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Unified Payment Interface (UPI)
Instant payment system that powers multiple bank accounts into a single mobile application

Key Features

  • Payments can be made via mobile app, web
  • Sender (payer) and receiver (payee) initiated
  • Payment uses 1-click 2-factor authentication, Biometric Authentication and use of payer’s smartphone for secure credential capture
  • UPI is currently available across 34 Bank’s app
Transactional Flow at BSES website:
  • Consumer visits BSES website (
  • Consumer enters "CA Number" and "Captcha".
  • Consumer verifies the details and clicks “Quick Pay”
  • Consumer selects UPI as a payment option and enters his/her Virtual Payment Address - VPA
  • Respective UPI app is evoked for confirmation/Authorization of payment
  • Once the payment is authorized and approved in the UPI app, payment acknowledgement is generated for BSES Consumer.
  • Maximum limit per transaction is Rs. 10,000 per transaction and maximum limit per day is Rs. 20,000