Unified Payment Interface

We are offering UPI to our customers as well us non-customers through our mobile banking application FedMobile.

Link to Download our UPI App

                     Scan QR code to Install

List of Third Party App Providers supported by Federal Bank 

• How To Activate UPI App?

1. Start using UPI by downloading any UPI app such as FedMobile from Google play/app store (Federal Bank & Non- Federal Bank Customers)
2. For device bidding and security, an auto SMS will be sent to banks registered mobile number (Standard SMS charges apply)
3. Create your profile by entering username, email address, 4-digit login password and confirm 4-digit login password section.
4. Your Virtual Payment Address (eg:- mobilenumber@federal in case of FedMobile) will be displayed at the top of the screen.
5. Link the bank account number to the virtual Id and set UPI PIN

• How to set UPI PIN?

1. Login into UPI APP
2. Select the bank and account number for which you want to set UPI PIN
3. Enter last 6 digits of Debit Card, Expiry, PIN and OTP details sent by bank to the registered mobile number.
4. Enter new UPI PIN two times to Set/Reset UPI PIN

• How to Make Payment?

1. Open your UPI app and login into your account
2. Enter the UPI Id of the beneficiary/Payee 
3. Select the account you want to make payment from
4. Enter the amount to pay & provide UPI PIN
5. User will get the notification of money debited 

• How to Receive Money?

1. Open your UPI app and go to Receive Money option
2. Enter payer UPI Id, amount, and account to be credited (if multiple accounts are linked) 
3. The payer will get the notification on his app for request money
4. Payer then decides to accept or decline
5. In case of accept payment, payer will enter UPI PIN to make the transaction
6. Payee will receive the notification after receiving the amount
    

• Maximum allowed transaction limit is Rs.1,00,000/- in a 24-hour cycle
• Maximum number of P2P transactions in 24 hours is 10 per account (within the Rs.1,00,000/- limit)
• In case of verified merchants, transactions up to Rs 2 Lakh is allowed in 24 hour cycle
• Transactions up to Rs 5 Lakh is allowed for specific categories (Retail Direct Scheme and UPI based ASBA IPO)
• For the very first UPI transaction, the maximum allowed amount is capped at Rs 5000. An aggregate transaction limit of Rs 5000 is applicable for next 24 hours after the first transaction
• For every UPI PIN Set/Reset, aggregate transaction limit of Rs 5000 is applicable for 24 hours

• Payer PSP - Bank which powers the UPI app used by the payer to initiate the transaction
• Payee PSP- Bank which powers the UPI app used by the payee to receive the payment
• Remitter/ Issuer Bank - Bank which maintains the account that got debited in a UPI payment transaction  
• Beneficiary/Acquiring Bank: Bank which maintains the account that got credited in a UPI payment transaction  
• NPCI- Central entity that switches the transaction between banks. National Payments Corporation of India (NPCI), an umbrella organization for operating retail payments and settlement systems in India
• Third Party App Provider (TPAP): Entity that has been engaged by PSP bank to provide app to the customers. (Eg:- PhonePe, GPay etc)
   

Customers can send an SMS with keyword BLOCKUPI to number 9895088888 or 5676762 to block UPI transactions in their federal bank account. Upon receipt of the SMS, bank will block UPI in all eligible accounts linked to the mobile number from which SMS is received. A response message will be sent back to the same mobile number, based on the status (Success or Failure) of the request processed.

To report unauthorized UPI transactions in your federal bank account,  Click here 

NPCI Dispute redressal portal

Roles and Responsibilities of NPCI

1. NPCI owns and operates the Unified Payments Interface (UPI) platform.
2. NPCI prescribes rules, regulations, guidelines, and the respective roles, responsibilities and liabilities of the participants, with respect to UPI. This also includes transaction processing and settlement, dispute management and clearing cut-offs for settlement.
3. NPCI approves the participation of Issuer Banks, PSP Banks, Third Party Application Providers (TPAP) and Prepaid Payment Instrument issuers (PPIs) in UPI.
4. NPCI provides a safe, secure and efficient UPI system and network.
5. NPCI provides online transaction routing, processing and settlement services to members participating in UPI.
6. NPCI can, either directly or through a third party, conduct audit on UPI participants and call for data, information and records, in relation to their participation in UPI.
7. NPCI provides the banks participating in UPI access to system where they can download reports, raise chargebacks, update the status of UPI transactions etc.

Key Roles and Responsibilities of PSP Bank

1. PSP Bank is a member of UPI and connects to the UPI platform for availing UPI payment facility and providing the same to the TPAP which in turn enables the end-user customers / merchants to make and accept UPI payments.
2. PSP Bank, either through its own app or TPAP’s app, on-boards and registers the end-user customers on UPI and links their bank accounts to their respective UPI ID.
3. PSP Bank is responsible for authentication of the end-user customer at the time of registration of such customer, either through its own app or TPAP’s app.
4. PSP Bank engages and on-boards the TPAPs to make the TPAP’s UPI app available to the end-user customers.
5. PSP Bank has to ensure that TPAP and its systems are adequately secure to function on UPI platform.
6. PSP Bank is responsible to ensure that UPI app and systems of TPAP are audited to safeguard security and integrity of the data and information of the end-user customer including UPI transaction data as well as UPI app security.
7. PSP Bank has to store all the payments data including UPI Transaction Data collected for the purpose of facilitating UPI transactions, only in India.
8. PSP Bank is responsible to give all UPI customers an option to choose any bank account from the list of Banks available on UPI platform for linking with the customer’s UPI ID.
9. PSP Bank is responsible to put in place a grievance redressal mechanism for resolving complaints and disputes raised by the end-user customer.

Role and Responsibilities of TPAP

1. TPAP is a service provider and participates in UPI through PSP Bank. TPAP is responsible to comply with all the requirements prescribed by PSP Bank and NPCI in relation to TPAP’s participation in UPI.
2. TPAP is responsible to ensure that its systems are adequately secure to function on the UPI platform.
3. TPAP is responsible to comply with all applicable laws, rules, regulations and guidelines etc. prescribed by any statutory or regulatory authority in relation to UPI and TPAP’s participation on the UPI platform including all circulars and guidelines issued by NPCI in this regard.
4. TPAP has to store all the payments data including UPI Transaction Data collected by TPAP for the purpose of facilitating UPI transactions, only in India.
5. TPAP is responsible to facilitate RBI, NPCI and other agencies nominated by RBI/ NPCI, to access the data, information, systems of TPAP related to UPI and carry out audits of TPAP, as and when required by RBI and NPCI.
6. TPAP shall facilitate the end-user User with an option to raise grievance through the TPAP’s grievance redressal facility made available through TPAP’s UPI app or website and such other channels as may be deemed appropriate by the TPAP like email, messaging platform, IVR etc.

Dispute Redressal Mechanism

1. Every end-user customer can raise a complaint with respect to a UPI transaction, on the 
2. PSP app/TPAP apps.
3. End -user customer can select the relevant transaction and raise a complaint in relation thereto
4. A complaint shall be first raised with the relevant TPAP in respect to all UPI related grievances/complaints of the end-user customers on-boarded by the PSP Bank (if the UPI transaction is made through TPAP app). In case the complaint/grievance remains unresolved, the next level for escalation will be the PSP Bank, followed by the bank (where the end-user customer maintains its account) and NPCI, in the same order. After exercising these options, the end-user customer can approach the Banking Ombudsman and/or the Ombudsman for Digital Complaints, as case may be.
5. The complaint can be raised for both the types of transaction i.e., fund transfer and merchant transactions.
6. The end-user customer shall be kept communicated by the PSP/TPAP by means of updating the status of such end-user customer’s complaint on the relevant app itself.