BHIM

pmt_bhim
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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:
Initiation:
Users
25M
Markets
1
TPV
$3.3B
Transactions
298M

Estimated Monthly Usage, Aurato Research, October 2026

Historical trends

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

Standards