UPI

Union Bank UPI Application

UPI (Unified Payments Interface) is an instant real-time payment system developed by National Payments Corporation of India (NPCI). UPI facilitates P2P (Peer to Peer), P2M (Person to Merchant) and P2PM (for small merchants and unorganized retail sector) transactions.

Union Bank of India currently provides UPI facility to the users of the bank through the container application Union ease which is providing both mobile banking and UPI functionalities.

Availability

Union ease application is available for download from Google Play store and Apple App Store.

How to Register for UPI in Union ease application:

Users registered on Union ease can create a new UPI ID using the “Create UPI ID” option available under their name on the Dashboard or through the Payments screen.

To link a bank account or credit card to the UPI ID, the user must select a bank from the available list. Once selected, the app will fetch and display the accounts or cards linked to the user's mobile number in that bank. The user can then choose the desired account or card and click ‘Continue’ to proceed.

Next, the user enters a preferred UPI ID and clicks ‘Check Availability’. If the chosen ID is unavailable, they can either enter a different one or select from four suggestions shown under the ‘Suggested UPI ID’ section. UPI IDs can be created using either of the two handles: @uboi or @ubi.

If a UPI PIN hasn’t been set for the selected account or card, the user will be prompted to set it immediately or choose to do it later. If they opt to set it now, they’ll be guided through the process. Once the UPI PIN is successfully set, a confirmation message will be displayed indicating successful creation of the UPI ID.

Users can perform the following financial and non-financial transactions using UPI in Union ease app.

• Scan QR
• Pay to Mobile
• Pay to UPI ID/Number
• Pending Request
• Mandate/IPO
• Link RuPay Credit Card
• Transaction History
• UPI Awareness (watching UPI awareness video)
• Favourites
• Self Transfer
• Set/Reset UPI PIN
• Change UPI PIN
• Link Credit Line on UPI
• Accessing Your QR Code from the ‘My Profile’ Section
• Manage UPI ID
  • Create UPI ID
  • Share/Download QR
  • Set as Primary ID
  • Create/Manage UPI Number
  • Link Account/Credit Card
  • Balance enquiry
  • Delete UPI ID
  • Set as Primary Account
  • De-link Account/Credit Card
  • Block My Mobile Number
  • Block/Unblock UPI IDs

1. Scan QR

The 'Scan QR' option is available to users under Quick Tasks on the Dashboard as well as in the Payments section. For added convenience, it is also accessible from the pre-login screen of the Union ease app.

2. Pay to Mobile

The 'Pay to Mobile' feature enables users to initiate UPI transactions using a mobile number. Users can either manually enter the number or select one from their contacts to proceed. The mobile number is verified through NPCI’s mapper database, and the corresponding UPI ID retrieved from NPCI is used to process the transaction.

For the convenience of users, the ‘Pay to Mobile’ feature has been made available on the pre-login screen of the Union ease app. Users can use this option to quickly initiate UPI payments using a mobile number just by logging into the application.

3. Pay to UPI ID/Number

Users can initiate UPI transactions by entering a UPI ID or number. This information is verified through NPCI/Payee PSP, and the receiver's details are displayed for user confirmation. After reviewing the details, the user can proceed with the transaction.

4. Pending Request

Collect requests initiated using the user's UPI ID or number will be listed in this section. The user can review the requestor's details and choose to approve or decline the request. Further, user will have the option to block & mark as spam the UPI ID from which the request was received if he/she is suspicious that the request is fraudulent.

5. Mandate/IPO

IPO (Initial Public Offering) requests initiated by the users to their Union bank UPI IDs will be displayed under ‘Pending’ tab. User needs to approve/decline the mandate(s) displayed under this tab. The ‘Active’ tab displays the approved mandate. The requests which are expired or declined will be listed under ‘Completed’ tab. Further, users have the facility to create P2P mandate using the “Create Mandate” option.

6. Link RuPay Credit Card

Users can link their RuPay Credit Card, issued by any bank, to the UPI ID within the Union ease app and use it to perform merchant transactions.

7. Transaction History

Transactions performed by the user through UPI will be listed under 3 categories i.e. Completed, Failed & Pending based on their status. For P2P (Person to Person) & P2M (Person to Merchant) pending transactions, users will be able to check the status and raise complaint, if required. Additionally, users will have the facility to raise a complaint for P2M (Person to Merchant) successful transactions in case of any dispute.

8. UPI Awareness

Video on ‘How to use UPI safely’ will be available under this section. Users can select the language of their choice among the 8 languages available and can view the video.

9. Favourites

Beneficiaries marked as favourite post the UPI transaction will be listed under this section. Along with favourites, the beneficiaries of the recent transactions will also be listed under ‘Recent’ sub section. This will allow users to initiate transactions on the go just by selecting the beneficiary from the list without the need to enter the UPI ID or mobile number.

Favourites that have already been added can now be easily removed by simply swiping left on the respective favourite entry and selecting the delete option. This provides a quick and convenient way for users to manage their favourites within the application.

10. Self Transfer

Self transfer feature allows users to easily transfer funds between their linked accounts through UPI. The accounts linked to UPI IDs in Union ease app will be eligible for self transfer.

11. Reset UPI PIN

• Savings/Current/Overdraft Accounts
  • UPI PIN for Savings/Current/Overdraft Accounts can be set or reset by entering last 6 digits of Debit card, Expiry Month & Year, ATM PIN followed by entering the OTP received on Registered Mobile Number.
• Credit Card
  • UPI PIN for Credit card can be set or reset by entering last 6 digits of Credit card and Expiry Month & Year followed by entering the OTP received on Registered Mobile Number.

12. Change UPI PIN

UPI PIN for an account can be changed through this option by entering the existing UPI PIN followed by entry & confirmation of new UPI PIN and answering the security questions.

13. Link Credit Line on UPI

Pre-sanctioned Credit Line accounts issued by Union Bank or any other Banks can now be linked to UPI in the Union ease app, similar to Savings Accounts/Current Accounts, and RuPay Credit Cards. It can be added by visiting Payment > UPI > Manage UPI ID > Link Credit Line.

For details on eligible schemes that can be linked under the Credit Line on UPI facility, customers may contact or visit their nearest Union Bank branch.

Once linked, customers can conveniently make UPI payments directly from their eligible Credit Line accounts.

14. Accessing Your QR Code from the ‘My Profile’ Section

For the convenience of users, the QR Code has been made easily accessible through the ‘My Profile’ section of the Union ease app.

Users can navigate to the ‘My Profile’ section, where their primary UPI ID is displayed below their name. By clicking on the QR icon available next to the UPI ID, users can instantly view and access their UPI QR Code for receiving payments.

15. Manage UPI ID

Users can perform multiple actions under this Manage UPI ID section. The list of actions that a user can perform are mentioned below.

• Create UPI ID

  Users can create upto 3 UPI IDs in the Union ease app. New UPI IDs can be created by clicking on the right arrow symbol availble next to UPI ID followed by ‘Create New UPI ID’. Users can navigate among the UPI IDs created using these arrow symbols available before or after UPI IDs.

• Share/Download QR

  Share/Download QR options are available under UPI IDs using which users can share or download the QR for the purpose of receiving funds through UPI.

• Set as Primary ID

  Users can set a UPI ID as primary using this set as primary ID option. If the user is having a UPI ID, by default it will be set as primary ID. In case of multiple UPI IDs created, user can set any UPI ID of his/her choice as primary UPI ID. The primary UPI ID set by the user will be displayed in the Dashboard under user name and will be the default UPI ID for initiating transactions from the Union ease app.

• Create/Manage UPI Number

  UPI Number is either the mobile number or any 8-9 digit number (based on the availability) that the user can link to his/her existing UPI IDs and use the number as an alternative to UPI ID.

  User can create a maximum of 3 UPI numbers in Union ease app out of which 1 should be the 10 digit mobile number of the user and 2 can be any 8-9 digit numbers.

  UPI Number can be created using the “Create UPI Number” option available under the UPI ID in the Manage UPI ID section.

  Users can perform the following actions on UPI Number:

  • Change Linked UPI ID:

    Users will be able to change the UPI ID linked to the UPI Number through this option.

  • Disable UPI Number:

    By default, the UPI number created will be in enabled status. Users should click on toggle button to disable the UPI Number in order to temporarily suspend the usage of UPI Number.

  • Enable UPI Number:

    UPI numbers which are in disabled status can be enabled by clicking on the toggle button to resume the transfer/receive of funds through UPI Number.

  • Delete UPI Number:

    User will be able to delete the UPI Number through this option. For 8-9 digit UPI Number, a cooling period of 6 months is applicable within which user can reclaim this number. Post 6 months, this UPI Number shall be made available to the entire ecosystem. For Mobile number (10 digits), user can reclaim whenever they want. There will be no cooling period for mobile number.

• Link Account/Credit Card

  Multiple accounts can be linked to a UPI ID. For linking accounts the user can use ‘Link Account’ option available under the UPI ID. For Credit cards, ‘Link Credit Card’ should be used.

• Balance enquiry

  The balance of the accounts or credit cards linked to the UPI IDs can be viewed by clicking on the ‘Show Balance’ option available against the account or credit card. User has to enter the UPI PIN to view the balance.

• Delete UPI ID

  Users will have the option to delete the UPI ID in case the user is having multiple UPI IDs. If the user is trying to delete a UPI ID which is set as Primary UPI ID, then the user will be requested to select another UPI ID as Primary UPI ID before deleting the UPI ID. If the user is having only one UPI ID or any mandates linked to the UPI ID, the same cannot be deleted.

• Set as Primary Account

  User can set an account as primary account for the UPI ID. The primary account will be the default account for UPI ID. Any UPI transactions initiated to the UPI ID will be credited to the primary account of that UPI ID.

• De-link Account/Credit Card

  This option allows the user to delink the already linked account or credit card. For delinking the account or credit card, user must click on the account or credit card and click on ‘De-Link Account’/’De-Link Credit Card’.

• Blocked UPI IDs

  The UPI IDs blocked under ‘Pending Request’ will be displayed under this section. User will have the option to unblock the UPI ID for receiving further collect requests from that UPI ID.

• Block My Mobile Number

  Under Block UPI IDs section, user will also have the option ‘Block My Mobile Number’, which can be used to block their own mobile number for UPI services. Once mobile number is blocked through this option, for unblocking, user has to visit the home branch and submit the unblock request.