Users
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BHIM is an Indian bank-account payment app built on UPI. Customers use phone or payment identifiers and QR codes for transfers and merchant purchases, approving transactions through authentication; additional features such as delegated payments follow their own eligibility rules.
Use cases:
Channels:
Initiation:
Markets
1TPV
$3.3BTransactions
298MEstimated Monthly Usage, Aurato Research, October 2026
Capabilities
Initiation & Authentication
Funding & Requirements
Processing & Settlement
Transaction Management
Refunds & Disputes
Additional native capabilities
Markets
Estimated Monthly Usage, Aurato Research, October 2026
PSPs
Schemes
Compliance
Regulator
Reserve Bank of India




