UPI on United Digital – A Complete Guide to Buying Digital Products in India

Introduction to UPI

The Unified Payments Interface (UPI) is India's revolutionary real-time payment system that facilitates instant inter-bank transactions through a mobile device. Developed by the National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India (RBI), UPI has transformed the digital payment landscape since its launch in 2016.

It works by linking multiple bank accounts to a single mobile application, allowing users to send and receive money using a unique UPI ID (Virtual Payment Address or VPA), such as yourname@bank. This eliminates the need to share sensitive information like bank account numbers, IFSC codes, or card details for transactions.

united digital supports UPI payments in Indian Rupees (INR), offering a seamless and secure checkout experience for customers in India purchasing digital products like gift cards, game keys, and mobile top-ups.

How to Buy with UPI on United Digital (Step-by-Step)

Purchasing your favorite digital products on United Digital with UPI is simple and fast. Follow these steps for a smooth checkout:

1. Visit united digital and Select Your Product: Browse our wide selection of digital items. Add your preferred product and its denomination to your cart.
2. Account Login/Verification: Log in to your United Digital account. New users will be prompted to verify their email and phone number for security.
3. Review Your Cart: Confirm the product details in your cart and click "Continue to payment."
4. Select Payment Method: From the list of available payment options, choose UPI.
5. Complete the Payment: You will be presented with one of the following methods to complete your transaction:
   • Scan a QR Code: A unique QR code will be displayed on your screen. Open any UPI-enabled app on your smartphone (like Google Pay, PhonePe, Paytm, or your bank's app), scan the code, verify the payment details, and authorize the transaction with your UPI PIN.
6. A user scanning a UPI QR code with a smartphone to make a payment
   • UPI Intent (for Mobile Users): If you are shopping on your mobile device, selecting UPI will automatically prompt you to choose from the UPI apps installed on your phone. The payment details will be pre-filled. Simply select your preferred app and enter your UPI PIN to authorize. This is known as a "deep link" flow.
   • Enter UPI ID (VPA): You may be asked to enter your UPI ID (e.g., yourname@okbank). After entering it, you will receive a payment request notification in your UPI app. Open the notification, verify the amount and merchant name, and approve the payment with your UPI PIN.
7. Receive Your Product: After successful payment, your digital product will be delivered instantly to the "My Orders" section of your united digital account.

Supported Countries and Regions

UPI is the primary digital payment system for users in India. All transactions on united digital via UPI are processed from Indian bank accounts.

While UPI is expanding globally to countries like France, the UAE, Singapore, Bhutan, and Nepal, its integration on united digital is specifically tailored for our Indian customers. Non-Resident Indians (NRIs) from select countries with NRE/NRO accounts linked to their Indian mobile numbers may also be able to use UPI, subject to their bank's policies.

Supported Currencies

All transactions made using UPI on United Digital are processed in Indian Rupees (INR).

Processing Currency: INR (₹)

Your payment will be debited from your linked Indian bank account in INR. There are no currency conversion fees involved when paying from a standard Indian savings or current account.

Advantages of Using UPI on United Digital

Using UPI for your purchases on United Digital comes with several key benefits that enhance your payment experience:

• Instant and 24/7 Payments: Transactions are processed in real-time, around the clock, including weekends and holidays. This ensures your product is delivered without any delay.
• High Security: UPI employs robust security measures, including two-factor authentication (device lock/PIN + UPI PIN). You never have to expose your bank account or card details to the merchant, significantly reducing the risk of fraud.
• No Cost for Users: As per NPCI guidelines, UPI transactions are free for customers. You pay only for the product and any applicable service fees displayed at checkout.
• Universal Compatibility: UPI is supported by almost all Indian banks and a vast ecosystem of third-party apps. Whether you use Google Pay, PhonePe, Paytm, BHIM, or your bank's native app, you can pay seamlessly.
• Simplicity and Convenience: With just a UPI ID or a quick QR scan, payments are completed in a few taps, making it one of the most convenient digital payment methods available.

UPI Features Overview

Here’s a summary of what you can expect when using UPI on united digital:

FAQs

Is it safe to use UPI?

Absolutely. UPI is one of the safest digital payment methods. Security is ensured through several layers:

• UPI PIN: Every transaction must be authorized with a 4 or 6-digit UPI PIN that only you know.
• Device Binding: Your UPI account is securely linked to your mobile device and SIM card, preventing unauthorized access from other devices.
• Data Encryption: All transaction data is encrypted to ensure its confidentiality and integrity.

Important: Never share your UPI PIN with anyone. Banks or any legitimate service, including United Digital, will never ask for it.

Are there extra fees for using UPI?

For customers, UPI transactions are free of charge. The National Payments Corporation of India (NPCI) does not levy any fees on users for making P2P (person-to-person) or P2M (person-to-merchant) payments. Any service fee charged by United Digital will be clearly displayed during the checkout process before you confirm your payment.

What if my UPI payment fails?

UPI transactions can sometimes fail due to reasons like poor internet connectivity, bank server downtime, incorrect UPI PIN entry, or exceeding transaction limits.

• If the payment fails and no money is debited, you can simply try the transaction again.
• If money is debited from your account but the transaction fails, the amount is automatically refunded to your bank account. As per RBI guidelines, this usually happens within a few hours, but can take up to 3-5 business days depending on the banks involved. You can check the status in your UPI app's transaction history.

What are the transaction limits for UPI?

The NPCI has set a standard transaction limit for UPI, but individual banks can also apply their own limits.

• General Limit: You can typically send up to ₹1,00,000 per day across all UPI apps.
• Transaction Count: Most banks limit the number of transactions to 20 per day.
• Bank-Specific Limits: Some banks may have lower daily limits (e.g., ₹25,000 or ₹50,000). Please check with your bank for your specific limits.

For certain categories like payments to hospitals and educational institutions, the limit has been increased to ₹5 lakh per transaction.

How do I receive my product after a UPI payment?

Once your UPI payment is successfully confirmed, your digital product is delivered instantly. You can find it immediately in the "My Orders" section of your United Digital account.

What is a UPI ID?

A UPI ID, or Virtual Payment Address (VPA), is a unique identifier that allows you to send and receive money through UPI without needing to share your bank account number. It is formatted like an email address (e.g., yourmobile@bank or yourname@app) and is linked to your bank account when you register for UPI on any supported app.