Bank to Wallet Transactions (Wallet Load)

How much money can I load in my Wallet?

If you are a Min KYC customer-
- You can load upto Rs. 5000 in a Day and can maintain a balance of upto 10000.
- You can upgrade your Wallet KYC to "Full KYC" then-
- You can load upto Rs. 50000 in a Day and can maintain a balance of upto 200000.
- You can load upto Rs. 12 lac in a Year

How many times can I load my Wallet?

You can make up to 4 successful transactions per day (20 if you are Full KYC customer) and 12 transactions per week (100 if you are Full KYC customer).
However, if you are loading money through credit/debit cards you can only make up to 2 successful transactions per card.
After 3 consecutive failed transactions there is cooling period of 2 hours, try loading your dhani Wallet only after the cooling period - Please note that such cooling period is subject to change from time to time and without giving any prior notice.

While loading money, amount got debited but money not reflecting in Wallet.

In case if the transaction fails for any reason, the amount automatically gets reversed back to the Bank within 7 to 10 working days.

How much will I be charged if I load money through Credit Card ?

For loading money into a dhani wallet through Credit/Prepaid card there is a convenience fee of 1.65% or 10 whichever is higher (applicable from last week of Oct'21).

Are there any charges if I load money through Net Banking/UPI ?

There are no charges if you load your dhani Wallet through Net Banking/UPI.

Are there any charges if I load money through Debit Card ?

There are no charges if you load your dhani Wallet through Debit Card.

I am unable to load money in my Wallet ?

Below could be reasons why you are unable to load your dhani Wallet :
1. If the fund loading limits for your specific KYC category are being exhausted. Please wait until another 24 hours and if still not working then wait for 1st of the next calendar month to load funds.
2.Verify the card or bank details for authorizing the funds.
3.Please refer to load limit related FAQ for more details.

How much money can I spend in a month ?

If you are a Min KYC customer, you can spend upto Rs. 10,000 in a month & if you upgrade your Wallet KYC to "Full KYC" you can spend upto Rs. 2,00,000 in a month.

How many banks are available for loading money in Wallet ?

You can load money into your dhani Wallet through Net Banking from the leading commercial banks in India.
Follow below steps to check the same:
> Log in to dhani Application
> Click on "Services" option
> Click on "Add Money" in My Dhani Wallet section.

Is there any restriction for Cash loading in Wallet ?

Currently, this service is not available, we will inform once this is live for our customers.

How many cards can be saved / stored in Wallet for loading money ?

You can store up to 5 cards in your dhani Pay Wallet.

Wallet to Bank Transactions (Bank Transfer)

How can I add Beneficiary or Bank account ?

You just need to follow few simple steps to add Beneficiary by following the below steps :
- Log in dhani Application
- Go to "Services" Page
- Click on "To Bank" option in "Transfer Money" section
- Click on "Add A Bank Account"
- Add the Account Holder's - Name/Account Number/IFSC Code/Branch Name
- You can start transfering money after 30 minutes"

How can I transfer money from my dhani Pay Prepaid Account to my bank account?

Please find the steps to transfer Funds from your Wallet to Bank Account or click here:
- Log in dhani Application
- Go to "Services" Page
- Click on "to Bank" option in "Transfer Money" section- Add Beneficiary and then transfer the fund.
Once Beneficiary is added, you can enjoy transacting after 30 mins.

While transferring money, amount got debited but money not reflecting in Bank ?

Please be informed that the processing is done through NEFT and it generally takes 4 or 5 working hours. Any bank transfers done post 5 pm on working days or non-working days (2nd and 4th Saturdays and Sundays) and Holidays are processed on the next working day.

How much amount / money can I transfer to my Bank at a time?

You can transfer a maximum of Rs 10,000 per day and Rs. 25,000 per beneficiary per month. This is applicable for Full KYC customers.

How can cancel the transaction as I have entered incorrect details ?

We would like to inform you that once the transfer takes place to any account number it cannot be cancelled. If the account number which you have entered does not exist then the amount will reversed back to you within 7 to 10 working days.
Note : If the wrong account no entered by you exist the aount wouldn't be refunded.

What are the Bank transfer charges ?

Minimum charge is Rs 10 and maximum charge is 2.75 % (whichever is higher)

Can I add the same beneficiary details after deleting it ?

Please be informed that after deleting any Beneficiary, the same beneficiary can be added only after 30 days or else you can even add different beneficiary.

How many Beneficiary can I add under Beneficiary ?

Maximum 3 beneficiaries can be added.

Mobile Recharge/Bill Payments

Why the Recharge/Bill payment status is reflecting as “In Process/Queued/pending” but amount has been debited?

This means your payment for recharge or bill payment was successfully submitted by dhani Pay. However, your mobile network operator is yet to confirm successful processing of this payment.
Once we receive updates for order status we shall also send you final status via email and SMS.

Why Recharge/Bill payment transaction got failed and amount was debited?

Please be informed, if the transaction is not completed the amount will be refunded to you within 7 to 10 working days.

While completing my transaction I am facing an error ?

Please share your query along with your screenshot on support@dhani.com .

Why Recharge/ bill payment is reflecting as successful but I am unable to use the services ?

Kindly wait for 24 to 48 working hours for final status.

What is the minimum and maximum amount for a recharge / Bill payment?

You can do a recharge of minimum amount of Rs 10 while the maximum amount is Rs. 10,000 monthly for full KYC customers and Rs. 5,000 monthly for min KYC customers.
You can do a Bill payment of minimum amount of Rs 10 while the maximum amount is Rs. 50,000 monthly for full KYC customers and Rs. 5,000 monthly for min KYC customers."

Is there any restriction to the number of transactions for Recharge / Bill payment in a day?

As of now, a maximum of 5 successful transactions are allowed per day. This is inclusive of Prepaid/Post recharges and DTH & Data card recharges, Gas, Electricity, Landline & Broadband bill payments.

How many times can I Recharge the same mobile number in a month?

You can do multiple recharges/bill payments for the same mobile number via dhani Pay. However, please wait for a minimum of 20 minutes before you repeat a recharge/bill payment for the same number.

How do I do a Prepaid mobile recharge/Postpaid bill payment?

Login to your Dhani App.
Visit the ‘Services’ page.
Click on Mobile Recharge
For Prepaid recharge, simply enter your prepaid mobile number, select the operator and select the recharge plan and authorize the payment.
For Postpaid bill payment, simply enter your postpaid mobile number, select the operator, enter the amount and authorize the payment.

How will I get to know whether my recharge transaction has been successful?

Once your mobile recharge transaction is processed successfully, the message will appear on your Dhani Pay Mobile App screen. You will also receive a confirmation by way of an SMS from Dhani Pay. This will be followed by an SMS from your mobile network operator, which might take a few minutes.

Can I use the Dhani Pay web login to perform prepaid recharge and postpaid bill payment?

No. Currently, this feature is only available on our App

I have changed my mobile operator, but retained by mobile number. Will my operator id be auto-populated?

There is a possibility that information regarding your changed operator has not been updated. In such cases, please select the correct operator and proceed.

Which landline bills can I pay through Dhani Pay?

Please click on "Services" tab and visit 'Recharge & Bill Payment' section on our Dhani Pay Mobile App for the updated list of billers.

What are the Gas bills that I can pay through Dhani Pay?

Please click on "Services" tab and visit 'Recharge & Bill Payment' section on our Dhani Pay Mobile App for the updated list of billers.

How do I recharge or pay bills?

- Login to Dhani App
- Click on 'Services' tab
- Go to 'recharge & Bill section'
- Select the option for bill payment or recharge
- Select the operator/biller
- And follow the steps shown in the app.

What is the max limit to earn cashback for Recharge, Billpay & Card Transactions, in a month ?

You can earn a maximum of Rs.1,500/- Dhani Cash as cashback in a month using Dhani Bill Payment & Recharge.

How much cashback will I get for making payment towards Mobile Recharge/Bill Payment ?

You will get 2% as dhani cashback for making payment towards Mobile Recharge/Bill Payment.

Contact Updation

Why should I share my Email id ?

If your email id is registered with us, it can be used to receive general wallet statement

How to change address in dhani Pay ?

Address change can happen only if you have done Minimum KYC for your Dhani Pay wallet by following the below steps:
> Log in Dhani Application
> Select ‘Services’
>Click on "Setting" option
> Click on "Profile" Icon
> Click on "Address" and enter the new address

How to change email id in dhani Pay ?

You can update your Email ID for your dhani Pay wallet by following the below steps:
> Log in Dhani Application
> Select ‘Services’
>Click on "Setting" option
> Cick on "Profile" Icon
> Click on "Email ID", and enter the new Email ID and Click on "Update Now"

How to change name in dhani Pay ?

You can edit your name only if you have done minimum KYC for your dhani Pay wallet by following the below steps:
> Log in Dhani Application
> Select ‘Services’
>Click on "Setting" option
> Click on "Profile" Icon
> Click on "Name" and enter the Name as required

General Queries

What is dhani Wallet ?

Dhani Wallet is a prepaid account that offers you a unique way of making payments in the online as well as offline world using dhani Wallet and dhani Pay Card. You can do transaction using dhani pay card on Ecom website and POS machines.

What are the benefits of dhani Wallet ?

-Dhani Wallet offers you a unique combination of a Mobile Prepaid Account and a Rupay Card that offers you a range of exclusive privileges and shopping rewards.
-You can now pay for your mobile recharges and bill payments
- You can earn dhani Cash through our loyalty program on immediate basis. Save more cash by availing interesting offers and discounts as you shop cash free.

Where can I use the amount available in dhani Wallet ?

Wallet amount can be utilized for all the below options :
> Mobile Recharges & Bill Payments.
> Transfer Amount to Bank Account.
> Transact Online and Offline using dhanipay RuPay Card.

Can I change my mobile Number ?

Unfortunately, you cannot change your mobile number once you have registered for security of your account.

Can I use same account in another Phone device ?

Sure. You can use the same account on another device, with same mobile number.

How do I reactive my inactivate dhani Pay wallet ?

Your dhani Pay wallet can be inactived if you have not used your wallet within the last 12 months or due to any other reason as per company policy. To reactivate the dhani wallet please visit the dhani app ad o through the KYC process.

How can I check my wallet Balance ?

You can view your dhani Wallet Balance by following the below steps:
- Login to dhani App
- Select " Services"
- Click on "Balance & History"
- You'll be able to view your Wallet balance

How can I view my all Transaction statement ?

Yes, you can view your dhani Pay Wallet statement by following the below steps:
- Login in dhani App
- Go to ""Services"" section
- Click on "Balance & History" you can download or view all your dhani Wallet transactions.
- Tap to load more feeds, to view Transaction History."

What is the process for Wallet Upgrade ?

All you have to do is opt for Full KYC by clicking on "Prepaid Card" in Service page

What is KYC or Full KYC ?

KYC is nothing but getting to Know your Customer, it refers to the norms, rules and laws issued by RBI under which dhani Pay needs to verify your Personal Identification Details before providing you with services available on dhani App. KYC Documents are required to use dhani Pay Wallet more efficiently.

Is Full KYC mandatory for users ?

Full KYC is not mandatory, however you can enjoy more dhani Wallet benefits by upgrading your Wallet KYC to Full KYC. You can upgrade to Full KYC by availing dhani Products.

What are the benefits of Full KYC ?

Following are the benefits of Full KYC :
• Get the dhani Pay RuPay Card which offers a range of exclusive privileges and shopping rewards.
• You can maintain prepaid account balance of maximum Rs. 2,00,000.
• Add more funds at one go.
• You can transfer funds to other Bank Accounts & dhani Wallet users.
• Daily transactions limit increases which helps to pay all your monthly bills with ease.

How can I know my KYC status ?

"Please follow the below steps to view your KYC status:
> Log in Dhani Application
> Select ‘Services’
> Click on "Setting" option
You can view your KYC status."

What all facility can I use if my KYC category is Min KYC (Minimum KYC) ?

Below are the facility which a Min KYC customer can enjoy :
> Maintain up to ₹10,000 balance in the Prepaid Account, in a month.
> Load funds Upto 5,000 in a day
> Spend upto ₹10,000 in a month.
> Can utilize the funds for bill payments and recharge.
>Shop on dhani store upto Rs 10000 in a month.

What do I do in case I want to close my Wallet ?

Though we would want you to continue using the wallet, please write to us at support@dhani.com to close the account.

How much cash back one can earn on dhani app registration ?

We are offering Rs 50 as cashback reward on first time registration. Further, we are offering Rs 150 as cashback on wallet KYC + UPI registration

Set a New Password

What should I do if I am not receiving OTP after clicking on "Login via OTP" ?

You just have to follow easy steps as mentioned below:
• Login to dhani App
• Click on "Login Via OTP".
Before requesting for new OTP to reset your dhani App password, check the following:
• You have a good Sim network.
• You have a good Internet connectivity.
• Check you have entered correct Mobile number.

What should I do if I am unable to Reset Password ?

Just follow the below steps to reset your dhani App password by following the below steps:
-Click on "Forget Password"
-Enter the 6 Digit OTP received to verify
-Reset the password
Before requesting a new OTP to reset your dhani Pay password, check the following:
- You have a good Sim Network.
- You have a good internet Connectivity.
- Check you have entered correct Mobile Number.

How can I change Password ?

You can Change your dhani App password by following the below steps:
-Click on "Forget Password"
-Enter the 6 Digit OTP received to verify
-Reset the password
Before requesting a new OTP to reset your dhani Pay password, check the following:
- You have a good Sim Network.
- You have a good internet Connectivity.
- Check you have entered correct Mobile Number

What if my account is locked after entering the incorrect password ?

In that case, you can Login after 24 hours by entering the correct password.

How can I get a new password if i have forgotten my old password ?

Incase you have forgotten your password, you can change by following the below steps:
-Click on "Forget Password"
-Enter the 6 Digit OTP Received
-Set your new 6 Digit (alphanumeric) Password.

Wallet Block/Unblock

How can I block my account ?

In case of any Fraudulent/Unauthorized transaction,you can block your dhani Pay Wallet/RuPay Card.
-To block your dhani Pay Wallet write us on support@dhani.com
-To block your dhani Pay RuPay card follow the below steps.
- Log in dhani Application
-Go to "Services"
-Select "Prepaid Card" option
-Click on "Lost Card"
-To block the card, Select "Confirm" & complete the steps on the application

What to do if my phone is stolen or Sim Card is lost ?

No need to worry, you can always login with your registered mobile number and password through your new phone

Why is my dhani Pay Wallet blocked ?

Dhani Pay Wallet could be blocked for various reasons however we request you to provide the below mentioned details and KYC documents on support@dhani.com

How can I block my wallet account if the transaction is not done by me ?

Click on the link viz shared in the SMS received for a transaction occur.

UPI Related

What is UPI ?

UPI stands for Unified Payments Interphase. The easiest way to think of UPI is that it is a payment method to transfer money between 2 parties. It is similar to NEFT or RTGS transfers in that way.

What is a VPA ?

A Virtual Payment Address (VPA) is a unique identifier which you can use to send and receive money on UPI. Think of it as an email ID which you can use to transfer money.

I have not linked my bank account to my Dhani account. How will UPI work for me in this case ?

Dhani UPI at this point of time will be connected to the users Dhani wallet only. You can use the funds available in your Dhani wallet to pay and receive money to other UPI IDs (however you can use your bank account to load money in Dhani Wallet)

How can I get my Dhani UPI ID? Will there be any charges associated ?

Your Dhani UPI ID is created for you at no extra charge. The UPI ID is created using your registered mobile number along with the suffix ‘@dhani’ . It will be in the format mobilenumber@dhani. (For example - 7********5@dhani).

Can I only send money to other Dhani app users using Dhani UPI ?

You will be able to send money to any UPI ID regardless of whether the person receiving the money is a Dhani app user or not. You can also use your Dhani UPI to pay at all merchant stores (this includes petrol pumps, online stores, supermarkets, etc.) which accept payment via UPI.

I have an existing UPI ID which is linked to my bank account. Can I use that on the Dhani app?

Currently, you will only be able to use the Dhani UPI ID which is linked to your Dhani wallet in order to do your UPI transactions. In the future, we aim to integrate our services with other banks in which case you will be able to link your existing UPI IDs to the Dhani app.

I have paid using Scan & Pay but the transaction has failed and my wallet was debited. What should I do?

The transaction has failed due to a system error. Any funds that have been deducted from your Dhani wallet, the amount will be returned in 2-3 business days. Your transaction ID is your reference ID, which you can use to reach out to Customer care if the funds have not been reflected in your wallet.

I have paid using Scan & Pay with a merchant. The transaction is shown as successful on the Dhani app and my wallet was debited but the merchant did not receive the funds. What should I do ?

The transaction has failed due to a system error. The money is in the pool account of the collecting bank (merchant bank). Your transaction ID is your reference ID, which you can take up with the merchant bank. Any funds that have been deducted from your Dhani wallet, should be returned in a few working days based on merchant policy and the collecting bank policy.

I have performed a transaction but the status is showing pending. What should I do ?

The transaction is pending due to a system error. If funds have not been deducted from your account, please close the pending status screen and try again. If any funds have been deducted from your Dhani wallet, the amount will be returned in 2-3 business days. Your transaction ID is your reference ID, which you can use to reach out to Customer care if the funds have not been reflected in your wallet after 3 business days.

I have been attempting to scan a QR code but the app keeps showing that it is unable to detect it. What should I do?

The QR code should be a valid QR. If the app is unable to scan the QR code, please try to see if the the QR code is damaged, incomplete or dirty. If the problem persists, please try to attempt completing the transaction using the Merchant VPA through the send money section of Dhani UPi. If the problem persists, please contact Dhani Customer Support.

I have sent the wrong amount to the receiver. Can I reverse the transaction ?

Sending money via UPI is an instant transfer, hence we request you to check all details before transacting. A successful transaction cannot be reversed, unless the beneficiary refunds at his own end. You can try and raise a collect request (for VPA based transactions) and hope that the user will return the same. There is no guarantee that your amount will be reversed.

I have paid using send money via UPI and but the transaction has failed and my wallet was debited. What should I do?

The transaction has failed due to a system error. Any funds that have been deducted from your Dhani wallet, the amount will be returned in 2-3 business days. Your transaction ID is your reference ID, which you can use to reach out to Customer care if the funds have been reflected in your wallet after 3 business days.

I have paid using Send Money to a merchant. The transaction is shown as successful on the Dhani app and my wallet was debited but the merchant did not receive the funds. What should I do ?

The transaction has failed due to a system error. The money is in the pool account of the collecting bank (merchant bank). Your transaction ID is your reference ID, which you can take up with the merchant bank. Any funds that have been deducted from your Dhani wallet, should be returned in a few working days based on merchant policy and the collecting bank policy.

I have sent the wrong amount to the receiver. Can I reverse the transaction ?

Sending money via UPI is an instant transfer, hence we request you to check all details before transacting. A successful transaction cannot be reversed, unless the beneficiary refunds at his own end. You can try and raise a collect request (for VPA based transactions) and hope that the user will return the same. There is no guarantee that your amount will be reversed.

I am unable to verify a UPI ID and thus cannot proceed to send money. What should I do ?

Verification of a UPI ID happens through NPCI. If the UPI ID is not verified, please recheck the UPI ID entered. If the error persists, it may be because the UPI ID does not exist, has been deregistered by NPCI or the receiver has blocked your VPA from their end.

Where can I find my Dhani UPI ID to initiate a payment through Dhani UPI on a merchant site ?

To view your UPI ID, you can go to the UPI tile on the home page of the Dhani app. The default UPI ID created for all customers will follow the same format. The UPI ID is created using your registered mobile number along with the suffix ‘@dhani’ . It will be in the format mobilenumber@dhani. (For example - 7********5@dhani).

While sending money, the name of the receiver and the receiver UPI ID are different. Are they the same person?

When you enter a VPA and click on verify, the account holder’s name (as mentioned in the bank’s system) will be displayed. This is for you to cross check if the sender and the bank account to which you want to send money are the same. Incase they appear different, please re-confirm the VPA of the receiver. Money once sent cannot be reversed.

What is the request money on dhani app?

On the Dhani app, you can initiate a collect transaction for asking money from someone using their UPI ID or their registered Dhani mobile number. You have to enter the amount and UPI ID. The user who will receive the request can pay or decline the collect request by authenticating it.

Is there a time frame in which requests for money via dhani app have to be accepted ?

Pending transactions can be viewed in the request section. The requests will be valid till for 15 minutes. If the request is not accepted within that set time, the request expires.

How do I check collect requests made to me ?

You can view pending collect requests in two ways.
1. When a collect request is received, it will be visible in the notifications of your Dhani app.
2. You can view the collect request in the Authorize Collect section of the UPI page on your Dhani app. You can choose to accept or decline the collect request.

I have authorized a collect request by mistake and money has been deducted from my wallet. Can I reverse the transaction ?

When you authorize a collect request and send money via UPI , it is an instant transfer, hence we request you to check all details before transacting. A successful transaction cannot be reversed, unless the beneficiary refunds at his own end. You can try and raise a collect request (for VPA based transactions) and hope that the user will return the same. There is no guarantee that your amount will be reversed.

I have been receiving multiple/spam collect request on my Dhani app. What can I do ?

You can choose to block that UPI ID either through the pop-up when you choose to decline a collect request or by entering the UPI ID in the “Block/Unblock” section in your Dhani profile.

What happens when I block a UPI ID ?

Once a UPI ID is blocked, you will not be able to send money, send a request, receive a collect request, or receive money from that blocked UPI ID.

I have blocked a UPI ID. How do I unblock it ?

You can go to the “Block/Unblock” section in your Dhani profile and click on the “Unblock” button to unblock that UPI ID.

What is the maximum amount you can Pay- to- Merchant (P2M) using UPI on Dhani App ?

If you are paying merchant using “Scan QR” or “To UPI ID”:
· You can pay maximum Rs.25,000 in a single P2M transaction (“Scan QR” and “To UPI ID”) through UPI on Dhani App.
· You can do maximum 50 such payments in a day, 4000 in a month and 50000 in a year.
· You can do total such transaction of maximum of Rs. 50,000 in a day, 6,00,000 in a month and 12,00,000 in a year
If you are paying merchant via “Collect Request” generated by merchant:
· You can pay maximum Rs.10,000 in a single P2M transaction (“Authorize collect request”) through UPI on Dhani App.
· You can do maximum 5 such payments in a day, 200 in a month and 10000 in a year.
· You can do total such transaction of maximum of Rs. 20,000 in a day, 5,00,000 in a month and 6,00,000 in a year

What is the maximum amount you can transfer in Person-to-Person (P2P)using UPI on Dhani App ?

· You can send maximum Rs.10,000 in a single P2P transaction (“Scan QR” and “To UPI ID”) through UPI on Dhani App.
· You can do maximum 10 such transactions in a day, 400 in a month and 5000 in a year.
· You can do total such transaction of maximum of Rs. 50,000 in a day, 6,00,000 in a month and 12,00,000 in a year

What is the maximum amount you can request in Person-to-Person (P2P) using UPI on Dhani App ?

· You can request maximum Rs.5,000 in a single P2P transaction (“Request Money - UPI”) through UPI on Dhani App.
· You can do maximum 5 such requests in a day, 200 in a month and 1000 in a year.
· You can do total request of maximum of Rs. 20,000 in a day, 5,00,000 in a month and 6,00,000 in a year

Can I disable or enable my Dhani UPI ID

Yes, You can choose to Disable or enable your UPI ID in the “Enable/Disable” section in your Dhani profile.

What rewards will I get on using Dhani UPI ?

You can earn Dhani Cash as cashback on using Dhani UPI for making payments using Scan & Pay feature at merchant outlets.

How much cashback will I get for making payment using Scan & Pay at merchant outlets ?

You will get 2% cashback or Rs. 2 whichever is higher as Dhani Cash for making payment using Scan & Pay at merchant outlets. However, there is a limit on min transaction amount offering dhanicash for UPI payments which is Rs 10.

What is the maximum amount of cashback I can earn in a month, for P2M transactions ?

You can earn a maximum of Rs.1000/- Dhani Cash as cashback in a month using Dhani UPI. However, there is a limit of max 10 transactions offering dhanicash for UPI payments.

What will be the validity of the Dhani Cash earned by doing transactions through Dhani UPI ?

Dhani Cash earned using Dhani UPI will be valid for 45 days from the date of issuance.
Dhani Cash earned prior to 1 Aug 2023 will be valid for 1 year or till 31st March 2024 whichever is earlier.

Where can I use the Dhani Cash earned using Dhani UPI ?

All Customers (Dhaniplus and Non-Dhaniplus) having Dhani Cash can use it for Shopping specific Products on Dhani and enjoy extra Saving.
Note :
1. Limit of Dhani Cash which can be used on orders is updated in Dhani App.
2. Dhani Cash can be utilized on eligible products only.

Will I earn any cashback on transferring funds to any other UPI Id (P2P transaction) ?

No, Dhani Cash can be earned on using Dhani UPI for Scan & Pay Transaction at merchant outlets only.

What will be the minimum amount eligible for any UPI transaction ?

Minimum Transaction value to be eligible for Dhanicash by UPI payments should be Rs. 10

Credit on UPI Related

What is Credit on UPI ?

This feature enables UPI registered users to add and save credit cards to load money in the wallet and use it for merchant QR payments seamlessly.

How can i register for Credit on UPI ?

Any UPI registered user can use UPI with credit card feature on Dhani App.

What are the charges on this service (UPI on Credit) ?

You will be charged 1.5% convenience fee for all transactions at merchant payments below Rs. 2000. All other transactions will be charged 2% convenience fee

What is the maximum loading limit for a day ?

You can do maximum Rs. 25000 in one transaction and Rs.50000 in a day.

What is the minimum and maximum number of transactions limit for a day ?

You can do maximum 5 transactions using UPI with credit card in a day.

Will my wallet amount be consumed while using Credit on UPI ?

Complete Payment amount will loaded from credit card irrespective of the existing wallet balance. For e.g. If the current wallet balance is Rs. 450 and the merchant payment to be done is Rs. 1250 then Rs. 1250 will be loaded from credit card for merchant payments and the existing wallet balance will be left untouched.

What is the max transaction limit for first time registered users on dhani UPI/VPA ?

For newly registered user, In the first 24 hours of VPA registration, only 1 transaction of a maximum of Rs. 1000 will be allowed.