How to use UPI Without Debit Card?

Unlocking UPI PINs, Unconstrained by Debit Cards: Simplify Your Banking Today.
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24 May 2024
4 mins

How to use UPI without debit card

Using UPI (Unified Payments Interface) without a debit card is entirely possible and convenient for those who prefer digital transactions. Bajaj Pay UPI is a seamless method to transact without the need for a physical debit card. Here’s how you can get started:

  1. Download the Bajaj Pay wallet: First, download the Bajaj Pay app from the App Store or Google Play Store.
  2. Register and set up your account: Sign up using your mobile number linked to your bank account. Verify your details securely.
  3. Link your bank account: Select your bank from the list provided within the app. This will link your bank account to Bajaj Pay UPI.
  4. Generate UPI ID: Once your bank account is linked, you can generate your unique UPI ID. This ID acts as your virtual address for transactions.
  5. Initiate transactions: You can start transacting immediately using your UPI ID. You can send or receive money, pay bills, and shop online hassle-free.

Bajaj Pay UPI offers a secure, cardless payment experience, making digital transactions simple and accessible to everyone.

How to get UPI PIN without a debit card

Obtaining a UPI PIN without a debit card is straightforward with Bajaj Pay UPI. Follow these steps to set up your UPI PIN:

  1. Open Bajaj Pay app: Launch the Bajaj Pay app on your smartphone.
  2. Access UPI section: Navigate to the UPI section within the app.
  3. Choose the 'Forgot PIN' option: Select the 'Forgot PIN' or a similar option displayed.
  4. Enter details: Provide your bank account details linked with Bajaj Pay UPI.
  5. Authenticate via OTP: An OTP (One-Time Password) will be sent to your registered mobile number. Enter this OTP for verification.
  6. Set new UPI PIN: Follow the on-screen instructions to set a new UPI PIN.
  7. Confirmation: Once the PIN is successfully set, you can now use it for transactions securely.

By following these steps, you can easily create or reset your UPI PIN without a physical debit card, ensuring a smooth digital payment experience.

How to make payments using Bajaj Pay UPI

Bajaj Pay UPI allows you to make instant fund transfers directly from your smartphone. Here is how to use it:

  1. Open the Bajaj Pay UPI app
  2. Locate the ‘PAY’ section within the app
  3. Initiate a payment by entering the recipient's VPA (Virtual Payment Address) or bank account details (account number and IFSC code). Alternatively, scan their QR code if available
  4. Enter the payment amount and add a reference note (optional)
  5. Double-check all details and confirm the payment
  6. Enter your secure UPI PIN to authorise the transaction
  7. Upon successful payment, you will see a confirmation message and might receive an SMS notification from your bank

Conclusion

In conclusion, UPI offers a debit card-free payment option through Bajaj Pay UPI. By linking your bank account with the Bajaj Pay app, you can generate a UPI ID and initiate transactions like sending/receiving money or bill payments. Forgot your UPI PIN? No worries, set or reset it using your bank account details and OTP received on your phone. Bajaj Pay UPI ensures a secure and convenient digital payment experience.

Bajaj Finserv app for all your financial needs and goals

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UPI, Wallet, Loans, Investments, Cards, Shopping and more

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Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.

Frequently asked questions

Can I create a UPI PIN without a debit card?
Absolutely! Aadhaar-based verification allows you to set up UPI without a debit card.
How do I create a UPI ID without a debit card in Bajaj Pay?

To create a UPI ID without a debit card on Bajaj Pay:

  • Download and open the Bajaj Pay app.
  • Register using your mobile number linked to your bank account.
  • Select your bank and link your account.
  • Generate your unique UPI ID within the app to start transacting.
How do I start Bajaj Pay without a debit card?

Starting Bajaj Pay UPI without a debit card is simple:

  • Download the Bajaj Pay app from your app store.
  • Register using your mobile number and verify your details.
  • Link your bank account to the app.
  • Set up your UPI ID and start using Bajaj Pay UPI for transactions.
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