BHIM UCO UPI vs BHIM Axis Pay UPI App Usage & Stats
UCO Bank launches official UPI-Unified Payment Interface app for all banking needs of customer.
UCO Bank is a commercial Bank and a Government of India undertaking and providing various services to its customers.
BHIM UCO UPI-Unified Payment Interface allows customers to Pay/Collect money using Virtual Private Address. Virtual Private Address is unique for each customers account. Customer can download the UPI app and install it in device(Mobile/ Tablets). While doing the registration, UPI app communicates with NPCI in encrypted data format. The customer has to create virtual address and complete profile information. The customer can add UPI enabled Bank accounts based on their Mobile Number registered in banks. After adding the bank account, it has to verified using debit card information and set MPIN using OTP. After debit card verification, the customer can pay/collect to other bank accounts. The customer can do the balance enquiry. UPI uses IMPS as underlying base. The customer can use P2P(using MMID and Mobile of Remitter), P2A(using IFSC and account), P2U (AAdhar payments) and VPA(Virtual Private Address) for doing payments. The customer can initiate collect request to other UPI customer. It will appear in Collect Authorisation option where user can accept or reject requests. The transaction history shows details of all payment and collect requests. Using Add beneficiary, the customer can add beneficiary of other banks for doing payments.
The Unified Payment Interface allows payments to be initiated by the payer, or by the payee. In the basic payee initiated flows, the payment request is routed by the initiating application through the NPCI switch to the payer for approval. However, in certain instances, where it is possible to connect with the payer immediately, it is preferred that the payee sends a payment request to the payer, who can then initiate the payment request with his credentials.
Unified Payments Interface (UPI) is an architecture and a set of standard APIs to facilitate the next generation online immediate payments leveraging trends such as increasing smartphone adoption, Indian language interfaces, and universal access to Internet and data. UPI is launched by National Payments Corporation of India with Reserve Bank of India's vision of migrating towards a 'less-cash' and more digital society. NPCI has built on the Immediate Payment Service(IMPS) platform through which one could transfer money instantly by going online-by adding another layer that allows easy debit capability even on mobile phones.
Bank as a part of digital banking, is introducing QR code for its BHIMUCOUPI. This will facilitate in leveraging quick fund transfer and healthy replacement of PoS (Point of Sale).
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BHIM Axis Pay is a UPI banking app from Axis Bank that lets you transfer money from any bank to any bank account instantly using just a smartphone. You can also make online recharges to prepaid mobile numbers and DTH recharges using BHIM Axis Pay UPI App instantly. Download the free BHIM Axis Pay UPI App and go cashless! What is a UPI App? Unified Payments Interface (UPI) is a payment system created by National Payments Corporation of India (NPCI). UPI allows instant money transfer round the clock without mentioning the details of your bank account such as the account number and IFSC code. A UPI payment app uses a UPI ID to both send and receive money instantly from any bank account without sharing the account number and IFSC Code. For using a UPI banking app such as BHIM Axis Pay, users need to create a UPI ID/Virtual Payment Address (VPA) of their choice and link it to any bank account from a UPI supported bank. For example, a UPI ID for BHIM Axis Pay can be yourname@axisbank or mobilenumber@axisbank etc. which is easy to remember and any bank account can be linked. Once linked, just use your UPI ID instead of your bank account number and branch IFSC code to make or receive instant and cashless mobile payments. Features of BHIM Axis Pay:
* Anyone (Axis Bank customers and non-customers) can use the BHIM Axis Pay UPI banking app to make payments from their mobile to anyone without knowing the recipient's bank details
* You can add both Axis Bank and Non Axis Bank accounts on the BHIM Axis Pay UPI payment app and can also add multiple accounts at the same time
* You can perform instant fund transfer using UPI ID to any bank account right from BHIM Axis Pay money transfer app
* You can link the beneficiaries just by using their UPI ID on the BHIM Axis Pay mobile payment app
* Fund transfers are instant, 24*7, 365 days and absolutely free of cost and take place in a completely safe and secure way
* You can also check the balance of your linked accounts right from the BHIM Axis Pay money transfer app
* You can make prepaid online mobile recharges for all leading Indian telecom providers like Airtel, Vodafone, Reliance Jio, Idea, BSNL, and others from Axis Pay UPI application
* Find the best and the most suitable recharge plans/packs that meet your exact need on the BHIM Axis Pay UPI app. Browse through using different categories like Top-ups, Talk time offers, Data packs - 2G, 3G and 4G, Local, STD, ISD and many more.
* You can use BHIM Axis Pay UPI app to make DTH recharges from your mobile for operators like Tata Sky, Airtel DTH, Dish TV, Videocon D2H, SUN TV, and Reliance BIG TV
* Select Axis bank customers can now get instant credit card through BHIM Axis Pay. To know more on how to get instant credit card, visit www.axisbank.com/instantneocard
How does BHIM Axis Pay work? Getting Started:
* Download the BHIM Axis Pay UPI app from App Store
* Select your preferred bank account
* Create a unique UPI ID (for example – yourname@axisbank)
* Verify your account & set a UPI PIN
How to send money?
* Choose the account to send money from
* Enter receiver’s UPI ID
* Enter amount
* Confirm payment by entering UPI PI
How to ask for money?
* Choose the account to ask money from
* Select receiver’s UPI ID
* Enter amount and send request. Receive money when sender approves the money transfer on his app
How to recharge prepaid mobile online?
* Enter mobile number
* Select plan from Browse Plan
* Confirm online mobile recharge by entering UPI PIN
How to recharge DTH online
* Enter Subscriber ID
* Enter amount
* Confirm DTH recharge by entering UPI PIN
How to check account balance?
* Click on ‘Check balance’
* Enter UPI PIN to confirm
Go ahead and download BHIM Axis Pay, Axis Bank's cashless UPI payment application for real time settlement and transfer of funds using UPI ID.
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BHIM UCO UPI VS. 
BHIM Axis Pay UPI AppJanuary 17, 2026