In today’s digital era, UPI-based payment apps like PhonePe have made money transfers quick, safe, and convenient. Whether you need to pay friends, family, or merchants, the PhonePe app allows you to send money instantly with just a few taps on your smartphone.
If you are new to PhonePe and wondering how to send payment using the PhonePe app, here’s a simple step-by-step guide.
Step 1: Download and Install the PhonePe App
- Go to Google Play Store (for Android) or Apple App Store (for iPhone).
- Search for PhonePe and download the app.
- Install and open the app.
Step 2: Register and Set Up Your Account
- Enter your mobile number (must be linked with your bank account).
- Verify your number with an OTP (One-Time Password).
- Create a secure 4-digit PIN/password for your PhonePe account.
Step 3: Link Your Bank Account
- On the home screen, tap “Bank Accounts”.
- Select your bank from the list.
- The app will automatically fetch your account using your registered mobile number.
- Set your UPI PIN (if not already created).
Step 4: Send Money Using PhonePe
There are different ways to transfer money through PhonePe:
1. Using Mobile Number/UPI ID
- Open the PhonePe app.
- Tap “To Contact” or “To Account/UPI ID”.
- Enter the recipient’s PhonePe number or UPI ID.
- Enter the amount you want to send.
- Tap Pay and enter your UPI PIN to complete the transaction.
2. Using QR Code
- Tap on the Scan QR Code option.
- Scan the merchant’s or person’s QR code.
- Enter the payment amount.
- Confirm by entering your UPI PIN.
3. To Bank Account Directly
- Tap To Bank/UPI ID.
- Enter the recipient’s bank account number and IFSC code.
- Enter the amount → Tap Pay → Enter UPI PIN.
Step 5: Payment Confirmation
- Once the payment is successful, you will receive a confirmation message in the app.
- Both sender and receiver get an SMS notification from their respective banks.
Safety Tips While Using PhonePe
- Always double-check the recipient details before confirming.
- Never share your UPI PIN with anyone.
- Use a secure internet connection while making payments.
- Keep your PhonePe app updated for better security.
Conclusion
Sending payments using the PhonePe app is fast, reliable, and user-friendly. With multiple transfer options such as mobile number, UPI ID, QR code, or bank account, it has become one of the most popular digital payment platforms in India. By following the steps above, you can send money safely anytime, anywhere.