The Unified Payment Interface (UPI) offered by Citibank enables customers of any bank to perform pay and collect transactions through a single platform operating on their mobile phones. A customer can link multiple accounts to the virtual payment address that he/she creates as an identifier on the app.
There is no need to divulge sensitive information such as account numbers, IFSC codes, etc. while making payments through the app. Using the application, customers can also request funds from other users.
The salient features and benefits of the Citibank UPI are listed below:
A customer can register to use the Citibank UPI through the following steps:
If customers have any queries regarding the usage of the app or would like to raise concerns, an efficient customer service team of the bank will assist them. The Citibank customer service cell can be contacted at the numbers, 022 2823 2265/1860 210 2484. The customer care team is available on a 24x7 basis to assist users of UPI.
No, it is not necessary to register a beneficiary to transfer funds through UPI. The funds are transferred on the basis of the virtual payment ID/Mobile number + MMID/Account number + IFSC/ Aadhaar number.
No, once the payment is confirmed, funds are transferred instantly in real-time. So, fund transfer cannot be stopped.
PUSH transaction is one in which you send money to a recipient. In a PULL transaction, you would collect/receive money from another user.
MPIN is Mobile Personalized Identification Number. It is a 4-6 digit number that the user sets in his/her bank's mobile banking application. Every transaction initiated through UPI will undergo authentication using the MPIN.
Merchant payment is a simple process using the Citibank UPI. The customer has to share his/her virtual payment address with the merchant, who will then send a money collect request to him/her. The payment can be done without having to type in the card details or waiting for an OTP.
Citibank UPI supports Android phones of versions 4.4.4 and above. The facility will soon be extended to Windows and iOS phones.
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