UPI kya hai aur yah kaise kaam karta hai?
UPI ka pura naam UNIFIED PAYMENT INTERFACE hai. UPI ka upyoag online payment ke liye kiya jata hai. UPI ek mobile based payment system hai. Joki NPCI dwara sanchalit hota hai. UPI sabse Advance Payment system hai jisme apko sirf Mobile No. ya Virtual Id (VPA) ki jarurat padti hai, baaki apko apna Bank account number, branch name, Ifsc code etc.. kuch bhi yaad rakhne ki jaroorat nhi.
UPI ke Faiyde 2019
1. Iske maadhyam se app 24×7 Fund transfer kar sakte hai.
2. App isme kisi bhi Bank account ko Add kar sakte hai joki UPI me samil ho.
3. kewal VPA ke maadhyam se kisi ko bhi Paise bhej (money payment) sakte hai aur paise prapt (Money Receive) karne ke k liye Request bhi bhej sakte hai.
4. Apne account ki details yaad rakhne ki jrurat nhi.
5. VPA, Adhaar Number, Mobile Number, aur MMID ke madhyam se paise (Money) bhejne ki facility (suwidha) milti hai.
UPI ki khuc khash baate 2019
1. UPI puri trah mobile based payment method hai.
2.UPI me apko apni Banking jankaari jaise Account number, IFSC code, bank branch kuch yaad ya share karne ki jarurat nhi hoti.
3. Ye process dusre sabhi online fund transfer service jaise NET BANKING se jayada Tez aur surakchit hai.
4. UPI apps ko ishtemal karna bohot hi saral hai yadi apke paas SMARTPHONE nhi hai to aap Basic phones se *99# dial kar bhi iska upyoag kar sakte hai.
UPI Kaise kaam karta hai ?
Jaise ki humne apko bataya ki upi bohot hi Advance payment system hai. UPI ko ishtemaal karne ke liye apko sirf ek VPA ( VIRTUAL PAYMENT ADDRESS) ki jarurat padti hai. Virtual Id bilkul EMAIL ID ki trah hoti hai. jaise har insaan ki EMAIL ID alag- alag hoti hai waise hi har insaan (person) ka VPA Address alag-alag hota hai.
Example ke taur par: abc@upi jhaa 'abc' apka naam, bank name ya mobile number, Email Id ho sakta hai.
Ab agar apko kisi person (waikti) paise transfer karne hai to apko sirf uske VPA ki jarurat hogi isi prakar agar apko payment Receive karna hai to sirf apna VPA share karne ki jarurat hai, apni banking details dene ki jarurat nhi.
UPI fund transfer karne ki RTGS ya NEFT se bhi Tez service hai Upi. Iske madhyam se 24 hours kisi bhi time kisi bhi bank account me money transfer kar sakte hai. ish process me paise turant Paraptkarta (Receivers) ke account me pahoch jaate hai.
Agar kisi person ke paas VIRTUAL ID nahi hai to aap Account No. aur Ifsc Code ya Adhaar no. se bhi payment bhej sakte hai.
UPI ke maadhyam se aap merchant payment bhi kar sakte hai. app payment QR Code scane, mobile number, ya Upi Id se kar sakte hai. uske baad waha apko dukaandaar ko apna VIRTUAL ID batani hogi aur payment confirm karna hoga.
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UPI me Register kaise kare?
UPI me Register karne ke liye sabse pahle app apne BANK ya 3rd Party ke UPI apps PLAYSTORE se Download kar phone me install kare aur niche diye gaye step ko follow kare.
Popular 3rd party apps in Playstore: Google Pay (Tez), Phonepe, Bhim upi.
1. Apps Install karne ke baad ise apne phone me open kare. Apps khulte hi apke samne welcome screen show hoga. app apne bank register Mobile no. se daal k entre kare.
2. Apps apke Register Mobile no. par OTP (One time Password) message bhejega jisse madhyam se apko mobile number verify karna hoga.
3. Verification ke baad apko term & condition ko agree karna hai. Uske baad apni profile fill karni hai aur login pin set karna hai.
4. Agle step me apko apna bank account jodna hai aur apna VPA Address create karna hai jisse app payment accept karne ke liye share kar sakte hai.
5. Agle step me UPI PIN set karna hoga jisme apko apne ATM/DEBIT CARD ke last 6 digit no. ko enter karna hoga. Uske baad fir se apko apke Register mobile no. par OTP aayega jise Enter karna hoga fir apko apna UPI PIN enter kar confirm karna hoga. Abb apke paas successful ka massage prapt ho jayega iska matlab yah hai ki abb app UPI ka use kar sakte hai.
Note:- Bank se Register mobile no. app jis phone me upi apps install kiye hai usi phone me hona jaruri hai.
Ummid hai UPI ki jankari apko pasand aayi hogi aur aap jaan gaye honge ki UPI kya aur kaise kaam karta hai. App apne vicharo ko comment box me jarur share kare.
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