How to Pay for any bill through UPI?

UPI is an amazing way to pay for anything you purchase online as well as offline. It is a payment system that provides users with a real-time payment facility.

The best part of using the UPI app is that it’s free meaning you do not need to pay anything while using the UPI app.

Apart from scan and pay, you can easily use it for online payments on eCommerce platforms. You can also use the UPI apps to pay utility bills or credit card bills.

In this article, we will discuss how to pay bills using the UPI app, using PAYTM, PhonePe, etc.

By using the Online Portal

eCommerce Platforms and Online portal websites, provide users with UPI payments as an option. Almost all the payment gateway partners provide UPI payments option. You can pay for the product or services online using the UPI app by following these steps-

  • Open the eCommerce portal and add the product or service that you want to buy into your cart
  • After adding the products, you’ll have to check out and navigate to the payments section
  • Now, you’ll find the UPI as a listed option for making a payment
  •  A QR code will be displayed, open your UPI Payments app and scan the code
  • After scanning the code, you’ll have to enter the MPIN of the QR code and your payments will be deducted.
  • You can use these steps to pay your utility bills as well

By using the UPI app- PAYTM, PhonePe, etc.

UPI apps like Google Pay, PhonePe, PAYTM, etc. provide you with an option to pay the bills using the app interface only.

You can find all the bills under one app only like electricity bills, credit card bills, broadband bills, phone bills, etc.

You can follow these steps to pay various bills using the UPI app-

  • Open the UPI apps like PAYTM, PhonePe, etc., and login to your account using your login credentials
  • After logging in, you’ll have to navigate to the bill that you want to pay i.e., Credit card bill, electricity bill, etc.
  • Now, you’ll enter the home screen of the bill that you’ve chosen and now enter the bill number or the identification number
  • After entering the number, the bill will automatically be fetched and you’ll have to click on the play button
  • The amount also gets automatically fetched and then you can make a payment to the vendor by using the UPI button
  • Your app is connected to your bank via the UPI network hence, you’ll be prompted with the 4-digit MPIN
  • After entering the MPIN, your payment will be successful and you’ll able to confirm your payment.


Is it possible to shop a transaction after the initiation of the UPI?

No, you cannot interfere in the middle of the transaction. Once initiated, your payment will be deducted and you cannot do much, therefore, make sure you are paying correctly.

How much time it will take for the payment to be deducted after the successful transaction?

After the successful transaction, your money will be debited from your bank account immediately in real time.

Is there any charge for UPI Payments?

No, UPI payments are free and the Indian Government has reiterated its stance to keep the UPI free.

Can I send money from my credit card to UPI?

You can add your money to your UPI wallet using your credit card.

Is there any chance to add money to the credit card without any charges?

No, you can transfer money from your credit card to a bank account but you’ll have to pay the charges.

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