Setting up a UPI (Unified Payments Interface) PIN without a debit card in third-party UPI apps is a common concern among Indian users.
We'll walk you through the process - how to reset UPI PIN without a debit card and provide answers to your queries about why you might need it in the first place.
Now, let's explore the step-by-step process of resetting a UPI PIN without a debit card in the UPI apps.
We must tell you that the basic processes are mostly the same, although some individual steps may vary from app to app.
If you haven't already, download your desired UPI app from your app store (Play Store in case of Android users and Apple App Store in case of iPhone users).
Install and open the app.
If you're a new user, complete the registration process by verifying your mobile number and the subsequent OTP that will be sent to your phone.
Existing users can simply log in.
Once you have logged in successfully, you might need to give the app permissions regarding usage of your phone book contacts, your SMS, recording and accessing your voice, and your location data.
Follow the on-screen prompts to set up your profile by adding the necessary information.
In the app, go to the 'My Money' or ‘My Payments’ or ‘Payment Methods’ section within your ‘Profile’ icon.
Select 'Bank Accounts' and tap on 'Add New Bank Account.'
Choose your bank from the list and follow the steps to link your bank account.
Pro Tip: It will be swift and without further hassle if your bank account is linked to your mobile phone number that has been used to set up the UPI app.
Once your bank account is linked, you'll receive an auto-generated UPI ID from the UPI app.
This ID is also known as a VPA (Virtual Payments Address) and it will be used for transactions.
The UPI app might send an SMS from your registered mobile number for verification.
Now, let's set up your UPI PIN without a debit card.
Go to the 'My Money' or ‘My Payments’ or ‘Payment Methods’ section again. Please try to understand that these names will differ with apps.
Select 'Set/Reset UPI PIN.'
Choose the linked bank account.
The UPI app might send an SMS for verification of your registered mobile number.
There will be options: Debit Card-based UPI PIN and Aadhar Card-based UPI PIN generation.
Select Aadhar Card-based UPI PIN generation. Now, enter the first 6 digits or the first 4 digits of your Aadhar card as asked by the UPI app.
You will receive OTPs from your bank and UIDAI for authentication. Enter both OTPs.
You can view your original UPI PIN.
Create a new UPI PIN of 4 or 6 digits.
Re-enter the same PIN that you just created.
Click on CONFIRM.
To secure your UPI PIN and prevent it from being misused, follow these steps.
Ensure that your UPI PIN is known only to you.
Avoid sharing it with anyone.
Now that you know the process, regularly update or reset your UPI PIN for added security.
Before diving into the steps, it's essential to understand the reasons why you might opt to reset your UPI PIN without a debit card.
There could be multiple possible reasons.
If your debit card is misplaced or not active, you can still enjoy the benefits of UPI transactions.
Some users prefer not to link their debit cards to reduce the risk of unauthorized transactions.
As India's digital banking ecosystem evolves, more users are embracing digital-only banking and may not have a physical debit card.
Although the NPCI has made UPI largely available throughout the length and breadth of India, ATMs have still not reached the desired penetration level in tier-2 and tier-3 cities and villages.
In these places, people still access UPI transactions with the help of QR codes and VPAs for online and peer-to-peer transactions and with the help of PoS counters.
If you have already set up a UPI PIN, but you feel that it is compromised, then you need to RESET the UPI PIN.
To reset your UPI PIN without a debit card, you must go to the payment methods section of your UPI app, select UPI, select Aadhar-based authentication, verify using OTPs sent from your bank and UIDAI, then reset your UPI PIN, and confirm it.
Yes, you can generate your UPI PIN without a debit card.
You must opt for Aadhar-based authentication and UPI PIN generation within your UPI app.
Yes, you can use GPay, too, if you don’t have a debit card or have lost yours.
You simply need to link your bank account to the GPay app and use Aadhaar-based authentication to set up your UPI PIN.
You can use your digital wallet or e-wallet that is linked to your bank account and securely stores your account information or debit/credit card information and ensures seamless online transactions without the need for a physical card.
If you are the legitimate owner of your debit card, you simply need to contact your bank, call customer service, verify your identity, and provide them with the necessary information about your bank account.
They will help you with the debit card number of your respective bank account.
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