App Profile: BHIM PNB

Punjab National Bank - Unified Payment Interface



Punjab National Bank offers UPI application for the customers of Indian banks to register with the bank and link their accounts of other banks as well. Customer shall be able to Pay and initiated collect money requests to their contacts. Payment Address is an abstract form to represent and identify the account details, and account details remain confidential. By adding accounts of different banks, customer can manage the account in single platform.



Following are the transaction sets supported

· User profile registration

· Bank accounts creation

· Payment address creation

· Authentication

· Authorization

· PIN generation



Core transaction functionality

· Pay request

· Collect request

· One Time and Recurring Mandate

· Collect request approval (Payer approval through Mobile application)

· Debiting / Crediting Payer / Payee accounts

· Virtual address resolution for NPCI-UPI

· Support for all 2-party, 3-party and 4-party models of NPCI UPI

· Third party address book management





What are the requirements for using UPI?

You should have following:

· An iOS phone with internet services.

· A KYC- compliance bank account (Savings, Current and OD).

· The mobile number being registered with UPI, must be linked to the bank account.

· Active debit card relating to this account for creating UPI PIN.