
In recent times, the traditional method of UPI payments involved manual input on mobile devices. However, technological advancements and increasing user demands have spurred a significant evolution in the Unified Payments Interface (UPI) landscape. ‘Hello UPI’ is a facility launched by the National Payment Corporation of India (NPCI) which enables users to conclude any transaction through voice assistance only.
Features of ‘Hello UPI’
‘Hello UPI’ introduced by the National Payment Corporation of India (NPCI) is a groundbreaking feature that allows users to perform transactions using voice commands, leveraging AI-powered devices such as smartphones. ‘Hello UPI’ is a conversational feature that enables users to conduct the payment process by speaking to an AI-powered device, like a smartphone.

Functionality of ‘Hello UPI’
Users can now initiate and complete payment transactions using voice commands, eliminating the need for manual input. This feature supports transactions through apps, telecom calls, and IoT devices initially in Hindi and English, with plans to support regional languages.
Workflow of ‘Hello UPI’
The transaction process involves automatic speech recognition, language translation, intent verification, and voice feedback to ensure seamless completion.

Enhanced Features of ‘Hello UPI’
In addition to existing functionalities, ‘Hello UPI’ extends its capabilities to telecom calls, UPI apps, and IoT devices, enabled through NPCI’s Server Side Common Library (SSCL).
Accessibility and Security
‘Hello UPI’ is accessible on both smartphones and feature phones, maintaining two-factor authentication for enhanced security.
Step-by-Step Guide to Using ‘Hello UPI’
Using ‘Hello UPI’ on UPI Apps:
- Open any UPI app supporting ‘Hello UPI’.
- Tap the voice icon or say ‘Hello UPI’.
- Verbally command actions like balance checking or fund transfers.
- Confirm transactions by speaking your UPI pin.
- Receive a voice confirmation upon transaction completion.
Using ‘Hello UPI’ on Telecom Calls:
- Dial the designated ‘Hello UPI’ number provided by your bank or UPI provider.
- Follow Interactive Voice Response (IVR) instructions for verification.
- Issue voice commands for payments or account inquiries.
- Confirm transactions by voice inputting your UPI pin.
- Receive confirmation through the voice-enabled system.
Using ‘Hello UPI’ on IoT Devices:
- Activate ‘Hello UPI’ on your IoT device.
- Authenticate yourself as prompted.
- Command the device to initiate payments.
- Confirm transactions by voice-entering your UPI pin.
- Receive a voice confirmation post-transaction.
Conclusion
‘Hello UPI’ represents NPCI’s commitment to digital inclusivity, enhancing accessibility through advanced technology and streamlining UPI transactions by reducing reliance on manual processes.