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UPI payment

Your phone is all you need to make payments! Transfer money, make payments or shop – UPI makes everything instant.

Introducing UPI on SC Mobile

StanChart UPI is a simple and secured feature to instantly pay using UPI. No need to carry your cards or remember details like bank account numbers or IFSC codes. No hassle of adding a beneficiary before transferring money to another person’s UPI ID. Create your @scb UPI ID now!

With UPI on SC Mobile you can :

  • Send or Receive Money
  • Collect Money
  • Authorize Payments
  • Balance Enquiry
  • Scan a QR and pay
  • Check all your UPI transactions history

How to use UPI on SC Mobile

  • Download SC Mobile App on your smart phone from Google Play Store/ App store.
  • Click on BHIM UPI icon and login with your online banking credentials/ touch id.
  • Create a UPI ID by linking your Standard Chartered Bank Account.
  • No need to create UPI PIN for using UPI service on SC mobile. Authenticate your transactions using OTP.

How to use UPI on other UPI apps

  • Download the app from Google Play Store or App Store.
  • Select your standard chartered bank account.
  • Create your UPI ID ( For example raj1234@upi )
  • Verify your account & set a UPI PIN using debit card authentication
  • You UPI Pin will remain same for your account linked to any NPCI certified PSP ( Payment Service Provider) UPI apps.
  • Send, Receive and make payments using UPI Pin as authentication factor.

Instant fund transfers with Standard Chartered UPI

Transfer money real-time by simply creating a personalised virtual payment address and linking any bank accounts.This feature allows you to carry out financial transactions instantly.

FAQs

  • Unified Payments Interface (UPI) is an instant payment system which allows you to instantly pay / receive / collect money using Virtual Payment Address (VPA) registered on your mobile phone.
    This system is developed by the National Payments Corporation of India (NPCI), an RBI regulated entity. UPI is built over the Immediate Payments System (IMPS) infrastructure.

  • UPI enables money transfer using multiple bank accounts under a single App. Merchant payments are simplified and safer as UPI has two factor authentication through a single click.

  • With UPI, you enjoy higher daily transaction limits and unlike wallet, there is no need to load money. You can use funds directly from your accounts.

  • All transactions on UPI are authenticated by 2 factor authentication. Debit in your account will only be initiated through your VPA, on your device and it requires UPI-PIN to authenticate the transaction.

  • Virtual Payment Address (VPA) is a unique ID which helps identify a person’s bank account. The VPA can be in the format “yourname@scb”. All fund transfers from and to your account can be done using VPA (no need for bank account number/ IFSC code, etc.).

  • The UPI platform (built by NPCI – an RBI regulated entity) retrieves the accounts details linked with your mobile number. The details are masked and the exchange of information is done over secure banking networks.

  • Please ensure that the same mobile number is linked to all your bank accounts.UPI platform will retrieve all accounts linked to the mobile number.

  • This facility is currently not available for Non Resident accounts

  • Yes, multiple bank accounts can be linked to the same VPA.

  • Go to “”Manage Payment Address”” screen on SCUPI App.
    Click on the VPA that you would like to change the default account for
    Choose one of the linked accounts and set it as default.
    You can change the default account anytime in future.

  • UPI-PIN (UPI Personal Identification Number) is a 4-6 digit pass code you create/set during first time registration with SCUPI App. This UPI-PIN will be used to authorize all bank transactions. If you have already set up an UPI-PIN with other UPI Apps you can use the same on SCUPI APP. Note: Please do not share your UPI-PIN with anyone. SC UPI App does not store or read your UPI-PIN details and your bank’s customer support will never ask for it.

  • You can generate your new UPI-PIN using your debit card details (last six digits of debit card number and expiry date).

  • The transaction will be declined and an error message will be displayed as “UPI-PIN Validation Failed”.

  • The different channels for transferring funds using UPI are:

    a) Pay / collect using VPA
    b) Pay / Collect using QR code
    c) Pay using Account Number + IFSC
    d) Pay using Mobile Number + MMID
    e) Pay using Aadhaar Number

  • The payer/payee name, as per the bank records, is automatically populated on the screen whenever you add the VPA to collect/send money.

  • Currently, the upper limit per UPI transaction, as prescribed by NPCI is Rs. 100,000. This is subject to the NPCI guidelines for UPI and may change from time to time

  • When you shop-online, you can pay through UPI when you see UPI as a payment option. On clicking that, you will need to enter your VPA. Once entered, you will receive a collect request on your SCUPI App. Enter your UPI-PIN to authorise and complete your payment. As easy as this!

  • All payments are instant and 24/7, regardless of your bank’s working hours!

  • Once you complete a UPI transaction, you should check the status on the SCUPI App. In case you have not received confirmation SMS within an hour please contact customer support at your bank.

  • The timeline to approve a collect request needs to be defined by the requester. The default time is 30 min.

  • Go to Dashboard -> Status, to view all your past and pending transactions. You can filter by transaction type, date range, amount and status.

  • Yes, a customer needs to register on SCUPI App before linking his accounts and remitting funds using UPI.

  • SCUPI App provides an option to register beneficiary details (i.e. VPA, Account Number+IFSC, Mobile Number+MMID, Aadhar Number) to avoid inputting these details again for recurring transactions. However, this is not mandatory and you can initiate fund transfer directly without registering the beneficiary.

  • In case the fund transfer is done through VPA, the beneficiary needs to be registered with UPI. In case of Account Number + IFSC or Mobile Number + MMID, Aadhaar number, the beneficiary need not be registered for UPI.

  • UPI transaction can fail due to multiple reasons – most likely due to connectivity issues to the banking system, incorrect Payment Address entered or wrong UPI-PIN entry. If your transaction fails, please try again. If it doesn’t work, please contact customer support. Our email: customer.care@sc.com

  • UPI provides for real time reversals for declines and amount would be transferred back to the payer account immediately. Sometimes this may take longer. If you do not receive the refund within 1 hour, please contact customer support. Our email: customer.care@sc.com

  • No, once the payment is initiated, it cannot be stopped.

  • You can raise a complaint for any UPI transaction through the SCUPI App from the Status or Complaints screen.

  • Yes, you can use more than one UPI application on the same mobile. UPI allows you map multiple accounts to multiple UPI apps.

  • No, your VPA is stored in the server and it does not get deleted in case you re-install or upgrade SCUPI App. However, if you click on the De-register option, then your VPA will be deleted and you will not be able to use the same VPA again.

  • In case of change in sim and mobile number, you would require to re-register for SCUPI App. However, if your mobile number is same with the new sim, then you can continue to use existing VPAs created earlier on SCUPI App provided you have not deregistered.

  • In case of change in sim and mobile number, you would require to re-register for SCUPI App. However, if your mobile number is same with the new sim, then you can continue to use existing VPAs created earlier on SCUPI App provided you have not deregistered.

  • SCUPI App is available on Android and IOS mobile platforms.

  • SCUPI App requires Passcode for login. Also any payment authorisation through SCUPI App requires UPI-PIN to be entered by user. Please do not share your Passcode and UPI-PIN with anyone to ensure security.

  • If you lose your phone, the Passcode for login to SCUPI App and UPI-PIN required to authorize all transaction will not be known to any third person and hence they will not be able to use SCUPI App. Note: Please get your mobile number blocked immediately to prevent misuse of your phone.

  • No problem at all. You can continue using SCUPI App as usual, provided your sim and mobile phone is same.

  • If you change your handset, you will need to

    • Download the SCUPI App again
    • Login with your existing Passcode
    • Allow SCUPI App to verify your mobile number. After verification your account will be restored.
  • Transaction limits are mandated and modified by NPCI frequently. They are subject to the limits prescribed from time to time by NPCI and respective banks for their account holders.

  • Money transfers using UPI can be made 24×7 instantly which means it can be done on holidays as well and are not dependent on banking hours.

Terms And Conditions