Punjab National Bank offers UPI application for the customers of Indian banks to register with the bank and link their accounts of other banks as well. Customer shall be able to Pay and initiated collect money requests to their contacts. Payment Address is an abstract form to represent and identify the account details, and account details remain confidential. By adding accounts of different banks, customer can manage the account in single platform.

Following are the transaction sets supported
• User profile registration
• Bank accounts creation
• Payment address creation
• Authentication
• Authorization
• PIN generation

Core transaction functionality
• Pay request
• Collect request
• Collect request approval (Payer approval through Mobile application)
• Debiting / Crediting Payer / Payee accounts
• Virtual address resolution for NPCI-UPI
• Support for all 2-party, 3-party and 4-party models of NPCI UPI
• Third party address book management

What are the requirements for using UPI?
You should have following:
· An android phone with internet services
· An operative bank account
· The mobile number being registered with UPI, must be linked to the bank account.
· Active debit card relating to this account for creating mPIN.

How do I register in the PNB UPI application?
· Tap CLICK ME to verify your mobile number. An SMS will be sent from your mobile for verification. The SMS should be sent from the mobile number registered with the bank accounts.
· After your mobile number is verified, the New Registration screen is displayed. Fill in the required details.
· Create six digits numeric password for logging in to application and confirm the same.


Privacy Policy Content:
android.permission.CAMERA - to scan the QR code
android.permission.READ_PHONE_STATE - to access sim serial number of user for security
android.permission.GET_ACCOUNTS - for accessing GCM
android.permission.ACCESS_FINE_LOCATION – for accessing device location
android.permission.ACCESS_COARSE_LOCATION – for accessing device location
android.permission.ACCESS_WIFI_STATE – for accessing internet connection via WIFI
android.permission.ACCESS_NETWORK_STATE - for accessing internet connection via Direct Internet
android.permission.INTERNET – for accessing internet
android.permission.READ_EXTERNAL_STORAGE – for setting profile photo
android.permission.SEND_SMS – for sending sms to verify the user
android.permission.RECEIVE_SMS – for accessing received sms to auto populate OTP and google push notification
android.permission.READ_SMS – for auto population of OTP
android.permission.WRITE_INTERNAL_STORAGE – for storing data in app memory
android.permission.CAMERA - to scan the QR code
android.permission.READ_PHONE_STATE - to access sim serial number of user for security
android.permission.GET_ACCOUNTS - for accessing GCM