PayWallet lets you pay your bills, recharges and everyday merchants instantly over UPI — India's real-time payment system. Scan a QR or enter a UPI ID and pay in seconds, any day, any time.
Pay in seconds
Enter a UPI ID or scan a merchant QR, type the amount, approve with your UPI PIN, and the payment completes instantly. Payments work 24x7, including weekends and holidays.
- Pay any merchant by scanning a UPI / Bharat QR
- Pay billers and recharge instantly over UPI
- Pay a UPI ID for goods and services
- Instant receipts you can download or share
Free, always
UPI bill payments 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
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Download for AndroidFrequently asked questions
Is UPI payment free on PayWallet?
Yes. UPI payments to merchants and billers are free for personal users on PayWallet, as per NPCI rules. We do not add hidden charges.
How do I pay using UPI?
Open PayWallet, choose Pay, scan a merchant QR or enter a UPI ID, enter the amount, and approve with your UPI PIN. The payment completes 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.