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Last updated: 21 April, 2023

The terms and conditions contained hereinafter (“Terms of Use”) shall apply to the use of the website << Terms and Conditions >> and any other linked pages, products, software(s), API keys, features, content or application services (including but without limitation to any mobile application services) in connection therewith, offered from time to time by ICICI Bank Ltd, having its registered office at: at ICICI Bank Towers, near Chakli Circle, Old Padra Road, Vadodara, 390 007 Gujarat and its Corporate Office at ICICI Bank Towers, Bandra Kurla Complex, Mumbai 400 051.

These Terms of Use shall be in addition to any other terms as stipulated by ICICI Bank from time to time on its Website (defined below) whether pertaining to the Account (defined below) or in relation to other products, services or offers provided by ICICI Bank. Any person logging on to or using the Website (even when such person does not avail of any services provided in the Website ("SERVICES")) (hereinafter referred to as a "USER") shall be presumed to have read these Terms of Use and unconditionally and irrevocably accepted the terms and conditions set out herein (these Terms of Use). These Terms of Use, together with the rest of the Policies (defined below), constitute a binding and enforceable agreement between the User and ICICI Bank. These Terms of Use do not alter in any way the terms or conditions of any other written agreement you may have with ICICI Bank for other services. For the purpose of these Terms of Use, wherever the context so requires, the term "User" shall mean and include any natural or legal person who has agreed to these Terms of Use on behalf of itself or any other legal entity. The Terms of Use may be revised or altered by ICICI Bank Ltd at our sole discretion at any time without any prior intimation to the User. Any such changes by ICICI Bank will be effective immediately. By continuing to use this Website or to access the Services / usage of our Services after changes are made, you agree to be bound by the revised/ amended Terms of Use and such amendments shall supersede all other terms of use previously accepted by the User. You are solely responsible for understanding and complying with all applicable laws of your specific jurisdiction, including but not limited to the provisions of the RBI Guidelines pertaining to the UPI Facility, NPCI Circulars, Prevention of Money Laundering Act, 2002, Know Your Customer (KYC) / Anti-Money Laundering (AML) / Combating Financing of Terrorism (CFT) guidelines issued by the Department of Regulation, RBI etc., that may be applicable to you in connection with your business and use of our Services.


  1. In this document the following words and phrases have the meanings set opposite them unless the context indicates otherwise:
    1. "Account(s)" refers to the resident Indian savings and /or current bank account(s) held and maintained with ICICI Bank or resident savings and/or current account held with any bank in India, to be used for operations through the UPI Facility.
    2. “Bank SDK” means Sponsor bank’s Software Development Kit which comprises of PSP bank’s branding, interfacing components, wrapper functionality (created by PSP bank) bundled with Common Library.
    3. “Guidelines” means the Guidelines as prescribed by NPCI, RBI and/ or any other regulatory authorities pertaining to the UPI Facility and/ or the UPI Plug-in Facility as updated from time to time.
    4. "ICICI Bank" means ICICI Bank Limited, a company incorporated under the Companies Act, 1956 and licensed as a bank under the Banking Regulation Act, 1949 and having its registered office at at ICICI Bank Towers, near Chakli Circle, Old Padra Road, Vadodara, 390 007 Gujarat and its Corporate Office at ICICI Bank Towers, Bandra Kurla Complex, Mumbai 400 051 (which expression shall, unless it be repugnant to the subject or context thereof, include its successors and assigns).
    5. “Merchant/s” shall mean and include online, mobile-app based and offline merchants who provides goods and services in exchange for payment through UPI.
    6. “Partner/s” shall mean institutions and include online, mobile-app based and offline who shall avail various UPI services from ICICI Bank.
    7. “NPCI UPI System” means the switch and related equipment and software owned by NPCI to provide the UPI based fund transfer and funds collection facility including the National Financial Switch;
    8. "Payment Order" means an unconditional instruction issued by the User in writing or transmitted electronically to ICICI Bank through UPI or Unstructured Supplementary Service Data (“USSD”) or i-Mobile Application of ICICI Bank or Pockets application of ICICI Bank or through Partner’s channel (including but not limited to Partner Application) or through such other means as provided by ICICI Bank, to effect a fund transfer for a certain sum of money expressed in Indian rupees, to the designated account of a designated beneficiary by debiting Account(s) of the User.
    9. “PSP (Payment Service Provider)” refers to banks which are allowed to acquire Users and provide payment (credit/debit) services to Users.
    10. “Partner Application” or “Merchant Application" shall mean the application through which merchant is providing services to end user and the same is integrated with Parent Application for UPI Plug-in.
    11. “TPAP” means Third Party Application Providers.
    12. “UPI” refers to the Unified Payments Interface Service offered by NPCI in collaboration with its member banks.
    13. "UPI Facility" means the UPI based electronic fund transfer and fund collection facility provided by ICICI Bank to Users through the NPCI UPI System as per the Guidelines.
    14. “UPI Plug-in” means existing Payment Service Provider (PSP) applications (Sponsor bank applications) to extend their Software Development Kit (SDK) to integrate with the Partner’s application (any third-party player or merchant) for Person to Merchant (P2M) transactions and other limited UPI services as per business use-case of the merchant.
    15. “User” shall mean any person whose UPI transaction has been facilitated by ICICI Bank. As a PSP, ICICI Bank has extended its Bank SDK to integrate with the Partner’s Application (any third-party player or merchant) for Person to Merchant (P2M) transactions only and other limited UPI services as per business use-case of the merchant. ICICI Bank has provided UPI-Plug in services through Partner Application to the Users. The Partner Application can be used by Users to transact through their bank account after a one-time registration process.
  2. Words or expressions used in this form, but not specifically defined herein shall have the respective meanings assigned to them by NPCI.

  1. Each User desirous of availing the UPI Facility or UPI Plug-in facility shall by way of a one-time registration, in such form, manner and substance as ICICI Bank may prescribe, apply for UPI Facility and ICICI Bank shall be entitled, at its sole discretion, to accept or reject such applications. The User may apply for UPI Facility by downloading iMobilePay, Pockets application and through TPAP. The User may apply for UPI Plug-in facility through Partner Application (only P2M transactions). On iMobilePay, User will have an option to set a virtual payment address and initiate transaction via UPI. In Pockets, if User is adding an ICICI Bank account, it will have an option to set a virtual payment address for that account and start transacting using UPI. In Partner Application, User will have an option to set virtual payment address and initiate in-app P2M transaction only because P2P transactions aren’t allowed. User can link other bank accounts through a one-time registration process defined and standardized by NPCI and then start transacting on that. By applying for and accessing the UPI Facility, the User accepts these Terms, which shall govern the provision of the UPI Facility and UPI Plug-in facility by ICICI Bank. The Terms shall be in addition to and not in derogation of the Guidelines issued from time to time.
  2. The User’s consent to having read and understood the Terms, is by accessing, using and taking benefit of the UPI Facility provided by ICICI Bank.
  3. The User hereby acknowledges that the User has read and understood the Guidelines and agrees that the rights and obligations provided therein and in these Terms in so far as it relates to the User shall be binding on the User with regard to every Payment Order issued by him/it for execution in the NPCI UPI System. The User understands and agrees that nothing in terms of availing the UPI Facility shall be construed as creating any contractual or other rights against NPCI or any participant in the NPCI UPI System other than ICICI Bank. Notwithstanding anything contained herein, all terms and conditions stipulated by ICICI Bank in connection with the Accounts shall continue to apply.

UPI Facility offers an instant, 24X7, interbank electronic fund transfer or fund collection service to the Users of UPI member banks. Whereas, UPI Plug-in offers an instant, 24x7, interbank electronic (only P2M) fund transfer or fund collection service to Users of UPI member banks. The Users can put in request for fund transfers or funds collection or respond to funds collection from iMobile Pay or Pockets PSP mobile banking channels, through TPAP and in case of UPI Plug-in through Partner Application (only P2M transactions) in a secure manner for any of their linked bank Accounts. As a PSP, ICICI Bank will provide a mobile application to the Users which will use the NPCI UPI libraries facilitating payments.

In case of UPI Plug-in, ICICI Bank will extend Bank SDK to integrate with Partner Application so that payment can be made through Partner Application to merchants only (P2P transactions aren’t allowed in case of UPI Plug-in). The PSP mobile application can be used by User(s) to transact on Account(s) and the Partner Application can be used by User(s) to transact on merchant Account(s) after a one-time registration process. For convenience of making payments, we will use the VPA associated with User mobile number or that of remitter/beneficiary who have transacted with the User. The User/Partner can choose to pay or make a collect request basis any mobile number wherein the PSP mobile application/Partner Application may display the UPI ID's, in a masked format, linked to such mobile number to enable the User/Partner to pay or make collect requests.

  1. The User shall be entitled, subject to other terms and conditions of the service, to issue Payment Orders for execution by ICICI Bank.
  2. The Payment Order shall be issued by the User, in the form as prescribed by ICICI Bank, which is complete in all particulars. The User shall be responsible for the accuracy of the particulars given in the Payment Order for UPI Facility and shall be liable to compensate ICICI Bank for any loss arising on account of any error in the Payment Order.
  3. ICICI Bank disclaims all liability for execution of any Payment Order in good faith and in compliance with the instructions given by the User.
  4. The User authorizes ICICI Bank to act as a PSP and debit Account(s) as per instructions received by way of Payment Orders. The User understands that although multiple bank accounts can be linked with the UPI Facility, debit/credit transactions can be done from the default account. User may change the default account before initiating such debit/credit transactions. Each Account that may be linked with the UPI facility can be opened with a separate username / Virtual Payment Address (“VPA”).
  5. The User shall ensure availability of funds in his/her Account(s) towards the fulfillment of the Payment Order before/at the time of the execution of the Payment Order by ICICI Bank. The User hereby authorizes ICICI Bank to debit the Account(s) of the User for any liability incurred by ICICI Bank on behalf of the User for execution of the instruction issued by the User. The User understands and agrees that once a fund collection request is accepted, the default account will automatically be credited with such amounts as may be mentioned in the fund collection request. The User understands and agrees that such amounts once credited to default account cannot be reversed by the User.
  6. The User agrees that the Payment Order shall become irrevocable when it is executed by ICICI Bank.
  7. The User agrees that he shall not be entitled to make any claim against RBI and/or NPCI in respect to the UPI or UPI Plug-in Facility.
  8. The User agrees that in the event of any delay in the completion of the funds transfer or any loss on account of error in the execution of the funds transfer pursuant to a Payment Order or on account of error, negligence or fraud on the part of any employee of ICICI Bank, ICICI Bank shall have no liability whatsoever with respect to the same.
  9. The User shall provide correct beneficiary details to ICICI Bank at the time of availing the UPI or UPI Plug-in Facility. The User shall be solely responsible for entering wrong beneficiary details like incorrect Virtual Payment Address, incorrect Aadhaar number or incorrect mobile number, due to which the funds are transferred to an incorrect beneficiary.
  10. The User shall not hold ICICI Bank responsible for any damage, claim, issue arising out or in connection with any purchase of goods/services from merchants through Payment Orders issued by UPI or UPI Plug-in Facility. The User understands and agrees that all such losses, damages and issues shall constitute a claim against such merchants.
  11. The User agrees that the UPI Facility and UPI plug-in Facility is offered in line with the RBI’s guidelines on mobile banking and all other relevant guidelines / circulars issued by RBI / NPCI which are subject to change from time to time.
  12. User shall inform ICICI Bank immediately of any inquiry, question or issue raised by any authority including but not limited to any statutory authority or official regarding and relating to ICICI Bank, as well as expeditiously notify ICICI Bank of any show causes, seizure or similar action and provide copies of any notices, memos, correspondences received from such authority. User shall not unilaterally file any response / reply to such an authority without the prior approval and vetting by ICICI Bank.
  13. The User shall be solely liable for ensuring availability of sufficient funds in the Account(s) at all times for the purpose of availing the Facility. The User agrees that in the event there are insufficient funds in the Account, ICICI Bank shall decline the transaction instruction.

  1. ICICI Bank shall execute a Payment Order issued and duly authorised by the User, unless: (a) the funds available in the Account(s) of the User are not adequate or funds are not properly applicable/available to comply with the Payment Order; or (b) the Payment Order is incomplete or it is not issued in the agreed form; or (c) ICICI Bank has reason to believe that the Payment Order is issued to carry out an unlawful transaction; or (d) the Payment Order cannot be executed under the NPCI UPI System.
  2. No Payment Order issued by the User shall be binding on ICICI Bank until ICICI Bank has accepted it.
  3. ICICI Bank shall, for execution of every Payment Order, be entitled to debit the designated Account(s) of the User, with the amount of the funds to be transferred together with charges payable thereon.
  4. A duly authenticated record of the transaction after completion of the funds transfer or funds collection or response to a funds collect request will be recorded in the statement of account in the mobile application of ICICI Bank or in the Partner Application (in case of UPI Plug-in). The transaction will also be recorded in the statement of account issued by the User’s bank to the user. The User shall, within a period of ten days from the date of receipt of the monthly statement, report to ICICI Bank any discrepancy in the execution of the Payment Order. The User agrees that he/she shall not be entitled to dispute the correctness of the execution of the Payment Order or the amount debited to his Account(s) if he fails to report the discrepancy within the said period.
  5. ICICI Bank for providing the UPI Facility or the UPI Plug-in facility to the User shall follow the process prescribed by NPCI in this regard including but not limited to process for settling of timed out transactions within the time limit prescribed by NPCI.
  6. ICICI Bank may review user transactions for identifying high risk transactions and reserves the right to not process the transaction if it believes it to be suspicious, fraudulent or unusual and report the transaction and user account details to legal enforcement agencies or other regulatory authorities as applicable or notified by law.

  1. The User is responsible for the accuracy and authenticity of the instructions provided to ICICI Bank and the same, if is in the form and manner prescribed by ICICI Bank, shall be considered to be sufficient to operate the UPI or UPI Plug-in Facility. ICICI Bank shall not be required to independently verify the instructions. ICICI Bank has no liability if it does not or is unable to stop or prevent the implementation of any Payment Order issued by the User. Once a Payment Order is issued by the User the same cannot be subsequently revoked by the User.
  2. ICICI Bank shall refuse to comply with the instructions without assigning any reason and shall not be under any duty to assess the prudence or otherwise of any instruction. ICICI Bank has the right to suspend the transactions with respect to the UPI or UPI Plug-in Facility if it has reason to believe that the User’s instructions will lead to or expose to direct or indirect loss to ICICI Bank or may require an indemnity from the User before continuing to operate the UPI or UPI Plug-in Facility.
  3. All instructions, requests, directives, orders, directions, entered by the User, are based upon the User’s decisions and are the sole responsibility of the User.

The User irrevocably and unconditionally authorises ICICI Bank to access and use all information of the User’s Account(s) and records received while facilitating the UPI or UPI Plug-in Facility. The User agrees that ICICI Bank and its affiliates (or their contractors/service providers) may hold and process its personal information, any information made available pursuant to processing of the UPI transaction, and all other information concerning its Account(s) on computer or otherwise in connection with the UPI or UPI Plug-in Facility as well as for analysis, credit scoring and marketing or making offers of various financial or other products and/or services that provide an opportunity to the User to acquire, insure, invest, save or otherwise undertake a financial or other transactions.

ICICI Bank does not hold out any warranty and makes no representation about the quality of the UPI or UPI Plug-in Facility. The User agrees and acknowledges that ICICI Bank shall not be liable and shall in no way be held responsible for any damages whatsoever whether such damages are direct, indirect, incidental or consequential and irrespective of whether any claim is based on loss of revenue, interruption of business, transaction carried out by the User and processed by ICICI Bank, information provided or disclosed by ICICI Bank regarding User’s Account(s) or any loss of any character or nature whatsoever and whether sustained by the User or by any other person. While ICICI Bank shall endeavour to promptly execute and process the transactions as proposed to be made by the User, ICICI Bank shall not be responsible for any non-response or delay in responding due to any reason whatsoever, including due to failure of operational systems or any requirement of law. ICICI Bank shall not be liable for any loss, claim or damage suffered by the User and/or any other third party arising out of or resulting from failure of an UPI transaction on account of time out transaction i.e. where no response is received from NPCI or the beneficiary bank to the transaction request and/or where mobile number or account number of the beneficiary does not exist. Further, ICICI Bank shall also not be liable for any loss, damage and/or claim arising out of or resulting from wrong beneficiary details, mobile number and/or account details being provided by the User. Neither ICICI Bank nor its affiliates, directors, officers and/or agents shall be liable for any unauthorized persons accessing the records or Account(s) or information through the use of UPI or UPI Plug-in Facility and the User hereby fully indemnifies and holds ICICI Bank, its affiliates, directors and officers harmless against any action, suit, proceeding initiated against it or any loss, cost or damage incurred by it as a result thereof. ICICI Bank shall under, no circumstance, be held liable to the User if UPI or UPI Plug-in Facility or Partner Application access is not available in the desired manner for reasons including but not limited to natural calamities, legal restraints, faults in the telecommunication network or network failure, or any other reason beyond the control of ICICI Bank. Illegal or improper use of the UPI or UPI Plug-in Facility shall render the User liable for payment of financial charges (to be decided by ICICI Bank) or may result in suspension of the UPI or UPI Plug-in Facility to the User. ICICI Bank states that it shall have no liability or obligation towards any erroneous transactions getting triggered due to a system bug on the app or system breakdown at TPAP’s or Partner’s end or for any other reasons solely attributable to the TPAP or Partner Application.

All the records of ICICI Bank generated by the transactions arising out of the use of the UPI or UPI Plug-in Facility, including the time the transaction is recorded shall be conclusive proof of the genuineness and accuracy of the transaction. For the protection of both the parties, and as a tool to correct misunderstandings, the User understands, agrees and authorises ICICI Bank, at its discretion, and without further prior notice to the User, to monitor and record any or all telephone conversations between the User/users and ICICI Bank and any of its employees or agents. ICICI Bank expressly disclaims all warranties of any kind, whether express or implied or statutory, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose, data accuracy and completeness, and any warranties relating to non-infringement in the UPI or UPI Plug-in Facility.

The User / Partner agree/s, at its own expense, to indemnify, defend and hold harmless ICICI Bank, its directors and employees, representatives, agents, and its affiliates against any claim, suit, action or other proceeding brought against ICICI Bank, its affiliates, directors and employees, representatives or agents by a third party, to the extent that such claim, suit, action of other proceeding brought against ICICI Bank, its affiliates, directors and employees, representatives or agents is based on or arises in connection with the use of the UPI or UPI Plug-in Facility with reference to :

  1. a violation of the Terms by the User;
  2. any deletions, additions, insertions or alterations to, or any unauthorized use of, the UPI or UPI Plug-in Facility by the User;
  3. any misrepresentation or breach of representation or warranty made by the User contained herein;
  4. any breach of any covenant or obligation to be performed by the User hereunder;
  5. Fraud, error, inadequate financial capacity to fulfill obligations and/or provide remedies;
  6. Legal risks including but not limited to exposure to fines, penalties, or punitive damages resulting from supervisory actions, as well as private settlements due to omissions and commissions of User;
  7. against any losses which may be suffered or incurred by the NPCI and that the NPCI compels ICICI Bank to pay, and which must arise out of or in connection with the following events, solely to the extent that such events are directly caused by the acts or omissions of the Partners.
  • false and misleading statements and/or disclosures by Partners, whether or not related to the strategic tie-ups between ICICI Bank and Partners;
  • any third-party claim or action against NPCI in connection with the use of UPI Services/platform by Partners (and in such an event, besides the obligation to indemnify, Partners shall defend and /or NPCI in defending, at the option of ICICI Bank and at Partners‘ sole cost, such claims or actions); or
  • any infringement of intellectual property rights pertaining to the use of the UPI services / platform, irrespective of whether or not NPCI incurs any liability in this regard by virtue of any judgment of a court of competent jurisdiction.
  • Reliance being placed by ICICI Bank on communication received from TPAP’s/Partner’s system, if such communication was occasioned by any error or malfunction of TPAP’s/Partner’s application.

The User agrees to pay any and all costs, damages and expenses, including, but not limited to, reasonable attorneys’ fees and costs awarded against it or otherwise incurred by or in connection with or arising from any such claim, suit, action or proceeding attributable to any such claim. The User hereby agrees that under no circumstances, ICICI Bank’s aggregate liability for claims relating to the UPI or UPI Plug-in Facility, whether for breach or in tort including but not limited to negligence shall be limited to the transaction charges/fees or consideration paid by the User within the previous twelve (12) months for the UPI or UPI Plug-in Facility, excluding any amount paid towards transactions.

ICICI Bank shall be entitled to sell, assign, securitise or transfer ICICI Bank’s right and obligations under these Terms and any security in favour of ICICI Bank (including all guarantee/s) to any person of ICICI Bank’s choice in whole or in part and in such manner and on such terms and conditions as ICICI Bank may decide. Any such sale, assignment, securitisation or transfer shall conclusively bind the User and all other persons. The User, its successors and assigns are bound by these Terms. However, the User shall not be entitled to transfer or assign any of its rights and obligations under these Terms.

The User may request for termination of the UPI or UPI Plug-in Facility any time by giving a prior written notice of at least 30 days to ICICI Bank. The User will remain responsible for all the transactions made through the UPI or UPI Plug-in Facility until the time of such termination. ICICI Bank may withdraw or terminate the UPI or UPI Plug-in Facility anytime either entirely or with reference to a specific UPI or UPI Plug-in Facility without assigning any reasons whatsoever. ICICI Bank may suspend or terminate the UPI or UPI Plug-in Facility without prior notice if the User has breached any of these Terms.

The laws of India shall govern these terms and conditions and/or the operations in the Account(s) maintained with ICICI Bank. Any legal action or proceedings arising out of these Terms shall be brought in the courts or tribunals at Mumbai in India. ICICI Bank may, however, in its absolute discretion commence any legal action or proceedings arising out of these Terms in any other court, tribunal or other appropriate forum, and the Customer hereby consents to that jurisdiction. The clause headings in this Terms are only for convenience and do not affect the meaning of the relative clause. ICICI Bank may sub-contract and employ agents to carry out any of its obligations hereunder. ICICI Bank may transfer or assign its rights and obligations under this contract to any other entity. ICICI Bank has the absolute discretion to amend or supplement any of the Terms as stated herein at any time and will endeavor to give prior notice of fifteen days for such changes wherever feasible. By using the new services, the User shall be deemed to have accepted the changed terms and conditions. Notices under these Terms may be given in writing by delivering them by hand or on ICICI Bank’s website or by sending them by post to the last address given by the User and in the case of ICICI Bank to its corporate office address. In addition, ICICI Bank may also publish notices of general nature, which are applicable to all Users in a newspaper or on its website at Such notices will have the same effect as a notice served individually to each User. Notice and instructions will be deemed served 7 days after posting or upon receipt in the case of hand delivery, cable, telex or facsimile. Any provision of these Terms, which is prohibited or unenforceable in any jurisdiction, shall, as to such jurisdiction, be ineffective to the extent of prohibition or unenforceability but shall not invalidate the remaining provisions of these Terms or affect such provision in any other jurisdiction. ICICI Bank shall have the right of set-off and lien, irrespective of any other lien or charge, present as well as future on the deposits held in the Account(s) to the extent of all outstanding dues, whatsoever, arising as a result of the UPI Facility extended to and/or used by the User.

  1. NPCI owns and operates the Unified Payments Interface (“UPI”) platform.

  2. NPCI prescribes rules, regulations, guidelines, and the respective roles, responsibilities and liabilities of the participants, with respect to UPI and UPI Plug-in. This also includes transaction processing and settlement, dispute management and clearing cut-offs for settlement.

  3. NPCI approves the participation of Issuer Banks, PSP Banks, Third Party Application Providers (TPAP), and Prepaid Payment Instrument issuers (PPIs) in UPI and Partner/Merchant in UPI Plug-in.

  4. NPCI provides a safe, secure and efficient UPI system and network.

  5. NPCI provides online transaction routing, processing and settlement services to members participating in UPI and UPI Plug-in.

  6. NPCI can, either directly or through a third party, conduct audit on UPI participants and call for data, information and records, in relation to their participation in UPI and UPI Plug-in.

  7. NPCI provides the banks participating in UPI access to system where they can download reports, raise chargebacks, update the status of UPI transactions etc.

  1. PSP Bank is a member of UPI and connects to the UPI platform for availing UPI payment facility and providing the same to the TPAP which in turn enables the end-user customers / merchants to make and accept UPI payments.

  2. PSP Bank, either through its own app or TPAP’s app, on-boards and registers the end-user customers on UPI and links their bank accounts to their respective UPI ID.

  3. PSP Bank is responsible for authentication of the end-user customer at the time of registration of such customer, either through its own app or TPAP’s app

  4. PSP Bank engages and on-boards the TPAPs to make the TPAP’s UPI app available to the end-user customers.

  5. PSP Bank has to ensure that TPAP and its systems are adequately secure to function on UPI platform.

  6. PSP Bank is responsible to ensure that UPI app and systems of TPAP are audited to safeguard security and integrity of the data and information of the end-user customer including UPI transaction data as well as UPI app security.

  7. PSP Bank has to store all the payments data including UPI Transaction Data collected for the purpose of facilitating UPI transactions, only in India.

  8. PSP Bank is responsible to give all UPI customers an option to choose any bank account from the list of Banks available on UPI platform for linking with the customer’s UPI ID.

  9. PSP Bank is responsible to put in place a grievance redressal mechanism for resolving complaints and disputes raised by the end-user customer.

Sponsor Bank is UPI certified member and acts as a channel between Partner Application and NPCI. PSP Bank/ Sponsor Bank is extending UPI based payment facility to their partners by extending its SDK to the Partner Application.

1. Sponsor Bank must complete the due diligence of partner on-boarding with all pre-requisite documents, as per the requirement prescribed by NPCI in this regards.

2. Bank must ensure the solution to only extend the banks own app service to the Partner apps.

3. The Parent Application (bank UPI app) must be certified with NPCI, support interoperability and enabled for all UPI mandatory features including services provided by their client app (Partner Application).

4. Profile managed under the Partner Application must be in sync with the Parent Application and guidelines related to non-exclusive handle must comply.

5. User can be on-boarded via Parent Application or Partner Apps, however the user UPI profile should be only maintained by the Sponsor Bank.

6. Sponsor Bank must ensure the compliance on the guidelines issued by the NPCI and regulators.

7. Sponsor Bank to ensure to restrict customer sensitive payment information flow to Partner Application. Only requisite payment information may be shared which are essential to support payment services.

8. As there is no back-office change, bank need to ensure the data restriction as per the NPCI/ regulator guidelines with such partners in the back-office reports or files.

9. Ensure correct information flow to the NPCI, basis the initiating app (parent or partner app) and the relevant app ID details to be pass to NPCI.

10. Sponsor Bank must ensure Data Localization guidelines by Regulators.

11. Must ensure the UPI Interoperability via the Partner’s Application.

12. The bank developed solution should mandatorily control the information flow to Partner Application (restrict customer sensitive data flow from the Sponsor Bank SDK to Partner app).

13. Must ensure the all the user onboarding activity should be managed by the PSP SDK only and not depended on the Partner Application.

14. Sponsor Bank must ensure there will be no server connectivity or API connectivity with the partners to initiate the payment request, the same will be managed by PSP SDK only. However, Partner’s server can be used for processing transaction confirmation/ status enquiry related activities.

15. Any UPI functionality supported by the Partner Application must be supported Parent Application.

16. The Sponsor Bank to ensure that, by virtue of UPI integration via UPI Plug-In, the partner does not have access to the customer sensitive data including personal information and Sensitive Personal Data and Information except as may be required by the merchant to support customers to raise dispute with respect to UPI transaction made using the merchant app. Further, the partner shall not share any UPI transaction data with any other entity without the prior consent of Sponsor Bank and NPCI.

17. The Partner Application should provide the option of raising complaints and dispute for transaction initiated by the Partner bank via this route.

18. Sponsor Bank should have the Unified Dispute and Issue Resolution (“UDIR”) services which should be integrated by Partner Application. All the eligible customer complaints and dispute should be routed via UDIR.

19. The Sponsor Bank will be liable for all the security mechanism implemented in SDK/ Plug-in including all NPCI defined security checks, validations. Any losses arising out of non-implementation of such processes will be owned by the Sponsor Bank.

20. Sponsor Bank must ensure the UPI Plug-In SDK will be hosted in bank Infrastructure only and data communication for payment request will happen between the UPI Plug-In SDK and bank server directly without routing data to the partner’s server. However, Partner’s server can be used for processing transaction confirmation/ status enquiry related activities.

21. Sponsor Bank must validate and allow only Merchant Payment via this Integration.

22. NPCI, RBI or any authorised agency must have right to conduct any audit, seek data & report, copy of agreements between Sponsor Bank and Partner.

UPI Plug-In enabled Partner’s applications, customer interface/ app for initiating payment. Partner Application must undertake the following responsibilities;

1. The UPI Plug-In solutions based approach is on the SDK integration approach which will be deployed in the partner applications.

2. Partner Application must complete the due diligence of NPCI and Sponsor Bank PSP SDK enablement requirements to enable the UPI Plug-in service.

3. While enabling UPI on the Partner Application, the Partner will prominently communicate to the customer/ end customers that UPI based payment facility on the Partner Application is provided by the Sponsor PSP Bank and the Parent PSP Application can be used for the full UPI functionality. Sponsor Bank logo and information that the SDK solution is provided by the Sponsor Bank should be prominently shown when the user is initiating the UPI payment via the Sponsor Bank SDK.

4. Partner Application must ensure to comply with the relevant guidelines/ circular issued by NPCI and regulators under the proposed framework.

5. Partner Application should provide the option of raising complaints and disputes for transactions initiated by the Partner Bank via this route. Sponsor Bank SDK should have the UDIR services which should be integrated by the Partner Application. All the eligible customer complaints and disputes should be routed via UDIR.

6. Partner Application to comply with the interoperable guidelines and provide the other UPI payments option to the customers via Intent or collect based payment mode.

7. Following are the minimum functionality need to be supported by the Partner Application;

UPI Functionality

Mandatory Functionality

User UPI Profile

Partner Application to provide minimal profile page With functions like set/reset UPI PIN, change bank account, deregister from UPI and delink profile from Partner app.

Transaction History

Transaction history related to Partner Application ONLY to be displayed to raise the disputes.

Response to Collect

Payer PSP/Sponsor bank to communicate customer on the collect request raised on the UPI ID to download the Parent PSP to action the request (if partner Application opted functionality)

Customer On-boarding process

While registering on the Partner Application the application should promote the Parent Application

Dispute Mechanism

UDIR feature to be mandatorily enabled by such partner apps.

  1. UPI app customers being the end-Users (“End-Users”) can raise a complaint with respect to a UPI transaction/UPI Plug-in transaction, on the PSP app / TPAP app.

  2. End-User can select the relevant UPI transaction/ UPI Plug-in transaction and raise a complaint in relation thereto.

  3. A complaint shall be first raised with the relevant TPAP/Partner Application in respect to all UPI related grievances / complaints of the End-Users on-boarded by the PSP Bank / TPAP (if the UPI transaction is made through TPAP app)/by the Partner. In case the complaint / grievance remains unresolved, the next level for escalation will be the PSP Bank, followed by the bank (where the End-User maintains its account) and NPCI, in the same order. After exercising these options, the end-User can approach the Banking Ombudsman and / or the Ombudsman for Digital Complaints, as the case may be.

  4. The complaint can be raised for both the types of transactions i.e. fund transfer and merchant transactions, for UPI Plug-in complaint can be raised for merchant transaction only

  5. The End-User shall be kept communicated by the PSP / TPAP/Partner by means of updating the status of such End-User’s complaint on the relevant Partner Application itself.

User shall comply with all applicable laws and understands the usage of the UPI Facility/UPI Plug-in is in addition to the terms and conditions applicable to ICICI Bank accounts, in the event the UPI ID is linked to an ICICI Bank account.

The User understands that UPI Facility/UPI Plug-in Facility may become unavailable due support or technical upgradation, maintenance work, in order to update the content or for any other reason.

The User understands that these Terms may be amended or supplemented at any time by hosting the same on its website i.e. (“Website”) or in any other manner as decided by ICICI Bank. The User shall be responsible for regularly reviewing these Terms and the amendments thereto as may be posted on the Website.