Effortlessly Accept Payments from Clients with UPILinks

As a business owner or freelancer, one of the most important aspects of your work is getting paid for your services. While traditional payment methods like checks and credit cards have been popular for years, there’s a new player in town that’s making it easier than ever to accept payments from clients: UPI apps like Bhim UPI, PhonePe, Google Pay, and more.

But how do you make the most of these apps and ensure that your payment process is as smooth as possible? That’s where UPILinks comes in.

UPILinks is a 24/7 government-approved direct payment method that allows you to accept payments from clients with ease, without any fees. Here are some of the key benefits of using UPILinks:

  1. Maximize Your Savings: With UPILinks, you can eliminate payment gateway taxes and save an estimated 2-3% on commissions each year. This means more money in your pocket and less spent on fees.
  2. Effortless Payment Sharing: UPILinks makes it simple to share your payment link on various platforms, including Instagram, Facebook, WhatsApp, SMS, websites, and more. This means that your clients can easily pay you without any hassle or confusion.
  3. Free UPI Payment Link: UPILinks offers a free UPI payment link that you can use to accept payments from clients. This link is easy to set up and can be customized to match your brand or personal style.

Overall, UPILinks is a powerful tool for any business owner or freelancer who wants to streamline their payment process and maximize their savings. So why wait? Upgrade your payment process today with UPILinks and start accepting payments from clients with ease.

Upilinks: The UPI Payment Link Generator App

With the rise of digital transactions, it is crucial to have an efficient and user-friendly platform for making payments. The Upilinks app, available on the Google Play Store, offers just that.

Upilinks is a unique UPI payment link generator app that enables you to create a UPI payment link and share it with others for seamless transactions. The app is easy to use and helps you simplify the payment process. All you need to do is link your UPI ID and create a payment link.

Some of the key features of Upilinks include:

  1. Easy link creation: You can create UPI payment links in a matter of seconds, without any hassle.
  2. User-friendly interface: The app has a simple and intuitive interface, making it easy for users to create and share links.
  3. Secure transactions: All transactions made through Upilinks are secure and encrypted, ensuring the safety of your personal and financial information.
  4. Multi-bank support: The app supports multiple banks and UPI IDs, so you can use it with any bank account linked to your UPI ID.
  5. Customizable links: You can create custom links and set your own payment amounts for each link, making it convenient for both you and the recipient.

In conclusion, Upilinks is a must-have app for anyone looking to simplify their payment process and make seamless transactions through UPI. Download the app now from the Google Play Store and experience hassle-free payments.

Step-by-Step Guide: Using Upilinks App for UPI Payments

UPI (Unified Payments Interface) is a digital payment system that enables instant money transfer between two bank accounts using a mobile device. Upilinks is an android app that allows users to create UPI payment links, which can be shared with others for easy and secure money transfers. In this guide, we will show you how to create free UPI payment links with the Upilinks app.

Step-by-step guide on how to create free UPI payment links with Upilinks app:

  1. Download and install the Upilinks app from the Google Play Store.
  2. Open the app and sign in with your mobile number.
  3. Select the bank account you want to create the payment link for.
  4. Enter the amount you want to collect and add a description for the payment link.
  5. Share the payment link with the person you want to collect the payment from.

Tips on using Upilinks app for UPI payments:

  • You can create multiple payment links for different amounts and purposes.
  • You can view the status of your payment links and track who has made the payment.
  • You can also use Upilinks to make payments to others by scanning their UPI QR code.

Conclusion: Upilinks is a simple and efficient way to create UPI payment links for easy and secure money transfers. With this guide, you now know how to use the Upilinks app to create free UPI payment links and manage your UPI payments. Give it a try and experience the convenience of UPI payments with Upilinks.

Creating UPI Links for Your Business in India: A Step-by-Step Guide

Introduction: UPI, or Unified Payments Interface, is a digital payment system that allows for seamless and secure financial transactions in India. As more businesses and consumers are turning to digital payments, it’s important to understand how to use UPI and create UPI links. This guide will walk you through the process of setting up a UPI link using upilinks.in, as well as provide best practices for using UPI links for digital transactions.

Setting up a UPI Link: To create a UPI link, you’ll first need to register for a UPI ID. This can be done through your bank’s mobile app or by using a UPI-enabled app like BHIM or Google Pay. Once you have a UPI ID, you can use upilinks.in to generate a link. Here’s a step-by-step guide:

  1. Go to upilinks.in
  2. Click on “Create UPI Link”
  3. Enter your UPI ID
  4. Choose a name for your link (this will be the name that appears when someone makes a payment to you)
  5. Click “Create Link”
  6. Share your link with customers, clients, or anyone else you want to receive payments from

Using UPI Links for Digital Transactions: Once you have a UPI link, you can start using it to receive payments. Here are some best practices for using UPI links:

  1. Make sure to clearly display your UPI link on your website or social media profiles
  2. Test your link before sharing it with others to ensure it’s working properly
  3. Keep track of payments made through your UPI link
  4. Consider offering incentives for customers who use your UPI link to make payments
  5. Be sure to keep your UPI ID and link updated to prevent any interruption of service.

The Battle of the Payment Titans: UPI vs Crypto

Cryptocurrency and UPI (Unified Payments Interface) are two distinct digital payment methods that have seen a surge in popularity in recent times. Cryptocurrency, such as Bitcoin and Ethereum, is a decentralized digital currency that utilizes blockchain technology to record transactions, which are verified and recorded on a public ledger, thus making them secure and transparent. One of the main benefits of using cryptocurrency for payments is that it is not controlled by any government or financial institution, allowing for transactions to be made without intermediaries and quickly.

UPI, on the other hand, is a digital payment system developed by the National Payments Corporation of India that enables instantaneous money transfers between two bank accounts on a mobile platform. It allows for peer-to-peer transactions, bill payments, and other banking transactions via a virtual address, eliminating the need for bank account details. UPI has revolutionized the Indian payments space but it lacks the security provided by cryptocurrency payments.

In summary, both cryptocurrency and UPI payments have their own unique advantages and disadvantages. Cryptocurrency payments provide greater security and transparency but are not widely accepted as a form of payment and can experience volatility in value. On the other hand, UPI payments are widely accepted in India and easy to use, but not as secure as cryptocurrency payments. As technology continues to advance, we can anticipate more integration and acceptance of both types of digital payments in the future.

Be Aware of UPI Frauds: 1.4 Lakh UPI Frauds Reported In Q1, Q2 2022

A total of 1,46,495 unified payments interface (UPI) fraudulent activities were reported on the National Cybercrime Reporting Portal (NCRP) during the first and second quarters of 2022, as per the Ministry of Home Affairs (MHA).  

Reportedly, MHA said UPI frauds increased by 15.3% between the first (Q1) and second quarters (Q2) of 2022. 

There were 62,350 UPI-related frauds reported on NCRP in Q1 2022. Whereas in Q2 2022, there were 84,145 UPI-related complaints.

The ministry informed that during Q1 and Q2 2022, UPI frauds rose by 34% as compared to other cybercrimes including debit and credit card-related frauds and internet banking-related frauds reported by NCRP. 

In Q1 2022, debit and credit card, and sim swap frauds increased to 24,270 from 26,793 complaints in Q2 2022. 

On the other hand, internet banking cyber complaints decreased from 20,443 in Q1 2022 to 19,267 in Q2 2022.

“Online financial fraud, a cyber crime category under NCRP is the most prevalent among others, as 67.9 % of the total reported cyber crime were online financial frauds,” the ministry said.

Meanwhile, according to the central bank RBI, UPI transactions increased by 1200% in the fiscal year ending September 2022.

The development comes after Inc42 reported that UPI clocked 678 Cr transactions in September 2022 and 657 Cr transactions in the previous month (August). With this, its transaction volume rose by 4% month-on-month (MoM) thus, crossing the INR 11.16 Lakh mark.

Earlier in October, the Centre announced that Oman would begin using Indian payment solutions viz UPI and RuPay credit and debit cards. As part of the deal, the National Payments Corporation of India (NPCI) and the Central Bank of Oman (CBO) inked an agreement to collaborate in the fintech and payment sector. 

Besides, a slew of countries including Singapore, Malaysia, Thailand, Philippines, Vietnam, France, Russia, Taiwan, South Korea and Japan (in partnership with Liquid Group), among others are currently using the UPI or in the process of deploying it within their payment ecosystem. 

The UPI ecosystem must be sustainable in order to grow: Google Pay

Mumbai/ Bengaluru: Google Pay has been ramping up its India presence with the launch of new services to take on peers PhonePe and Paytm in the fast-growing digital payments market. Unified Payments Interface (UPI) transactions on Google Pay have grown by almost 22% in the past three months to gain nearly 34% of the market share, second only to arch rival PhonePe.

In an interaction with Mint, Ambarish Kenghe, vice-president, product management, Google Pay, shares his views on the National Payments Corporation of India’s move to cap the market share of UPI apps to 30%, investments in payment infrastructure and new areas of growth. Edited excerpts:

Google Pay has voiced its concerns over UPI market cap. What have you been relaying to NPCI? Also, what is your take on zero merchant discount rates (MDR)?

On market cap, we have always stood for competition. And, it’s very early, so we want to make sure there is enough competition and that’s a good thing.

On the question of sustainability, I definitely think that we need to make the (UPI) ecosystem sustainable. There are various ways, and I think it’s hard to say whether MDR is the right way of doing it or if there are other means.

India has always innovated and leapfrogged. So, I do not know whether we will evolve with MDR, or in any other way. But we need to make it (UPI) more sustainable and find ways as we want to figure this out. (MDR is the percentage charged to merchants by payments firms for processing digital payments).

Will you be bringing down your market share to meet NPCI norms?

The way it (market cap) is designed, there is time before it applies. It is the Indian rules we play by. So, right now there is a plan being put in place, where we work with NCPI and others once the market cap kicks in. The piece we are concerned about is that once it (market cap) gets applied, users should not be impacted. That is Google Pay’s biggest concern. So, we are working with the ecosystem. (Last November, NPCI, which operates UPI, decided to impose a market cap, where payments firms can process a maximum of 30% of UPI transaction volumes in the preceding three months.)

Differences between UPI and Digital Rupee

  1. In UPI, the banks act as a gateway or a channel for payments, but when it comes to the digital rupee, the payments are done from one wallet to another. Here, banks don’t get involved, but it’s otherwise in the UPI. 
  2. UPI payments are made via sources like Google Pay, PhonePe, NEFT, and RTGS, etc. In the digital rupee, the payments are done electronically.
  3. Settlements can be done immediately by using the digital rupee and they possess a store of value. But UPIs don’t do that as they are merely an infrastructure made to process the payments. 
  4. In UPIs, you can’t withdraw the funds and store them in your wallet for future use. However, that’s absolutely possible in the digital rupee, making it a one-stop solution for all sorts of payments, both online and offline.
  5. The UPI payment system works similarly to debit cards and credit cards, whereas, the digital rupee is like a “cash form” where one can withdraw and spend or can store it like a deposit in their wallet.
  6. Payments made via UPI involve middlemen, hence the indirect route of transferring money. In digital rupee, the payment is done directly, and there’s no middlemen involved here.

Up to Rs 10,000 in UPI transactions will now be covered by insurance thanks to Paytm and HDFC ERGO.

One97 Communications-owned Paytm has launched a group insurance plan in partnership with HDFC ERGO General Insurance. The plan, which is called Paytm Payment Protect, will insure transactions made through UPI across all payment wallets and apps. 
Paytm users can insure transactions upto Rs 10,000 by paying Rs 30 and more per annum. In addition, insurance cover for transactions costing Rs 1 lakh or above will get added on in the times to come.
The fintech company also highlighted that this plan will increase the trust of the users, enhance their digital payments experience and accelerate its adoption across the country. 
According to Paytm’s Bhavesh Gupta, who is the CEO of Lending and Head of Payments, this move is meant to safeguard users and fight cybercrimes. Echoing Gupta’s point, Parthanil Ghosh, President at HDFC ERGO General Insurance’s retail business, said that while UPI and wallet payments provide ease and convenience, it makes the users susceptible to cybercrimes. 
“We are excited to partner with Paytm as this asserts our pledge to provide innovative solutions to mitigate cyber risks in today’s digital era. Our comprehensive insurance offering, coupled with Paytm’s digital access, will boost digital growth and ensure financial inclusion along with protection from cyber frauds across the country,” he said.
To avail this option, users can search for the ‘Payment Protect’ option on the Paytm app. Thereafter, they can enter their name, mobile number and tap on the ‘Proceed to Pay’ button. They can also visit the HDFC ERGO website for a detailed run-through of the policies, terms and conditions, and more.

A few days back, Paytm announced Bijlee Days for all the users who pay their electricity bills from the app. The digital payments service provider said that it would be offering 100 per cent cash back and additional rewards to its users who will be making payments for electricity bills between the 10-15th of every month.

How to use UPILinks in Bhutan 

 How to create UPI links

  1. Go to upilinks.in
  2. Enter your name
  3. Enter UPI or VPA

You can find your UPI ID or VPA on your payment apps like GPay, Amazon Pay, Google Pay, Phone Pay, Paytm etc.

You can refer to the following links to find out your VPA/UPI on popular apps.


GPay Or Google Pay


Amazon Pay

  1. Enter the amount of leave blank if you want the user to choose the amount.
  2. Choose link disposal date : If you want to terminate the payment link then select the date when it wants it to stop working. If you do not enable the disposal date then the link will be available forever. 

Note: If you enter invalid UPI ID or VPA a dummy link will be generated and you will not be able to use it for payments.

click here to Generate your UPI Payments links