BHIM UCO UPI

UCO BANK

About this app

UCO Bank launches official UPI-Unified Payment Interface app for all banking needs of customer.

UCO Bank is a commercial Bank and a Government of India undertaking and providing various services to its customers.

BHIM UCO UPI-Unified Payment Interface allows customers to Pay/Collect money using Virtual Private Address. Virtual Private Address is unique for each customers account. Customer can download the UPI app and install it in device(Mobile/ Tablets). While doing the registration, UPI app communicates with NPCI in encrypted data format. The customer has to create virtual address and complete profile information. The customer can add UPI enabled Bank accounts based on their Mobile Number registered in banks. After adding the bank account, it has to verified using debit card information and set MPIN using OTP. After debit card verification, the customer can pay/collect to other bank accounts. The customer can do the balance enquiry. UPI uses IMPS as underlying base. The customer can use P2P(using MMID and Mobile of Remitter), P2A(using IFSC and account), P2U (AAdhar payments) and VPA(Virtual Private Address) for doing payments. The customer can initiate collect request to other UPI customer. It will appear in Collect Authorisation option where user can accept or reject requests. The transaction history shows details of all payment and collect requests. Using Add beneficiary, the customer can add beneficiary of other banks for doing payments.
The Unified Payment Interface allows payments to be initiated by the payer, or by the payee. In the basic payee initiated flows, the payment request is routed by the initiating application through the NPCI switch to the payer for approval. However, in certain instances, where it is possible to connect with the payer immediately, it is preferred that the payee sends a payment request to the payer, who can then initiate the payment request with his credentials.
Unified Payments Interface (UPI) is an architecture and a set of standard APIs to facilitate the next generation online immediate payments leveraging trends such as increasing smartphone adoption, Indian language interfaces, and universal access to Internet and data. UPI is launched by National Payments Corporation of India with Reserve Bank of India's vision of migrating towards a 'less-cash' and more digital society. NPCI has built on the Immediate Payment Service(IMPS) platform through which one could transfer money instantly by going online-by adding another layer that allows easy debit capability even on mobile phones.

Bank as a part of digital banking, is introducing QR code for its BHIMUCOUPI. This will facilitate in leveraging quick fund transfer and healthy replacement of PoS (Point of Sale).

Ratings and reviews

First, all transactions are getting failed, second I go to approval/transaction status and can't even see the details. When the world's pushing for digital transaction and digitalising banking, this application makes me want to stand in a queue for an hour only for the bank officer to go for lunch and come back an hour later and then I'll have to wait half an hour more and I wouldn't mind it.. absolutely terrible experience

3rd class app... most of the time it doesnt work. Most of the time the server is down and you can not login. sometimes unnecessary prompt to reset upi ID which I did. and now none of the IDs can be used. if you try to use a previous one it says... I have exhausted maximum number of change. an organisation needs world class jokers to create such an idiotic software

[ For security reasons, your bank freezes your account for 24 hours after your first UPI payment is approved. During this freeze period, all payments will be declined by your bank. Try again after 24 hours from the time of your first payment approval.] I don't want to use these apps anymore, because what will I do with the app if there is no transaction.

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