BHIM 2.0 – the latest version of the BHIM UPI app – is here! With new features like a more user-friendly interface, simplified payment features, and a multipurpose action bar that makes navigation easier, the updated app version enables a smooth payment experience.
You can now link your overdraft account to UPI—a feature that was previously unavailable.
This feature provides additional security when making payments via intent or scanning a QR code. With signed QR or intent, users gain protection against issues like tampered QR codes and unverified entities, ensuring a safer transaction experience.
With this feature, you can pre-authorise (Mandate) a transaction, enabling the bank to debit your account at a later date. The UPI mandate is useful for scenarios where funds need to be transferred in the future, but a commitment to pay is made in advance. This feature can be beneficial when the sender forgets to initiate payment later or when specific services and merchant payments require scheduled transactions. The customer's account will only be debited once the mandate is executed, and each UPI mandate can only be used once.
Previously, when a collect request was sent, you could only verify the amount and then complete the payment after entering your UPI PIN. Now, before making the payment, you can view the invoice through a link, allowing you to confirm the transaction details beforehand. This feature is available only for invoices from verified merchants.