UPI Tap & Pay was launched in September’23. Tap & Pay is an additional mode of UPI payment similar to Scan and Pay, Pay to Contacts, etc.
In Scan & Pay, you scan the receiver's QR with your camera to grab their UPI ID/VPA.
Now, enter Tap & Pay – instead of scanning, you tap your device on the receiver's device to fetch their UPI ID/VPA through NFC. It's that simple! Two ways to pay.
The same existing limits of UPI are applicable for Tap & Pay modes of payment.
The customer’s device should have NFC capability for using Tap & Pay mode of payment.
Your device needs the internet to complete the transaction. So, keep that connection flowing for a smooth Tap & Pay experience.
UPI Tap & Pay is available for Android as well as IOS mobile devices.
Tap & Pay mode will be by default enabled for the customers.
No, customers can perform Tap & Pay transactions even without UPI LITE or LITE X.
Disabling the Tap & Pay mode option is not available for the customers, just like Scan and Pay, Pay to Contacts, etc.
Loading of money is not mandatory for the Tap & Pay mode of payment.
Here's the brief layout on Tap & Pay debits:
If your transaction is under ₹500 and you have enabled UPI LITE, consider it done – your LITE balance foots the bill without the need for a PIN.
Not on UPI LITE? No worries, your regular bank account will be sufficient, and a simple PIN ensures the transaction sails through.
UPI smart tags with NFC are only for receiving payments. It cannot be used for sending the payment.
Tap & Pay transactions can be performed on NFC smart QRs/ NFC QR soundboxes or UPI smart tags with NFC.
Ready to Tap & Pay? First, open your app.
Next, hit the Tap & Pay icon and enter the amount. Now, for the last aspect– tap on the Payee's QR, soundbox, or UPI Tag.
Voila! Your app confirms the success, and you're good to go.
The UPI ID/VPA of the receiver is written inside the NFC tags in QRs/soundboxes or UPI Smart Tags.
When the Payer taps his/her phone on NFC-enabled QRs/soundbox, the UPI ID of the receiver is fetched by the payer APP. The payer APP then initiates the transaction.
Yes, Customer can Tap on any NFC-enabled QRs/soundboxes or UPI smart tags using any APP (live on Tap & Pay functionality) to complete the payment.
Tap & Pay: Always Online!
Tap & Pay transactions can only be performed in online mode.
Initiation mode 06 is the identifier for Tap & Pay transactions.
If acceptance infrastructure is available, then Tap & Pay transactions can be done in the international market as well.
Existing UPI limits for P2P and P2M are applicable for the Tap & Pay mode of payment.
Both P2P as well as P2M transactions can be performed using Tap & Pay mode of payment.
Debit to payer LITE account or bank account (depending on the payment instrument selected by the customer); credit will be to the payee/merchant's bank account.
The user has to tap his/her device or bring his device in the 5cm range of the UPI smart QR with NFC tag to fetch the UPI ID/VPA of the receiver.