Earlier, in the UPI onboarding flow, it was mandatory to provide a debit card to set up a user’s UPI PIN for the registration process on the PhonePe app. This restricted access to people who did not have their debit car ready with them. Now, the Aadhar based e-KYC flow has simplified the onboarding process of registration.
PhonePay users can choose the Aadhaar card option on the PhonePe app for the onboarding process and they will need to enter the last six digits of their Aadhaar to start the onboarding process. These users would receive an OTP from UIDAI and their respective bank to complete the authentication steps.
Here is how to activate PhonePe UPI account using the Aadhaar card:
STEP1. Open the PhonePe app on an Android or iOS device.
STEP2. Go to the PhonePe profile page.
STEP3. Under the Payment Instruments tab, choose the Add bank account option.
STEP4. Select the bank, then verify the mobile number using OTP authentication.
STEP5. PhonePay will obtain bank account details and link them to UPI.
STEP6. Then, move to set up UPI PIN. An option to select between debit card and Aadhaar card details will be visible.
STEP7. Fill in the last six digits of the Aadhaar number. An OTP will be sent to your registered mobile number.
STEP8. Now, enter the OTP received and set up the UPI PIN.
STEP9. PhonePe UPI is activated and ready to make payments.
“The addition of Aadhaar onboarding for UPI will do away with this restriction, and allow previously under-served populations to experience the convenience and benefits of digital payments," stated the company in a statement.
