OBC UPI

Ques.: Does OBC UPI charges its customers?

Ans.: As of date, Oriental Bank of Commerce’s UPI app doesn’t charge its customers for any of its services. You can send and receive funds instantly for 24 hours, 7 days a week for no charge through this app. Also, you can change your PIN at the comfort of your smartphone through this app. Since UPI payment system follows the regulations set by the Reserve Bank of India, OBC’s BHIM Oriental Pay like other banks doesn’t charge for interbank transactions.

Ques.: How to create a VPA at OBC UPI?

Ans.: To sign up for a Virtual Payment Address (VPA) with BHIM Oriental Pay UPI, you will have to follow the below steps:

• Download the BHIM Oriental Pay application from the Play-store on your smartphone.
• Next, the app will ask you to select the Mobile No. which you want to link with the app.
• Then, the app will request for permissions to make phone calls, read messages etc.
• The app will then send a confirmation message to your mobile no.
• After the message verification, you will be registered as a UPI user under the application
• You will then have to input your Name and Email in the app
• Next, you have to connect your UPI app to your bank account no.
• The application will then ask you to create a VPA username. If the username you choose is available, then it will be finalized and registered on the UPI platform.
• The application will subsequently finalize a VPA for your Oriental Bank of Commerce bank account
• Afterwards, you will have to create an APP PIN and a Transaction PIN in the application.
• Finally, you will be notified that your registration for OBC UPI is complete.

Ques.: Where is BHIM Oriental UPI app available for download?

Ans.: OBC UPI or BHIM Oriental Pay app is available for download for free on Google Playstore on your smartphone. Since UPI is currently a mobile-based platform, OBC UPI can only be downloaded on your smartphone.

Ques.: Can the Oriental Bank of Commerce bank account linked with OBC UPI app have more than one VPA?

Ans.: Yes, the Oriental Bank of Commerce account linked with your BHIM Oriental Pay app can have more than one VPA. UPI platform is such that a single bank account can be linked to many UPI apps. Since a lot of bank-UPI applications allow you to create VPAs for other banks’ accounts, a bank account can have more than one VPA. For example, you can have a VPA of your OBC bank account on BHIM Oriental Pay app and you can also have a VPA of your OBC bank account at SBI Pay app.

Ques.: How does an OBC UPI VPA look?

Ans.: A Virtual Payment Address created by the OBC UPI app/BHIM Oriental Pay app looks like username@obc. All the VPAs connected to OBC UPI have the suffix @obc.

Ques.: How to transfer money using OBC UPI app?

Ans.: To transfer money through OBC UPI app, you have to have the payee’s VPA or the payee’s Bank account and IFSC available or Aadhaar or QR code details with you. Follow the below steps to transfer funds:

1. Log into the BHIM Oriental Pay application by entering your APP Pin.
2. In the application’s home page, your active bank account is listed. Below that there is an option to Pay, Collect or Scan QR Code.
3. If you are paying money, then the application will divert you to a page where you can pay the payee through options such as VPA, IFSC, Aadhaar and QR Code.

3a. If you have the payee’s VPA, then go to the relevant tab and enter the payee’s VPA, amount and remarks (optional). The account from which you are paying is listed below.

3b. If you are paying through IFSC, then mention the payee’s bank account number, amount and remarks (optional). The account from which you are paying is listed below.

3c. If you are paying through Aadhaar Number, then enter the payee’s Aadhaar number, amount and remarks (optional). The account from which you are paying is listed below.

3d. If you paying through QR code, then the application will start the mobile’s scanner and will scan the QR code in front of it. Once the QR code is read, the application will ask you to enter the amount to be paid and remarks (optional).

The account from which you are paying is listed below.

4. If you are collecting money through OBC UPI app, then you have the option to collect money by entering the payer’s VPA or the QR code.

4a. If you have to collect money through payer’s VPA, then enter the payer’s VPA, amount, expiry (time after which your collection request will be cancelled), remarks (optional). Below you will have the option to select the account where you want to collect the money.

4b. If you have to collect the money through QR code, then you will have to first enter  the fund amount you want to collect and then the remarks (optional). Below that, the account where the money will be deposited will be mentioned. Then the application will direct you to a QR code which when scanned by the payer through his/her app will let him/her pay you the amount you mentioned.

Ques.: How to recover my OBC UPI Pin?

Ans.: The UPI Pin for transactions of your OBC UPI app/BHIM Oriental Pay app can be viewed and changed in the ‘View Profile’ tab. You can also manage your UPI Pin/MPIN (Mobile identifier PIN) by logging into the BHIM app (this app is available on Google Play-Store).

Ques.: Do I require separate VPAs for my two Oriental Bank of Commerce bank accounts?

Ans.: As of now, no, you do not need two separate VPAs to manage your two Oriental Bank of Commerce accounts in the OBC UPI app. A single VPA can currently be toggled between various accounts in the OBC UPI app by setting a preferred account under “Account Management”. You can change your preferred account as and when required. The bank also plans to launch a multiple VPA option soon.

Ques.: What happens if I forget my Login Password?

Ans.: Password required for login can be recovered by choosing the ‘Forget Password’ option on the login screen and then entering your registered email id and answering the secret question. The link to reset your log in PIN will be sent to your registered email id.

Ques.: If my mobile is lost/stolen/used by another person, can there be any security issue?

Ans.: OBC Pay app/Oriental Pay app/OBC UPI app has two levels of authentication. When you are logging into your account, a Log In password is required and then when you are transacting, a transaction password is required. Through the login password and MPIN authentication, the security of your OBC UPI app is maintained.

Ques.:  How do I respond to a collect request that has been sent to me on the OBC UPI app?

Ans.: A Collect request is sent by a UPI user who has to collect money from you. Such a request is raised by the payee against you with the intention that you pay him/her through your UPI account. To entertain/approve such a UPI request, please follow the below steps:

• Log into your BHIM Oriental Pay app
• Go to Approve
• Click on Collect request
• Select Approve/Reject
• If you click on approve, then enter your MPIN to approve the request

Ques.:  Where can I keep a record of my OBC UPI transactions?

Ans.: All of your transactions of paying and collecting funds are recorded in the OBC UPI application. When you log into your BHIM Oriental Pay app, you can navigate to your ‘My Transactions’ tab and track all your UPI transactions.

Ques.:  How can I give my feedback to the OBC UPI application?

Ans.: If you have a complaint/feedback/query for BHIM Oriental Pay app, please follow the below steps:

• Log into your BHIM Oriental Pay account
• Go to my UPI transactions
• Click on the ‘Raise Query’ button. If unavailable, click on the ‘Help’ tab.
• Select query type and enter remark.
• Submit your feedback/complaint/query.

OBC UPI, also known as BHIM Oriental Pay is a smart and easy way to transfer and receive funds instantly with no charges. More so, this service is available 24 hours a day, 7 days a week for you. You can easily check your Oriental Bank of Commerce bank account balance through this app.