India's Smarter Payment App

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9:41
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welcome back, Vishal
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upay balance 🛡️ secure

₹1,42,850

Recent Spend see all
⚡
UPI Received Just now
+₹4,500
☕
Starbucks Today, 2:30 PM
-₹380
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Netflix 24 Jun, 9:00 AM
-₹649
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backed by india's premier institutions

SBIHDFC BANKICICIAXIS BANKKOTAKYES BANKRUPAYNPCI

experience absolute control over your money, invoices, and settlements with bespoke features.

instant transfers

upi scan & pay, reinvented.

Transfer instantly to any bank account or pay via scanning any merchant QR. Real-time bank status checks prevent failed transactions before you hit pay.

⚡ 0.8s settlement | ✓ NPCI certified
⚡ successful
PAYMENT TO

Rakesh Kumar

₹12,400

TRANSACTION ID: UP98012480
credit management

manage credit cards. claim cashbacks.

Track payment cycles, scan your card statements for hidden charges, and clear your bills instantly. Earn Upay coins for every rupee paid and redeem vouchers.

💎 5x Reward multiplier | ✓ Auto Reminders
💳 HDFC REGALIA
OUTSTANDING BALANCE

Total Due

₹48,920

DUE DATE: 12 JUL 2026
daily utilities

bills, recharges & rentals. settled.

Never experience utility cuts or late fees. Recharge mobile numbers, pay electricity, water, cylinder bookings, or even transfer home rent payments directly to landlords using credit cards.

💡 BBPS Integrated | ✓ Zero extra fees
💡 Automated
UTILITY INVOICE

Tata Power Bill

₹3,240

AUTOPAY: ENABLED
wealth growth

savings account with 7% interest.

Activate your digital savings wallet and let your unused money earn high yields. Instantly withdraw back to bank accounts without any locks or fees.

🏦 7% Annual Yield | ✓ 100% Instant Liquidity
🏦 yield active
TOTAL ACCUMULATED SAVINGS

Wallet Balance

₹1,42,850

INTEREST ACCRUED: ₹940/mo

rewards that look like rewards.

claim exclusive cashbacks, luxury brand vouchers, and upgrades with your Upay coins.

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5x Coins

on luxury brands

•••• •••• •••• 8092

AJIO Offer

flat ₹500 off

•••• •••• •••• 4420

Puma Deal

40% off voucher

•••• •••• •••• 3088

Samsung

extra 10% off tablets

•••• •••• •••• 7120

Lounge Pass

free airport access

hidden fees? not on our watch.

Our smart statement scanner checks your uploaded statements for late fees, processing overcharges, and hidden surcharges. Watch Upay wave them off automatically.

0% hidden fees
100% transparency
Card Statement Scan
Convenience processing fee ₹180
Monthly paper statement fee ₹99
Hidden interest surcharge ₹340
Automated payment gateway levy ₹75
security first. and second.
zero hidden charges. guaranteed.
trusted by 50M+ Indians.
instant settlements. 0.8s avg.
premium cashbacks. every time.
absolute control. in your pocket.

upgrade to a smarter way to pay.

Scan the QR code with your phone or select your app store to download the Upay app today. Set up auto-reminders in 2 minutes.

Scan to download Compatible with iOS 15+ and Android 9+ devices.
upay pay 9:41 AM
welcome back

Vishal Bhalodiya

Wallet Balance ₹1,42,850
✓
UPI Pay
Credit Cards
Utilities
Savings