HPCL Pilot FAQ’s

Unified Payment Interface (UPI) enables all bank account holders (of banks participating in UPI) to send and receive money from their smartphones with a single identifier, the Virtual Payment Address (VPA) – without entering any additional bank account information. UPI can also be used to pay merchants who accept UPI as a payment mode.

VPA is an identifier that can be uniquely mapped to an individual account using a translation service. Example: abc@pockets wherein “abc” is a unique name that you can choose for yourself. UPI services of ICICI Bank offers customers the option to create any number of virtual addresses so that they can use the virtual address for making and receiving payments.

If you are an ICICI Bank customer, you can either download iMobile or Pockets. You can assign a VPA to your ICICI Bank account in the “Services” section of iMobile or the “UPI” section in Pockets.

If you are a Non-ICICI Bank customer, download Pockets, register yourself and navigate to the UPI section. Under the UPI Section, navigate to the “Add My Bank Accounts”. Here, you can choose a VPA and then link bank accounts that you hold with other banks.

• Please ensure that the mobile number linked to your Pockets mobile application is the same as the mobile number registered with the bank whose account you would like to link
• In Pockets mobile application, navigate to the UPI screen by clicking on “UPI” on the home screen. Then navigate to “Add My bank accounts”.
• Choose your VPA. You can use your existing VPA if you have already created one or create a new VPA.
• On the next screen, search for and choose the bank with whom you hold your account
• The next page should list the bank accounts held with the chosen bank and linked to the same mobile number.
• Choose the account you would like to add. If you already have an MPIN, choose the option “Use Existing UPI MPIN” and enter your UPI MPIN associated with this bank account to complete the linking process
• Alternately, choose the option “Generate UPI MPIN”. Enter your debit card details as directed on the next screen. You should have received an OTP from your bank at this point. Enter the OTP.
• Choose your UPI MPIN for this account. This UPI MPIN will be used in the future for every transaction that you make on this account. Ensure you don’t reveal this UPI MPIN to anyone else.
• When your debit card details are validated with your bank, your account will be linked instantly to Pockets mobile application.

Currently, linking of other bank accounts is not supported in iMobile.

Yes, you can. Choose your existing VPA while linking your second bank account. If you link more than 1 account to a VPA, you can set which account you would like to set as default to send and receive money.

You can change your default account by navigating to “Manage Virtual Address” in iMobile or “Change Default Account” under “UPI” in Pockets. Choose the VPA that you would like to change the default account for, choose the linked accounts and set your default preferences.

In iMobile

1. Once the cashier has generated the QR code, login to iMobile
2. After logging in, click on UPI>Transact>Pay using QR code
3. Tap to invoke the camera and scan the QR code
4. Once QR code is detected, you will be able to see the merchant and bill details
5. When you click on “Submit”, you may be asked to enter iMobile MPIN to confirm fund transfer. Upon submission of these details, funds will be transferred instantly to the beneficiary.

In Pockets

1. Once the cashier has generated the QR code, login to Pockets
2. After logging in, click on UPI > Transact > Scan QR code
3. Tap to invoke the camera and scan the QR code
4. Once QR code is detected, you will be able to see the merchant and bill details
5. When you click on “Submit”, you may be asked to enter UPI MPIN to confirm fund transfer. Upon submission of these details, funds will be transferred instantly to the beneficiary.

You can check your transaction status using “UPI Transaction history” tab in “Account Services” on iMobile. In Pockets, navigate to the “UPI” section and choose “UPI Transaction History”. Choose your VPA (if you have multiple) and enter the date range of interest to view your transactions.

When you initiate a transaction, choose the VPA that you would like to transfer funds from. On the next screen, you will be given a confirmation page that lists the account that will be debited. On this page, you will also be given an option to change the default account associated with this VPA. Choose this option and select the account that you would like to be debited.

Yes, the beneficiary needs to download a Payment Service Provider (PSP) app and register for a VPA. The beneficiary needs to communicate this VPA to you to initiate a transaction.

Currently, the cap is ₹100,000 or 5 transactions in 24 hours, whichever is earlier. This may change from time to time and is subject to the UPI guidelines. Additionally, there may be additional per-day limits based on other transactions carried out through iMobile or Pockets.

UPI is designed to adhere to the two factor guidelines of RBI. If you lose your SIM card/mobile, the other person would still need to know your UPI PIN and/or the login PIN for iMobile and Pockets to transact on your accounts.

UPI services are available 24 hours a day, and throughout the year including bank and public holidays.

Yes. In case, your account is debited and beneficiary account is not credited, the reversal should happen within the next few minutes. If this reversal does not happen, then please call our Customer Care and give the details of the transaction.

For successful transactions, funds get credited into the beneficiary's account instantaneously

On successful completion of the transaction, you will get an SMS on your registered mobile number.

You have the choice of linking both accounts to a VPA. In this scenario, please ensure you appropriately tag which account you would like to use as the default account to debit and which account you would like to use as the default account to credit. Alternately, you can assign a separate VPA for each account.

You have the choice of linking both accounts to a VPA. In this scenario, please ensure you appropriately tag which account you would like to use as the default account to debit and which account you would like to use as the default account to credit. Alternately, you can assign a separate VPA for each account.

You will receive cashback only in case you have used iMobile or Pockets to make payment from your savings account. This cashback shall be credited to your savings account within 30 days from the date of the transaction.

You have not received cashback because you have not used ICICI Bank PSP apps (iMobile / Pockets) to make a payment.

You will be able to link your savings account on Pockets if your bank is live on UPI. Please refer the link to find if your bank is live on UPI: http://www.npci.org.in/UPI_Livemembers.aspx