UPI support is getting a chat window. BHIM MyUPI, launched by NPCI BHIM Services Limited, brings nine UPI-related services into an AI-powered assistant within the BHIM Payments App.

Launched at Global Fintech Fest 2026, MyUPI offers 24/7 assistance in everyday language, allowing users to check transactions, raise complaints, manage mandates and access safety tools without moving between multiple screens or support channels.

The feature currently supports English, Hindi, Telugu, Tamil and Bengali, with more regional languages planned.

MyUPI lets users view UPI transactions across their linked bank accounts and UPI apps in one place. They can select a transaction and seek help directly within the BHIM app.

The assistant also handles eligible payment complaints. Users can raise an issue, receive a complaint reference number and track its status without leaving the app.

Another feature, Transaction Replay, lets users re-initiate eligible earlier UPI payments, including P2P and P2M transactions originally made through another UPI app. Any new payment still requires authentication through the UPI PIN.

Recurring payments get a similar treatment. MyUPI provides a consolidated view of UPI Autopay mandates across linked accounts and apps. Users can view mandate details and, where permitted, pause, resume or cancel them.

Users can also de-link their mobile-linked UPI Number if they no longer want to receive payments through it, while continuing to receive money through their UPI ID where applicable.

Its Pay Safe feature allows users to enter a UPI ID or upload a QR code to verify the payee name before making a payment.

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