How to Send Money via UPI
UPI lets you send money instantly from your bank account to someone else's bank account. You need internet, an Indian bank account and the mobile number linked to that bank. A UPI PIN is needed to send money, not to receive it.
What you'll learn in this guide
- Sending money to a UPI ID or phone number
- Paying by QR code
- Staying safe with your UPI PIN
In this guide
1Send money to a UPI ID or number
The receiver is found by UPI ID, VPA, phone number or name.
- Open your UPI app (for example, Google Pay).
- In the top search bar, type the receiver's UPI ID, VPA, phone number or name.
- Select the receiver and tap Pay.
- Enter the amount you want to send.
- Tap Proceed.
- Enter your UPI PIN and confirm the payment.
- After payment, check the confirmation and the SMS from your bank.
2Pay by QR code
Scan any UPI QR code to pay.
- To pay by QR code, tap Scan any QR code, scan the code, then enter the amount and UPI PIN.
💡 Pro Tip
Before sending, double-check the receiver's name and the amount, because a UPI payment cannot be cancelled after it is sent.
Frequently asked questions
What is a UPI PIN?
As per NPCI, the UPI PIN is a 4–6 digit passcode created during first-time registration and entered to authorise every bank transaction.
Should you share your UPI PIN with anyone?
No, never — NPCI says do not share your UPI PIN, and bank customer support will never ask for it.
What happens if you enter a wrong UPI PIN?
The transaction fails; entering the wrong PIN repeatedly may lead the bank to temporarily block sending money via UPI (this varies by bank).
What do you need to send money via UPI?
An internet connection, an Indian bank account and an Indian phone number.
What if the payment fails but money is debited?
Google Pay says the bank may first debit the money and then refund it, so you may receive two SMS messages — one for the debit and one for the refund.