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Unified Payments Interface (UPI) has become very handy for all day-to-day digital transactions, offering a seamless and instant payment experience. One of its key advantages is the ability to make quick and secure payments via QR codes, which eliminates the need for cash or card swipes. However, while onboarding a UPI app, you may require debit card verification. To enhance security, users can link their debit cards for verification, ensuring a safe and authenticated transaction process before enabling UPI payments on their mobile banking apps.
All banks, by default, request a debit card during UPI opening since it enables them to verify your account details and establish a UPI PIN. The benefit is that even you can use UPI without a debit card.
If your bank allows Aadhar-based UPI registration, then you can follow the below steps:
This method has the potential to offer UPI services of bill payment, online payment, and money transfer to non-debit card holders.
To obtain a UPI ID without a debit card, make sure your bank has an Aadhaar-based UPI registration. Alternatively, you can:
Digital payments need to go universal. UPI filled the gap by allowing one to make payments seamlessly, even in the non-debit card world.
IDFC FIRST Bank offers seamless registration of UPI through digital savings accounts. Customers have:
IDFC FIRST Bank provides secure online banking facilities to enable easy payments and UPI activation with or without a debit card.
Though the debit card is not the conventional pre-requisite for UPI, Aadhar-based registration enables customers to leverage this facility. IDFC FIRST Bank makes UPI easy with digital savings accounts, interest-sweet returns, and transaction security. Choose the appropriate banking partner and make digital payments easy today!