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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.

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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.

  • There can only be one account (SCB account), which can be linked in SC Mobile App. For other Apps, below is the process:
    Go to “”Manage Payment Address”” screen on the 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.

  • 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

  • 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 for fund transfers is 100,000.
    – Transaction limit for specific merchant transactions (as advised by NPCI) is 500,000.
    – The maximum number of debit transaction allowed (only for fund transfer) is 10 per bank account within 24 hours.
    ** This is subject to 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/ or scan the QR code as shared by online merchant. Once entered/scanned, you will receive a collect request on your SC Mobile App. Enter the OTP 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 SC Mobile 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 Transaction History -> All, to view all your past and pending transactions. You can filter by transaction type and date range. All the pending transactions can be viewed on “In Progress” tab.

  • Yes, a customer needs to register on SC Mobile App before remitting funds using UPI.

  • SC Mobile App provides an option to register beneficiary details (i.e.; VPA) to avoid inputting the details again for recurring transactions. However, this is not mandatory and you can initiate fund transfer directly without registering the beneficiary.

  • As the fund transfer is done through VPA in SC Mobile App, the beneficiary needs to be registered with 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 SC Mobile App from the Transaction History Page.

  • 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 SC Mobile App.

  • In case of change in sim and mobile number, you would require to re-register for SC Mobile App. However, if your mobile number is same with the new sim, then you can continue to use existing VPAs created earlier on SC Mobile App.

  • SC Mobile App is available on Android and IOS mobile platforms.

  • SC Mobile App requires Passcode for login. Please do not share your Passcode with anyone to ensure security.

  • If you lose your phone, the Passcode for login to SC Mobile App will not be known to any third person and hence they will not be able to use SC Mobile App. Note: Please get your mobile number blocked immediately to prevent misuse of your phone.

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

  • If you change your handset, you will need to

    • Download the SC Mobile App again
    • Login with your existing Passcode
    • Allow SC Mobile 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