learn and start using offline banking facilities in minutes.

Check Balance, send money, receive money, connect your bank account, Scan QR code to pay, create your own QR Code - everything works faster and easier without internet. Now no need to worry about slow internet connectivity or data pack availability.

You can use any bank account and payment is sent and received instantly. No Wallet, No adding money. All transactions happen directly from your bank account. Pay works only with your SIM card and all transactions are secured with your UPI PIN.

All you need is -
1. Your mobile number linked with your bank account
2. Debit card connected with your bank account

What all can I do?
- All banks in one app.
- Register using any of your bank account
- Check balance in a click
- Pay instantly to friends, relatives, shop keepers on their mobile number
- Send money with a simple 4 or 6-digit PIN (Digit Depends on Bank)
- Request money from other users from mobile number or UPI ID(VPA)
- Scan QR at shops to quickly make a payment
- Create your own QR code and receive payments instantly from any UPI user
- View and approve pending payment requests
- View past transactions (up to 5 transactions)

Register your Bank account
- Register your bank account linked with your Mobile Number
- Select your bank from a full list of banks
- Register your bank account using your Debit card details
- Create your UPI PIN for new users


Send Money – Easily and Instantly
- Send money to any BHIM user via mobile number
- Send money to any UPI user via UPI ID (VPA – Virtual Payment Address)
- Send Money using Account Number + IFSC Code to any Bank
- Per transaction limit is Rs. 5000

Check Balance
- Check your updated account balance in a click

Request Money
- Request money from any BHIM user using Mobile number
- Request money from any UPI user via UPI ID (VPA)

Scan QR & Pay
- QR scan works without internet!!!
- Scan any app UPI QR and make payment to friends and family
- Scan UPI QR at shops to make payment directly from your bank account
- You can scan any UPI app QR code quickly and transfer money directly to bank account

Create your own QR code
- Now you can create and view your own QR code with a single click
- Go to Profile & QR tab to see your personal QR
- You can use this QR to receive payments from your friends, relatives and customers

Pending Request
- Select UPI payment for any online payments and you will see a pending payment request in Pay app
- Check, approve and make payments for the pending requests

Other Functionalities
- Change your default bank account linked with Pay
- Link new bank account with Pay
- Reset/Change UPI PIN
- View past transactions
- View your profile details

All banks supporting UPI are available on Pay

Pay works on existing functionality of *99# of BHIM and provides a better interface to users to use *99# USSD based BHIM UPI Services. Your network provider might charge you for USSD services for each transaction.

Before you register on Pay, please ensure the following:
- You need an active Debit Card for your account
- Your Mobile Number should be linked with your Bank Account – Contact your bank to link the mobile number
- Your registered mobile number SIM should be present in the same device as the Pay application