What Is Hello UPI? Features, Benefits, and Guide

Hello UPI is a revolutionary voice-based payment system launched by the National Payments Corporation of India (NPCI). This innovative feature allows users to conduct transactions using voice commands, making digital payments more accessible and convenient than ever before. In this comprehensive guide, we’ll explore what Hello UPI is, its key features, and benefits, and how you can start using it for your daily transactions.

What Is Hello UPI?

Hello UPI is a conversational payment solution that enables users to make UPI transactions using voice commands. It works across various platforms, including UPI apps, phone calls, and smart devices. With Hello UPI, you can perform a range of tasks, such as:

• Checking your account balance

• Sending money to contacts

• Paying bills and utilities

• Making merchant payments

Hello UPI Transaction Limit

Hello UPI follows the same transaction limits as regular UPI payments. Currently, the per-transaction limit is set at ₹1,00,000, with a maximum of 20 transactions per day. However, for voice-based transactions made through phone calls, the limit is capped at ₹5,000 per transaction and 5 transactions per day, ensuring an additional layer of security.

Benefits of Hello UPI

Hello UPI offers a range of benefits that make it an attractive option for users looking for a more convenient and accessible way to make digital payments.

1. Where Is It Available?

Hello UPI is available across multiple platforms, including UPI apps, phone calls, and smart devices.

2. Support for Multiple Languages

One of the most significant benefits of Hello UPI is its support for multiple languages. The service is currently available in Hindi and English, with plans to expand to other regional Indian languages in the near future. This makes digital payments more accessible to a wider audience.

3. Easy Integration with Devices

Hello UPI seamlessly integrates with various devices, including smartphones, feature phones, and smart devices, without the need for additional hardware or software.

4. Accessibility for All Users

Hello UPI is designed to be accessible to all users, regardless of their technical proficiency or physical abilities. The voice-based interface makes it easier for visually impaired users and those who may struggle with traditional touchscreen interfaces to make digital payments.

5. How Secure Is It?

The service uses the same two-factor authentication process as regular UPI transactions, requiring users to enter their UPI PIN to complete each transaction. Additionally, all voice data is encrypted and stored securely, ensuring your personal information remains protected.

How to Use Hello UPI?

1. Using Hello UPI on UPI Apps

1. Open your UPI app and look for the Hello UPI or voice command option.

2. Tap on the microphone icon or say “Hello UPI” to activate the voice assistant.

3. Speak your command clearly, such as “Send ₹500 to Rohit”

4. Confirm the transaction details and say or enter your UPI PIN to complete the payment.

2. Using Hello UPI Through Phone Calls

1. Dial the Hello UPI number provided by your bank or UPI service provider.

2. Follow the voice prompts to authenticate your identity using your registered mobile number and UPI ID.

3. Speak your transaction command, such as “Pay ₹1,000 to Zomato.”

4. Confirm the details and enter your UPI PIN using your phone’s keypad to complete the transaction.

3. Using Hello UPI on Smart Devices

1. Ensure your smart device is compatible with Hello UPI and has the necessary UPI app installed.

2. Activate the voice assistant on your device and say “Hello UPI.”

3. Speak your command, such as “Check my account balance.”

4. Confirm the request and provide your UPI PIN when prompted to complete the action.

4. Languages Supported by Hello UPI

Currently, Hello UPI supports transactions in Hindi and English. However, the NPCI has plans to expand the service to support other regional Indian languages in the near future

5. What Are Conversational Payments?

Conversational payments refer to the ability to make transactions using natural language voice commands. Hello UPI is an example of a conversational payment system, allowing users to interact with their UPI apps or devices using everyday language to complete transactions.

6. Tasks You Can Perform with Hello UPI

• Checking your account balance
• Sending money to contacts using their mobile number or UPI ID
• Paying bills and utilities
• Making merchant payments by saying the merchant’s name or UPI ID
• Requesting money from contacts
• Checking your transaction history

General Process Flow of Using Hello UPI

1. Starting the Transaction:

To begin a Hello UPI transaction, you’ll need to activate the voice assistant on your UPI app, dial the Hello UPI number, or use the voice command on your smart device. Say “Hello UPI” or tap the microphone icon to get started.

2. Verifying Your Identity:

Hello UPI will then verify your identity using your registered mobile number and UPI ID. This step ensures that only authorized users can access your account and make transactions.

3. Giving the Payment Command:

Once your identity is verified, you can speak your payment command clearly and naturally. For example, you might say, “Send ₹1,500 to Priya for dinner last night.”

4. Confirming the Details:

Hello UPI will then repeat the transaction details back to you, including the amount, recipient, and purpose of the payment. Confirm that the information is correct before proceeding.

5. Completing the Transaction:

To complete the transaction, you’ll need to provide your UPI PIN. Depending on the platform you’re using, you can either speak your PIN or enter it using your device’s keypad.

6. Getting Notifications:

After the transaction is processed, you’ll receive a notification confirming the success of the payment. This notification will include the transaction ID, amount, and recipient details for your records.

7. Getting Support:

If you encounter any issues or have questions about using Hello UPI, you can reach out to your bank or UPI service provider’s customer support for assistance. They will be able to guide you through the process and help resolve any concerns you may have.

Key Features of Hello UPI

1. Voice Commands for Payments:

With Hello UPI, you can make payments using simple voice commands, making the process faster and more convenient.

2. Instant Transactions:

Hello UPI transactions are processed instantly, which means the funds are transferred to the recipient’s account in real-time. This makes it an ideal solution for time-sensitive payments or emergencies.

3. Support for Multiple Languages:

Hello UPI currently supports transactions in Hindi and English, with plans to expand to other regional Indian languages in the future.

4. Works Across Devices and Platforms:

Hello UPI is designed to work seamlessly across various devices and platforms, including smartphones, feature phones, and smart devices.

5. Simple and Easy-to-Use Interface:

The Hello UPI interface is designed to be simple and intuitive, making it easy for users of all technical proficiency levels to navigate and use the service.

6. Customizable Options for Users:

Hello UPI allows users to customize their experience by setting preferred languages, creating voice shortcuts for frequently used commands, and managing their transaction limits and settings.

7. Strong Security Measures:

Security is a top priority for Hello UPI. The service uses two-factor authentication, encryption, and secure data storage to protect users’ personal and financial information.

Hello UPI vs Traditional UPI

Frequently Asked Questions (FAQs):

1. Do I need an internet connection for Hello UPI?

For in-app Hello UPI transactions, an internet connection is required. However, for voice-based transactions made through phone calls, no internet connection is needed.

2. Are there any charges for using Hello UPI?

No, there are no additional charges for using Hello UPI. The service is free for users, and the transaction charges are the same as regular UPI payments.

3. Can I cancel a transaction made through Hello UPI?

Once a Hello UPI transaction is completed, it cannot be cancelled. However, if you realize you’ve made a mistake, you can contact the recipient and request them to refund the amount.

4. What devices support Hello UPI?

Hello UPI is supported on a wide range of devices, including smartphones, feature phones, and smart devices such as smart speakers and smart displays. As long as the device has voice command capabilities and is compatible with UPI apps, it should support Hello UPI transactions.