How To Transact Money Using BHIM Apps ?

Bharat Interface for Money (BHIM) is an application which enable individual to make simple, easy and quick payment transactions using Unified Payments Interface (UPI). 

One can easily transact through any of the bank account instantly and collect money using registered Mobile number or Payment address. 

Read : How To Install BHIM Apps For iOS ?

The various option of transaction which can be done through BHIM application on Android as well as iOS devices are : 

1. Send Money – Using this option, you can send money to anyone using Virtual Payment Address (VPA), Account no & IFSC and QR Scan.


2. Request Money – Using this option, you can collect money by entering Virtual Payment Address (VPA). Additionally through BHIM App, one can also transfer money using Mobile No. (Mobile No should be registered with BHIM or *99# and account should be linked).


3. Scan & Pay- Using this option, you can pay by scanning the QR code through Scan & Pay & generate your QR option is also present.


4. Transactions – Using this option, you can check transaction history and also pending UPI collect requests (if any) and approve or reject. You can raise complaint for the declined transactions by clicking on Report issue in transactions.


5. Profile – Using this option, you can view the static QR code and Payment addresses created. You can also share the QR code through various messenger applications like WhatsApp, Email etc. available on phone and can also download the QR code.


6. Bank Account – Using this Option, you can see the bank account linked with your BHIM App and its PIN status. You can set/change your UPI PIN. You can also change the bank account linked with BHIM App by clicking Change account provided in Menu. Also you can check Balance of your linked Bank Account by clicking “REQUEST BALANCE”.

Read :  How To Send Money Using BHIM Apps Aadhaar Payment ? 

Steps to Install and Transact through BHIM:

First Time User:

Step 1: Download and Install BHIM app from Google Play store

Step 2: Select your preferred language.

Step 3: Select SIM which has mobile number that is registered with bank 

Step 4: Login by setting a 4 digit application password

Step 5: Link your bank accounts using bank account option

Step 6: Set your UPI PIN by providing last 6 digits of debit card and expiry date of debit card

Step 7: Visit Profile option and set virtual payment address (VPA)s (2 virtual payment address (VPA)s are allowed per user 1. mobilenumber@upi, 2. yourname@upi)

Step 8: Set one virtual payment address (VPA) as a primary virtual payment address (VPA) ( Ex. name@upi can be primary virtual payment address (VPA) making it easy to share with others)

Step 9: QR code feature is available, by using Scan and Pay option send and collect money anytime

Step 10: Send, receive, collect money using virtual payment address (VPA), Account number + IFSC ,Scan and Pay option