UPI Payment Guide
Complete guide to making fast and secure UPI payments on 10NR. Learn how to pay using Google Pay, PhonePe, Paytm, and other UPI apps.
What is UPI?
UPI (Unified Payments Interface) is India's instant real-time payment system developed by NPCI (National Payments Corporation of India). It allows you to instantly transfer money from your bank account to anyone using just a UPI ID or scanning a QR code - no need to enter card details, account numbers, or IFSC codes.
Why Choose UPI? Instant confirmation, no card details required, works 24/7 including holidays, free for most transactions, and highly secure with bank-level authentication.
Supported UPI Apps
10NR accepts payments from all UPI apps. Here are the most popular ones:
Google Pay (GPay)
Google's UPI app with simple interface and cashback offers.
- ✓ Quick QR code scanning
- ✓ Payment via phone number
- ✓ Multiple bank accounts
- ✓ Bill payments and recharges
PhonePe
Popular UPI app with wide merchant acceptance.
- ✓ Fast and secure payments
- ✓ Cashback and rewards
- ✓ Multiple payment modes
- ✓ Insurance and gold investment
Paytm
All-in-one payment app with UPI and wallet.
- ✓ UPI + Wallet combo
- ✓ Postpaid services
- ✓ Bill payments
- ✓ Shopping and deals
BHIM (Bharat Interface for Money)
Government's official UPI app - simple and secure.
- ✓ NPCI developed
- ✓ Lightweight app
- ✓ Multi-language support
- ✓ Works on basic phones
Amazon Pay
Amazon's UPI service integrated with shopping.
- ✓ Amazon cashback
- ✓ Shopping integration
- ✓ Bill payments
- ✓ Rewards program
Bank UPI Apps
Your bank's own UPI app (SBI Pay, iMobile, etc.).
- ✓ Direct bank integration
- ✓ Higher transaction limits
- ✓ Account management
- ✓ Bank-specific features
Pro Tip: All UPI apps work the same way at checkout. Choose the one you're most comfortable with or that offers the best cashback for your transaction.
Setting Up UPI (First Time)
If you haven't used UPI before, here's how to set it up. We'll use Google Pay as an example, but the process is similar for all UPI apps.
Download UPI App
Download your preferred UPI app from Google Play Store or Apple App Store. Popular choices: Google Pay, PhonePe, Paytm, or your bank's UPI app.
Verify Mobile Number
Open the app and verify your mobile number with OTP. Important: Use the same mobile number that's registered with your bank account.
Note: Your mobile number must be linked to your bank account for UPI to work. Contact your bank to update mobile number if needed.
Add Bank Account
The app will automatically detect banks linked to your mobile number. Select your bank and verify with the OTP sent to your registered mobile.
You can add multiple bank accounts and switch between them for payments.
Set UPI PIN
Create a 4 or 6-digit UPI PIN. You'll need to enter last 6 digits of your debit card and its expiry date to set the PIN.
Security Important
- • Never share your UPI PIN with anyone
- • Don't use easily guessable PINs (1234, DOB, etc.)
- • Different from ATM PIN (for security)
- • Change PIN regularly
Create UPI ID (Optional)
Your UPI ID (Virtual Payment Address) is automatically created, usually as yourname@bankname or yourname@paytm. You can customize it in most apps.
Example UPI IDs: john.smith@paytm, 9876543210@ybl, myname@oksbi
Ready to Pay!
Your UPI is now set up and ready to use. You can make payments by scanning QR codes, entering UPI IDs, or using app links.
Success! You can now make instant payments on 10NR and millions of other merchants across India.
How to Pay with UPI on 10NR
10NR offers three convenient ways to pay with UPI. Choose the method that works best for you.
Method 1Pay with UPI ID
- At checkout, select "UPI" as payment method
- Choose "Pay with UPI ID"
- Enter your UPI ID (e.g., yourname@paytm)
- Click "Pay Now"
- A payment request will be sent to your UPI app
- Open your UPI app notification
- Verify payment details and amount
- Enter your UPI PIN to authorize
- Payment confirmed instantly!
Best For: When you know your UPI ID and want the fastest checkout. Great for desktop/laptop users.
Method 2Scan QR Code
- At checkout, select "UPI" as payment method
- Choose "Scan QR Code"
- A QR code will be displayed on screen
- Open any UPI app on your phone
- Tap "Scan QR" in your UPI app
- Scan the QR code displayed on 10NR
- Verify payment details and amount
- Enter your UPI PIN to authorize
- Payment confirmed instantly!
Best For: Shopping on desktop/laptop and paying from phone. Quick and convenient with any UPI app.
Method 3Direct App Payment (Mobile)
- At checkout, select "UPI" as payment method
- Choose your UPI app from the list (GPay, PhonePe, Paytm, etc.)
- Your UPI app will open automatically
- Payment details are pre-filled
- Verify amount and merchant name
- Enter your UPI PIN to authorize
- You'll be redirected back to 10NR
- Payment confirmed instantly!
Best For: Mobile users. Fastest method - just one tap to open your UPI app and complete payment.
UPI Transaction Limits
Per Transaction Limit
₹1,00,000
Maximum amount you can send in a single UPI transaction (standard limit set by NPCI)
Daily Limit
₹1,00,000
Total amount you can send per day across all UPI transactions (varies by bank)
Minimum Amount
₹1
Minimum transaction amount for UPI payments
Processing Time
Instant
Real-time payment confirmation (2-5 seconds typically)
Note: Some banks may have different limits. Check with your bank or in your UPI app settings for your specific limits. You can request limit increases through your bank.
UPI Safety & Security
How UPI Keeps Your Money Safe
🔐 Two-Factor Authentication
Every payment requires your device + UPI PIN. Can't be completed without both.
🏦 Bank-Level Security
Regulated by RBI and NPCI with same security standards as online banking.
🔒 Encrypted Communication
All data transmission is encrypted end-to-end. Your bank details are never shared.
📱 Device Binding
UPI tied to your phone. Can't be used on another device without re-registration.
UPI Safety Best Practices
✓ DO
- • Keep your UPI PIN confidential - never share with anyone
- • Verify merchant name and amount before entering PIN
- • Use strong UPI PIN (avoid 1234, DOB, repeated digits)
- • Enable app lock/biometric authentication on UPI apps
- • Update your UPI app regularly
- • Check transaction history regularly
- • Report suspicious transactions immediately
✗ DON'T
- • Never share your UPI PIN, even with customer support
- • Don't save UPI PIN anywhere (notes, screenshots, etc.)
- • Never accept payment requests from unknown sources
- • Don't click suspicious payment links in SMS/email
- • Never install UPI apps from unofficial sources
- • Don't share OTP with anyone claiming to be from bank
- • Avoid using UPI on public/shared devices
⚠️ Fraud Alert
No one from 10NR, your bank, or UPI provider will ever ask for your UPI PIN. If someone calls/messages asking for your PIN, OTP, or asks you to install remote access apps - it's a scam. Report immediately to cybercrime.gov.in or call 1930 (national cybercrime helpline).
Common UPI Payment Issues
❌ "Transaction Failed" Error
Payment attempt failed with error message.
✓ Solutions
- • Check internet connection (switch to mobile data/WiFi)
- • Verify sufficient balance in bank account
- • Ensure you haven't exceeded daily UPI limit
- • Try a different bank account if you have multiple
- • Clear UPI app cache and retry
- • Update UPI app to latest version
- • Contact your bank if issue persists
❌ "Invalid UPI PIN"
PIN entered is incorrect or not working.
✓ Solutions
- • Re-enter PIN carefully (check caps lock, num lock)
- • If forgotten, reset UPI PIN in your app settings
- • Need debit card details (last 6 digits + expiry) to reset
- • After 3 wrong attempts, UPI may be temporarily blocked
- • Wait 24 hours or contact bank to unblock
❌ Payment Stuck/"Pending" Status
Money deducted but merchant not received payment confirmation.
✓ Solutions
- • Don't panic - this is temporary
- • Wait 30 minutes - most pending transactions auto-resolve
- • Check your UPI app transaction history for status
- • If failed, money auto-refunds within 24 hours
- • Don't retry payment immediately to avoid duplicate charge
- • Contact 10NR support with UPI transaction ID if stuck beyond 2 hours
❌ "Bank Server Down" Error
Unable to connect to bank's UPI server.
✓ Solutions
- • Bank servers may be under maintenance
- • Wait 15-30 minutes and retry
- • Try paying with different bank account
- • Use alternative payment method temporarily
- • Check bank's social media for server status updates
❌ "Risk Threshold Exceeded"
Transaction blocked by bank's fraud detection system.
✓ Solutions
- • This is a security feature to prevent fraud
- • Contact your bank immediately to verify transaction
- • Bank may ask security questions to confirm it's you
- • Transaction will be unblocked after verification
- • Avoid multiple rapid payment attempts
UPI Refunds
How UPI Refunds Work
If your order is cancelled or a refund is issued, the amount is returned directly to your bank account (the same account you paid from).
Refund Timeline
Failed Transactions: Auto-refund in 24 hours
Order Cancellation: 3-5 business days
Returns: 5-7 business days after verification
Refund Destination
Refunds are processed to the original bank account used for payment. You cannot request refund to a different account.
Tracking Your Refund
- Go to Dashboard → My Orders
- Find the refunded order
- Click to view refund status
- You'll see refund tracking with expected date
- Check your bank account/UPI transaction history
Note: Refund amount will appear in your bank account's UPI transaction history with reference to 10NR or the payment gateway. It may take 1-2 days for balance to reflect after refund is processed.
Need Help with UPI Payments?
If you're experiencing issues with UPI payments or have questions about a transaction, our support team is here to help. Have your UPI transaction ID ready for faster assistance.