PayWallet lets you send and receive money instantly over UPI — India's real-time payment system. Pay to any UPI ID, mobile number, bank account, or QR code, any day, any time, with money moving in seconds.
Send money in seconds
Enter a UPI ID or scan a QR, type the amount, approve with your UPI PIN, and the money reaches the receiver instantly. Payments work 24x7, including weekends and holidays.
- Pay to any UPI ID or Bharat QR
- Send to a mobile number or bank account + IFSC
- Request money and split bills with friends
- Instant receipts you can download or share
Free, always
UPI person-to-person and merchant payments on PayWallet are free for personal users, in line with NPCI's mandate. There are no hidden charges and no monthly fees.
Bank-grade security
Every payment is authorised by your own bank's UPI PIN — we never see or store it. Data moves over encrypted channels on India's regulated UPI rails.
- Your UPI PIN stays with your bank
- TLS encryption end to end
- Instant fraud checks on every transaction
Get PayWallet on your phone
Download for AndroidFrequently asked questions
Is UPI payment free on PayWallet?
Yes. UPI payments to people and merchants are free for personal users on PayWallet, as per NPCI rules. We do not add hidden charges.
How do I send money using UPI?
Open PayWallet, choose Pay, scan a QR or enter the receiver's UPI ID / mobile number / bank account, enter the amount, and approve with your UPI PIN. The money is transferred in seconds.
What is the UPI transaction limit?
The standard NPCI limit is up to Rs 1,00,000 per day for most banks. Some banks and categories set their own limits, which are shown at payment time.
Which banks are supported?
PayWallet works with every UPI-participating Indian bank. Link any savings or current account that supports UPI to start paying.
Is UPI payment safe?
Yes. UPI is regulated by NPCI and the RBI. Every payment needs your private UPI PIN, which only your bank holds, and all data is encrypted in transit.