Axis Pay is an application by Axis Bank which has Unified Payments Interface (UPI) enabled on it. Through Axis Pay, registered customers can now Send Money and Request Money using a Virtual Payment Address/ UPI ID.
Axis Pay can be used by both Axis bank and other bank customers.
Unified Payments Interface (UPI) allows all account holders to send and receive money using their smartphones with a single identifier – virtual payments address/ UPI ID – without entering any bank account information. Therefore, customers do not need to know the payee's or payer’s IFSC code, bank account details, etc.
A virtual payment address/ UPI ID is a unique identifier associated with your bank account. You can set your name or mobile number or anything else as your virtual payment address/ UPI ID which is easy to remember. Example: yourname@axisbank or mobilenumber@axisbank etc. A virtual payment address can be used instead of Account number and IFSC for transferring funds using UPI.
The Axis Pay app allows you to Send or Ask for money using Virtual Payment Address/ UPI ID. You can link any bank account to the VPA/UPI ID. Both Axis Bank and other Bank customers can also check their account balance on Axis Pay.
No. The same features are available to both Axis Bank and non-Axis Bank Customers.
Axis Pay can be downloaded from the Google Play Store for Android devices.
Axis Bank offers Axis Pay free of charge. You can download and use this application as and when you need to without any charges levied by the Bank. Your mobile operator may levy charges for GPRS/SMS used. Please check with your operator for details.
The actual download time depends on the speed of data connectivity offered by your mobile operator.
Axis Pay is user specific. It requires a 6 digit passcode to login to Axis Pay. For security reasons, you are requested not to share your Axis Pay Passcode with anyone.
You will need to download the application again on your handset from the play store.
The appearance of Axis Pay may differ slightly on different phones, however, its functions and operations will remain the same irrespective of the mobile handset being used.
In case you download and register on Axis Pay using a new device, Axis Pay installed on the old device automatically gets de-registered.
Once you have registered for Axis Pay and wish to send or ask money, you will have to follow the one time process of creating your UPI ID and linking it to your preferred bank account. You need to select your preferred bank account from the list. To authenticate the account linking process, you need to enter the last 6 digits of your Debit Card number and expiry month and year (MMYY) and OTP ( that will be sent by your bank) .Post authentication, you will be asked to set a unique UPI PIN for your account.
To send money, select your UPI ID and the payee’s UPI ID. Enter the amount you want to transfer and authenticate the transaction by entering the UPI PIN which you had set following the above process.
To ask for money, select your UPI ID and the payer’s UPI ID. Enter the amount you want to receive. Your request is sent to the payer/person from whom you have requested for money. Payer will receive the notification of your ‘ask request’ which he/she can approve by entering the UPI PIN which he/she would have set following above process. Payer can also choose to decline the ask request.
This is either because the verification SMS is not sent from the device, network error or the device does not have a SIM. Please ensure that your phone has data connectivity. If the problem persists, please delete the application, download and try registering again.
You can simply reconnect to Axis Pay and verify your transaction history to check if the transaction has been executed before initiating a fresh transaction.
Yes, as long as you have GPRS activated on your mobile number, subject to availability of the network, you can access Axis Pay anywhere in the country. Please keep in mind that you might be charged special roaming rates for using GPRS.
You will have to download the application again from the Google playstore and register.
To add a contact,
1) Select 'My Axis Pay Contacts' in side menu
2) Click on the ‘+’ option at the bottom of the screen and enter UPI ID of the contact
3) Enter the nickname of the contact to be added. Verify the details and Save.
To delete a contact,
1) Select 'My Axis Pay Contacts' in side menu.
2) Select the delete icon to delete the contact.
Yes, you can add more than one bank account in Axis Pay. You can add both Axis Bank and Non Axis Bank Accounts to Send and Ask for money.
Yes, you can add any bank account enabled on UPI in Axis Pay.
The maximum transaction limit for every fund transfer transaction in Axis Pay is Rs 1,00,000 ( One lakh).
No. You cannot send money without setting an UPI PIN for a particular bank account.
The money will be debited instantly from your account.
Yes, you can set the expiry time. You can set an expiry time from 1 day to 45 days, from the date of initiation of the transaction.
You can see your past transactions under 'My Transaction' available on the side menu of your Axis Pay application.
You can raise your query pertaining to a transaction using Axis Pay.
Yes, you can transfer money using account number and IFSC of the beneficiary, in case you do not have a virtual payment address/UPI ID of the beneficiary.
There is no limit to the number of accounts that can be added for receiving money.
This may be due to congestion in your service provider’s data network. So, it might take a little time to complete the transaction.
Axis Pay is available to you free of cost. However, standard data access rates will be applicable as per your telecom service provider for using Axis Pay.
You can generate your customized QR code using the "GENERATE QR CODE " feature available on the login screen or inside the app.
After the QR is generated. You can share this QR code to accept payments.
You can scan any UPI QR codes using "Scan & Pay" option available on the login page or inside the app
Select Recharge option, and then select mobile recharge option. Enter mobile number, select the operator, enter amount, Select Debit Account and enter the UPI PIN. Your prepaid mobile will be recharged.
Yes, you can use this service even if the service provider has changed using number portability. Please enter your new mobile operator and other details and submit.
You can do a maximum recharge of Rs. 2000 through the app for a mobile number. Three successful recharges can be processed for the same Mobile Number per day. The overall recharge limit (Prepaid Mobile, DTH recharge) per account would be Rs. 5000 per day.
Maximum recharge amount is Rs 3000 per subscriber ID. Please check with the service provider for various recharge options available for DTH. Total three transactions can be processed for the same DTH number per day. The overall SMS recharge limit (Prepaid Mobile, DTH) per account would be Rs. 5000 per day.
This facility is free of cost by Axis Bank. Charges may be applied by the mobile/DTH operator.
For Recharge you can use any bank account enabled on UPI that is linked to your BHIM Axis Pay UPI app.
While doing Recharge, account is debited immediately. If you have entered an invalid number/ postpaid number, the amount will be credited back to your account within 4 working days.
You have to be careful while entering the mobile number / DTH subscriber ID for recharge. In case a wrong mobile number/ DTH subscriber ID has been recharged by mistake, the amount will not be reversed to your account.
This could be due to various reasons like
• Recharge denomination not available
• Postpaid mobile number ( in case of mobile recharge)
• Operator system not available
In case your recharge is unsuccessful, the amount will be credited back to your account within 4 working days. Please check your account statement before reinitiating the transaction to ensure duplicate request is not processed.
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In case there is a fraud in your account using UPI , you need to immediately report to your bank. For more details please click here