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In this era of digital payments, billions of transactions occur daily. But these often come with problems like payment failures, delays, or autopay. To address these issues, the National Payments Corporation of India (NPCI) has launched UPI Help, an AI-based smart assistant that will answer all your payment-related questions.

This assistant will not only answer users' questions but also allow them to register payment-related complaints and track their status. Its most significant feature is that it will become smarter as users use it.

What is UPI Help, and how does it work?

UPI Help is an artificial intelligence (AI)-powered digital assistant developed by NPCI. It functions like a chatbot and answers your questions. If you have a failed payment, autopay is active, or you need details about a transaction, UPI Help will provide immediate assistance. It will be available through the NPCI website, participating banks' chatbots, the DigiSathi platform, and, in the future, through UPI apps.

No more worries about digital payment-related questions
Now, if a user has a question regarding a payment feature or transaction guidelines, they don't need to visit the website or call the bank. Simply type the question into the UPI Help chat, and the AI ​​assistant will respond immediately.

For example:

"My transaction is pending. What should I do?"

"How do I turn off AutoPay?"

"Where is my payment stuck?"

This AI assistant will provide instant answers to such questions, improving the user experience.

Facility to lodge complaints and track transactions
If your payment has failed or been debited but not credited, filing a complaint will now be extremely easy. Users can log their complaints by entering their transaction details on UPI Help. The system connects directly with the bank, registering your complaint and allowing you to track its status. It will then share essential data with the bank to facilitate faster resolution.

Autopay and Mandate Management Made Easy
This feature is extremely useful for users using UPI Autopay or subscription services. Users will now be able to view all their active mandates in one place. They can manage them by typing commands like Pause, Resume, or Revoke. All these commands can be done simply by typing them into the chat. The system directly links to your bank or UPI app, automating the process.

AI Support for a Smooth and Secure Experience
This AI assistant is not just a support tool for users, but also a smart guidance system. It provides answers based on real-time data and user queries. Each time a user asks a question, the system learns and provides more accurate answers the next time. This will significantly reduce the need for customer care calls or lengthy complaint processes in the future.

How will the digital payment experience change?
Users will receive immediate assistance.
Complaints will be resolved faster.
Autopay and subscription controls will be simplified.
The system will become transparent and reliable.
Customer service pressure on banks will be reduced.
NPCI says this system will not only help users but also strengthen the reliability of digital payments.

Digital India Mission Gains Momentum
Launching UPI Help is another step in the government's Digital India mission. It will increase both the reach of digital payments and the user-friendly experience. NPCI's goal is to provide every user with hassle-free and technical expertise to make digital transactions.

UPI Help is a major step forward for India's digital payment ecosystem. It will not only resolve complaints but also empower every user with self-reliance. With the help of AI technology, every payment-related problem will now be resolved within seconds, and this is the true hallmark of India's digital future.

Frequently Asked Questions (FAQs)
1. What is UPI Help?

It is an AI assistant that answers questions related to UPI.

2. Who created it?

It was developed by NPCI (National Payments Corporation of India).

3. Where can it be used?

On bank websites, DigiSathi, or UPI apps.

4. Can it log payment complaints?

Yes, you can log a failed transaction or complaint.

5. Is it a free service?

Yes, it is free for all users.

Disclaimer: This content has been sourced and edited from Zee Business. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.