How to Make Safe Merchant Payments Using BHIM UPI

BHIM UPI (Bharat Interface for Money – Unified Payments Interface) is a government-backed mobile application developed by the National Payments Corporation of India (NPCI). Designed to promote digital transactions , BHIM UPI enables users to transfer money instantly using their smartphones. One of the most convenient uses of BHIM is making payments to merchants, both online and offline. With safety features like mobile PIN authentication and bank-level security, it has become a trusted platform for secure transactions.

BHIM UPI is especially helpful in small shops, local vendors, food stalls, petrol pumps, e-commerce platforms, and utility bill payment apps. It eliminates the need for cash and card swiping, making the process more efficient and hygienic.

• Download the BHIM app from Google Play Store or Apple App Store.

Register using your mobile number linked to your bank account.

Select your bank from the list. BHIM will fetch your account details automatically.

Set a 4 or 6-digit UPI PIN for authentication.

Your bank account is now ready for UPI transactions.

• Open BHIM app
  
  
• Tap on 'Scan & Pay'

Scan the merchant's QR code

Enter the amount and your UPI PIN to complete the payment

• Tap on 'Send'
  
  
• Enter the merchant's UPI ID
  
  
• Type the amount and proceed to authenticate with your UPI PIN

• Tap on 'Send'
  
  
• Choose 'Mobile Number'
  
  
• Enter the number and amount
  
  
• Confirm the payment using your PIN
  
  
  • Never share your UPI PIN with anyone.

Double-check the UPI ID or QR code before confirming payment.

Avoid using public Wi-Fi while making payments.

Enable device security like fingerprint or face recognition on your phone.

Regularly check your bank statements for any unauthorized transactions.

Using BHIM UPI for merchant payments is not only easy and convenient but also highly secure. With increasing digital adoption, BHIM has emerged as one of the most reliable tools for everyday transactions. By following safety practices and understanding the process, you can ensure that your payments are smooth, fast, and secure every time.