NPCI BHIM Services Limited (NBSL), a subsidiary of the National Payments Corporation of India (NPCI), has introduced MyUPI, a new conversational AI-powered assistant, directly into the BHIM Payments App. This initiative aims to significantly simplify UPI support, streamline mandate management, and enhance safety controls for users.
Launched by NPCI at the Global Fintech Fest 2026, MyUPI is designed to provide users with round-the-clock assistance in everyday language. Initially, it supports English, Hindi, Telugu, Tamil, and Bengali, with plans to integrate more regional languages in the future. The assistant acts as a single interface for various user needs, from transaction support to fraud awareness.
“As digital payments continue to become more integral to everyday life, trust must remain at the heart of every interaction. MyUPI strengthens the BHIM Payments App with a proactive trust layer that enables users to seek information, resolve concerns and take timely action with greater clarity and confidence.”
— Lalitha Nataraj, Managing Director and CEO, NPCI BHIM Services Limited
Key Features of MyUPI AI Assistant on BHIM App
The MyUPI AI assistant integrates several crucial functionalities to enhance the user experience and security:
- Transaction Assistance: Users can view all UPI transactions across their linked bank accounts and UPI apps in one consolidated view, and get specific help for any payment.
- Complaint Resolution and Tracking: Eligible payment-related complaints can be raised directly through MyUPI. Users receive a reference number and can track the progress within the BHIM app.
- Pay Safe: Before making a payment, users can enter a UPI ID or upload a QR code to verify the payee's name, adding an extra layer of security.
- UPI Autopay Mandate Management: MyUPI offers a comprehensive view of recurring payments and mandates across linked accounts and applications. Users have the flexibility to pause, resume, or cancel an Autopay mandate as needed.
- Transaction Replay: This feature allows users to re-initiate eligible previous UPI payments, including peer-to-peer (P2P) and person-to-merchant (P2M) transactions, even if they were originally made through another UPI app. A fresh UPI PIN authentication is required.
- UPI Number De-linking: Users who prefer not to receive payments via their mobile-linked UPI Number can de-link it while still receiving payments through their UPI ID.
- Safety Switch: In critical situations such as a lost phone, suspected account compromise, unexpected debits, or suspicious messages, users can quickly block a linked bank account via MyUPI to prevent further unauthorized transactions.
- Fraud Awareness Assistance: MyUPI provides conversational guidance on identifying suspected scam messages and commonly reported UPI fraud methods, helping users stay informed and secure.
This comprehensive set of features positions MyUPI as a vital tool for millions of BHIM app users, aiming to make digital payments safer, more transparent, and user-friendly.