UPI Application Checklist

Purpose of Document

The purpose of the below Checklist is to ensure that the UPI based Application (Android & IOS) have
the same look and feel across applications of different entities. The Field Marked with * has to be
filled by NPCI official only after ensuring sanctity of product.

Note: - Application release in public domain cannot happen without this Checklist clearance.

Level 1:- How to Download an UPI enabled Application.

Sr. Location Bank/PSP Name in Mandatory*

the App name /Optional Yes / No*
a Play Store (Android) M
B App Store (IOS) M
C Windows Store O

* - As per the UPI PG

Level 2:- Home screen checklist

Sr. Transaction Type Mandatory/

Optional Yes / No*
1. English M

language interface on App 2. Hindi O

A
3. others O

B Send (Push) 1. Virtual Address M

(VPA)
2. Account / IFSC M
3. Mobile
No/MMID O
4. Aadhaar M
C Collect (Pull) 1. Virtual Address M
2. Aadhaar O
D Add/Link a Bank A/C M
E Transaction history
M
 UPI Application Checklist

Last 6 digit of
F Mobile Banking registration 1. Card No. &
Expiry date is M
manual entry.
2. Picture/Scan O
G Generate UPI Pin/ Set UPI Pin 1. Last 6 digit of
Card No. & Expiry
date is manual
Entry. M
2. Picture/Scan O
Virtual Keypad option on CL M
pg & removal of original
Keypad
H ATM PIN option to generate ATM PIN M
while setting UPI PIN
Display box to show entry of M
UPI PIN
I Change UPI Pin Old UPI Pin & new UPI Pin
is manual entry M
J UPI PIN to be renamed as M
"UPI PIN"
Forget UPI Pin option on CL pg M

Resend OTP option on CL pg M

K Auto read OTP (Applicable on M

Android)
Manually type OTP M
(Applicable on IOS)
L Log a complaint M

M Virtual ID (VPA)should only M

contain a-z, A-Z, 0-9, .(dot), -
(hyphen)
N Instructions to create virtual O
id (VPA)
O Instructions/Steps to create M
UPI Pin
P Application password for login M
Q Forgot password option The password can again be M
set through email
verification or by asking
security question to user.
R Change Application Password M
 UPI Application Checklist

Level 3:- How to register and deregister on PSP application.

Sr. Action Mandatory/Optional Yes / No*

A Mobile no should be fetched at M
the time of mobile banking
registration.
A.1 Device binding by sending M
message automatically
(Applicable on Android)
A.2 Device binding by sending M
message manually (Applicable
on IOS)
B Encrypted SMS from App
without User intervention M
B.1 Type of Encryption M
B.2 Choice of SIM Selection M
should be there in case of
Dual SIM phones. (Applicable
on Android)
B.3 No choice of Sim selection M
(Applicable on IOS)

C Profile Creation M
D VPA Creation M
E Application password
management M
F Login Page to restart
application M
G Deregistration from PSP App M
H Deletion of Account linked to
VPA M
I Deletion of VPA M
J User should be able to SET UPI M
PIN using any debit card
assigned to him
K SMS notification to user M
L Mobile Number Registration M
Confirmation for -
a) In case if Mobile no. not
registered
 UPI Application Checklist

b) Mobile no. registration for

SMS alerts
c) Mobile no. registration for
mobile banking
M 1 Lakh limit to be available at M
each PSP and issuer bank per
transaction & per day
N Banks to integrate updated M
common library
O Default collect timeout to be M
30 min (if customer does not
specify)
P On the fly transaction should M
be available in PSP application
Q Log a complaint to be M
available under each
transaction in History
S RGCS response for Customer M
complaint to be displayed on
front end PSP App and
SMS/notification to be sent
T Collect Notification to be M
present in PSP
The notification
should contain expiry
date and expiry time
U Alert for first time collect M
Request
V Blocking or SPAM collect M
Request
W Intent Call functionality and M
response handling
X Transaction history to be M
available Date-wise

Level 4:- Add a bank Account / VPA & Account handling

Sr. Actions Mandatory/Optional Yes / No*

 UPI Application Checklist

A List of bank to be displayed

as an Issuer in drop down
menu M
B List of bank to be displayed as
an Issuer in drop down menu
to be
search by start letter of the M
bank
C If customer registered for
MB display Set UPI Pin
transaction based on Debit
card last 6digit & expiry date
followed
by OTP from Issuer M
OR
If customer has UPI PIN, app
should provide option –
“Continue with Existing UPI
PIN”.
D If customer not registered
for MB customer should be
routed to MBR transaction M
with the same details
required for Set UPI PIN
E One VPA to multiple Account
( O
Default VPA selection)
F Multiple VPA to Single
Account O
G One PSP APP to register
Multiple bank account with M
multiple VPAs
H Generate OTP (Set UPI PIN) M
H.1 Auto read OTP (Applicable M
on Android)
H.2 Manually type OTP M
(Applicable on IOS)

Level 5:- Pay Transaction

Sr. Actions Mandatory/Optional Yes/ No* Remarks

A Pay using VPA M

B Pay using a/c & IFSC M
C Pay using mob & MMID O
D Pay using Aadhaar M
E UPI Pin Preapproved O
F UPI Pin non pre-approved M
G Transaction online Confirmation M
H Dlength of UPI PIN to be M
implemented on common library
page for PSP App

I Methodology of invoking O
Common Library
UPI Pin preapproved
/onus
transaction
invocation of common
library
UPI Pin non- M
preapproved
/ off us transaction
invocation of common
M
Library.
Ref URL in common
library should
take customer to
relevant page with
complete detail (For
example Bill no,
amount, transactions id
and complete bill
Details).
 UPI Application Checklist

Level 6:- Collect transaction

Sr. Actions Mandatory/O Yes/

ptional No*
A Collect using VPA M
B UPI Pin Preapproved O
C UPI Pin non preapproved M
D Transaction Status
Confirmation M
E Display of VPA and Name for
incoming collect request M
F Display of Expiry time in
case of incoming collect M
request
G Default validity of 30
minutes in case customer is
not specifying the expiry M
time
H Minimum validity of 1 M
Minutes in case customer is
selecting expiry time of
collect request explicitly
I Methodology of invoking
Common Library
UPI Pin preapproved O
/ onus transaction
invocation of
common library
UPI Pin non- M
preapproved / off us
transaction
invocation of
common library. M
Ref URL in common
library should take
customer to
relevant page with
complete detail (For
example Bill no,
amount,
transactions id and
complete bill M
details).
 UPI Application Checklist

Level 7:- Balance Enquiry

Sr. Action Mandatory/Optional Remarks (If Any)

A Select Account M
B UPI Pin Preapproved M
C UPI Pin Non Preapproved M

Level 8:- Check

transaction status
/raise query/ log a
complaint

Sr. Action Mandatory/Optional Remarks( if Any )

A Transaction History Banks to decide
Ref no. wise O on the
Date wise M parameters
B Raise a query / Dispute Banks to decide
Basis On ref no. O on the
date wise M parameters
C While raising the
query/dispute, the App should
display
Transaction ID
Beneficiary and M
Remitter VPA/other
address
Date & Time
Amount

D Check Transaction Status M

Option Raising a
query/ Log a
complaint against
each transaction
should be there.
E Last 5 Transactions M

Level 9:- Hot listing/Deletion

Sr. Action Mandatory/Optional Remarks (If Any)

A Once hot listed or deleted, is M (2 years
Bank allowing to re-allocate the Moratorium)
same VPA?
 UPI Application Checklist

Level 10:- Payments by UPI

Sr. Action Mandatory/Optional Remarks (If Any)

A Pay by UPI M Nomenclature is to
be decided by the
bank
B Collect by UPI M Nomenclature is to
be decided by the
bank
C Reject Collect request M Nomenclature is to
be decided by the
bank

Level 11:- QR Code based enablement

Sr. Action Mandatory/Optional Remarks (If Any)

A Customer Should be able to M
generate the QR Code with in
his App (to dynamic QR)
B Customer should be able to M Push payment –
scan the QR Code of a Merchant / P2P
Merchant / Another PSP app
for making payments
C It is mandatory to display to M Nomenclature is to
the customer at least VPA, be decided by the
amount and the name in QR bank
Based Payments

Level 12:- Raising Intent Call

Sr. Action Mandatory/Optional

A The App to support Intent Call M
request from the Merchant
Apps
A.1 Android M
A.2 IOS M
A.3 Windows O

Level 13:- Total User entry

Sr. Action Mandatory/Optional Yes / No*

A Virtual Payment Address M
 UPI Application Checklist

B Debit Card entry M

Debit Card entry Scan O
C SET UPI PIN M
D Whitelisting of Collect
Requestor (good to have) O
E Whitelisting of Merchant (good
to have) O
F Storing of Beneficiary by nick
name for following O
• VPA
• IFS + A/C No
• Aadhaar
Having the Favourite Selection
of Beneficiary O
G Restoring of VPA by PSP in case M (2 years
of deletion of VPA by user Moratorium)
H When a payee initiates a M
collect request the name of
the payer should be verified
name (CBS name) and should
be displayed to the payee.
I In Pay/Collect transaction the M
entry of ‘Remarks’ should be
optional for user
If a user does not wish
to enter any remark,
bank should populate
a default remark as
‘UPI’ in the back end
If a user wishes to
enter any remark,
bank should populate
the same in the back
end

Additional Comments (if any):-

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National Payment Corporation of India