Union e-biz App is Union Bank of India’s dedicated mobile banking application designed for Business Banking customers (Individual and Sole proprietorship). It helps manage accounts, make and receive payments, monitor collections, add users, and access insights for better business banking

Currently, the app is available for Individual and Sole Proprietorship business customers. In later phases, it will be made available to Partnerships, LLPs, and Companies.

The customer must be KYC compliant and have at least one active Current Account, Running CC account and OD account. The customer should not be a minor, NRI, deceased, illiterate, or a Union Bank staff member. The CIF should not be suspended.

No. Customer with an NPA will not be able to register for the app

You can download the Union e-biz App from Google Play Store or Apple App Store. You can register using any of the following: Debit Card details or Corporate ID & User ID (for added users) and Branch Generated Token

Yes. You can access both your Individual and Sole Proprietorship Business accounts using the same login credentials. You can switch between accounts before or after login using the dropdown on the login or homepage.

Login PIN is used to log into the app. T-PIN is used to authorize transactions. Both are 4-digit numbers and must be unique (not identical or repetitive).

Yes. You can enable fingerprint or face ID login during registration. However, if you skip this step initially, biometric login cannot be added later.

The homepage displays your key banking information such as account balances, deposits, borrowings, cards, pending collections, and pending settlements. You can also use shortcuts for Fund Transfer, Payments, or Collections.    

Pending Collections show payments that you are yet to receive through POS, Bharat QR, or Payment Links. Pending Settlements show payments you have received but are yet to be credited to your account (usually settled next day).

You can update your details under the Profile section of the app. Here, you can view or update KYC, GST, Udyam, and LEI details, reset or change your PINs, de-register your device, and manage security settings.

You can make payments using the following options: Fund Transfer (within or outside Union Bank), Quick Transfer (up to ₹50,000), Bulk Payments (via Group or File Upload), and Standing Instructions (scheduled payments).

Third-party transactions: Up to ₹25 lakh per transaction/day. Quick Transfer: Up to ₹50,000 per transaction/day. Self-account transfers: Up to ₹9,99,99,999. Customers can also set lower limits for additional control under Payments → Transfer Limits.

Go to Payments → Manage Payee → Add a New Payee. Select the payee type (supplier, employee, etc.), enter account details, and validate using T-PIN and OTP. Payments to a new payee can be made after 3 hours.

Yes. You can set Standing Instructions for one-time or recurring transfers through Payments → Standing Instructions.

You can receive payments using: POS Device (with or without sound box), Payment Links (active for 24 hours), and Bharat QR / Merchant QR (including Dynamic QR for specific amounts).

A Dynamic QR code is generated for a specific payment amount and expires within 3 minutes. It allows quick, one-time payment collection from customers.

Yes. Sole Proprietors can add users under Profile → Access Management. You can assign rights such as Viewer (can view account details) or Initiator (can initiate transactions for your approval).

Each added user receives a Corporate ID and User ID by email. They must complete download app, register with Corp ID, set Login PIN and T-PIN, and complete Video KYC. Once verified, they can access the account with the rights assigned by the Sole Proprietor.

Do not share your PINs or passwords. Enable biometric login for faster and safer access. Use only trusted networks. Review and manage user access regularly. Always log out after use and keep your app updated.

Bulk Payment is a facility that allows businesses or individuals to make multiple payments simultaneously through the Union e-biz app, saving time and reducing manual effort.

Corporate customers, businesses, and individuals with multiple payees can use the Bulk Payment feature after appropriate onboarding by the bank.

The maximum limit is defined by the bank and can be viewed in the Bulk Payment section of the Union e-biz app.

• Group Payment: Create a group of Payee and make a payment 
• File upload: Upload the file containing the Beneficiary/Payee details

You can upload payment details using pre-defined file formats (CSV) available in the app.

Yes, you can set future dates and times for bulk payment execution.

Yes, you will receive status updates for each transaction.

Go to Bulk Payment History in the Union e-biz app to track payment status in real-time under the completed TAB.

Yes, businesses can set up maker-checker workflows.

Check the error log in the app for failure reasons.

Yes, scheduled payments can be modified or canceled before the execution time.

You can reach the bank's helpline or email support mentioned in the app under Help & Support.

Yes, demos, SOPs are available for Bulk Payment services under Help and support section.

A POS (Point of Sale) machine is a device that enables businesses to accept payments through debit/credit cards, UPI, QR codes, and contactless payment methods.

Any customer with:

• A Current/Cash credit/Overdraft Account with the bank
• Valid KYC documents (Business PAN, GST)
• A registered mobile number and internet banking or mobile banking access

• Log in to the Union e-biz app
• Navigate to Apply for POS on the Home page or Payment page or Account page
• Select settlement account
• Select the desired POS device 
• Fill in business details such as Business details, turnover, GSTIN number, Nature of business, and account details
• Upload two photos of business place.
• Pay stamp duty  
• Submit the application
• You will receive confirmation via SMS/email once the request is processed.

The bank may offer:

• Android POS terminals with advanced features like billing integration

Charges, if applicable, will be displayed while submitting the request. These may include:

• Monthly rental fees (if applicable)
• Transaction charges as per the bank’s policy

Typically, the POS machine is delivered within 5-7 working days after document verification and approval.

You can check the status by clicking apply for POS Banner on the homepage

Yes, you can request multiple POS terminals for different branches or outlets under the same business entity with different TIDs

The POS machine supports:

• Debit/Credit Cards (Visa, MasterCard, RuPay, etc.)
• UPI Payments

You can contact the Merchant Support Team through the Union e-biz app under Help & Support.

The Payment Link Generation feature allows you to create a payment request or link directly from the banking app so that your customers, vendors, or associates can make payments to your account securely and conveniently.

This feature is available to all registered customers of the bank who have:

• An active current account/Cash credit/Overdraft account
• Mobile banking enabled
• Necessary transaction rights assigned

You can generate a payment link by following these steps:

• Log in to the banking app
• On the homepage select Payment link or
• Go to Payments → Generate Payment Link Request
• Select the account for receiving the payment
• Enter the remaining details 
• Confirm the details and submit
• Request will be submitted to Bank for Registration for Payment link
• Once approved by the Bank you will be able to generate payment link and fix the validity of the payment link
• Share the payment link through whatsapp or sms

The recipient can pay via:

• UPI
• Debit/Credit Card
• Net Banking
• Wallets 

Yes, you can set the validity period for the payment link while generating it. After the expiry date, the link will automatically become inactive.

Yes, transaction limits apply as per the bank’s policy and RBI guidelines. These limits vary based on account type and customer profile.

You will receive:

• In-app notifications
• SMS 

The transaction status can also be checked under Pending Collections/Pending settlement

Absolutely. Payment links are encrypted and comply with RBI and NPCI security guidelines to ensure safe transactions.

Yes, you can cancel the payment request before it is paid. Once paid, the request cannot be canceled.

• If expired: The recipient will not be able to pay through that link. You will need to generate a new one.
• If failed: The amount will be reversed to the payer as per standard banking timelines (generally within 1-3 working days).

Charges (if any) will be displayed before confirmation.

You can contact the bank’s customer care or use the Help & Support section in the app. Provide transaction details for faster resolution.

BQR is a quick response code that allows merchants to receive payments instantly from customers using UPI or other supported digital payment methods through the Union e-biz app.

Any individual or business with a valid bank account and KYC compliance can register for BQR on the Union e-biz app.

Charges (if any) will be displayed in the app or communicated by the bank.

• Static QR Code: Contains fixed merchant details; customers enter payment amount manually.
• Dynamic QR Code: Generated per transaction with pre-filled amount and other details for faster payments

You can register by logging into your Union e-biz app → navigating to Apply for QR on the Home page/Account page/Payment page. Fill the required details and submit.

PAN card, Business proof, Bank account details, GST certificate (if applicable).

Usually, activation is instant or within a few hours after verification from vendor.

Customers simply scan the QR code using their UPI app or Union e-biz app and complete the payment instantly.

All payments will be credited directly to your linked bank account.

Yes, you can download or share the QR through WhatsApp, email, or other digital channels directly from the Union e-biz app.

You can view all payments received via the pending collection/pending settlement section in the Union e-biz app.

Yes, you will receive instant SMS and in-app notifications whenever a payment is credited.

Yes, payments are processed through UPI and NPCI secure channels, ensuring safe and encrypted transactions.

The customer should raise a complaint through their Union e-biz app. Usually, failed transactions are reversed automatically within 2–3 working days.

Yes, the app provides an option to set transaction limits for better control.

Ensure the QR code is not damaged or blurred. You can regenerate or download a fresh copy from the app.

Check your transaction history in the app, ensure your account is active and not under restriction, contact bank support if issue persists.

You can reach out to the bank’s helpline number or email provided in the app under Help & Support.

Yes, you can request deactivation via the Union e-biz app