Make payments through the Kaizala app

Using the Kaizala mobile app, you can now quickly send or receive money. With the Bharat Interface for Money Unified Payment Interface (BHIM UPI), you no longer need the recipient's account information or IFS code. BHIM UPI allows you to make direct bank-to-bank money transactions, simply by using a mobile number or a BHIM UPI ID (also known as Virtual Payment Address or VPA). Your BHIM UPI ID is your unique identifier on the BHIM UPI system. For example, your BHIM UPI ID on Kaizala will look like this: yourusername@contosobank. You can then share your BHIM UPI ID with anyone, and they can quickly transfer money to you. With a BHIM UPI ID, you don't need to share your phone number, bank account number, or IFS code. You can also share your BHIM UPI ID with any merchant sites you shop on, and they will send a "make payment" request to you.

Important

You can only send and receive money from other people in India.

Setup your Kaizala account

Before you can set up payments on Kaizala, make sure you've downloaded and installed the Kaizala mobile app on your mobile device.

  1. Go to the Me tab. Select the Payment tab to start the payments setup.

  2. Select Continue in the app permissions dialog box and then tap  Allow.

  3. Choose Get Started and then select Accept on the Notice page.

  4. On the Verify your device page, make sure your info is correct and then select Verify.

  5. After successful verification, go to the Create BHIM UPI ID page. Enter any username of your choice and select Next.

  6. You can now select your bank and account information. Don't see your bank account listed? Make sure you've registered your mobile number with your bank. Check with your bank for details on how to do this.

  7. If you haven't already created a PIN, you can create one now and confirm it with your bank.

Send money to someone else

Follow these steps to make a payment within a Kaizala chat.

  1. Go to a chat on Kaizala or create a new chat. You can create a 1:1 chat or a group chat.

  2. Go the palette and select the Payment action.

  3. Select Make Payment.

  4. Select the recipient of the transaction.

  5. Enter the amount and an optional comment on the transaction.

  6. Tap to select your bank account.

  7. Tap Pay Now.

  8. Enter your PIN.

  9. You will see a message posted on the same chat where you initiated the payment.

You can also make a payment to someone using their BHIM UPI ID, bank account number, or IFS code or by simply scanning their payment Quick Response (QR) code.

  • Go to Me and then go to Payment. Finally select Make Payment.

  • Select the Kaizala contact you want to pay to or tap Other Payment Methods. Select the option to pay to a BHIM UPI ID, a bank account number or a QR code.

  • Enter the amount and an optional comment on the transaction.

  • Tap to select your bank account

  • Select Pay Now and enter your PIN. You should receive a text message from your bank confirming the transaction.

Request money from someone else

Follow these steps to request payment within a Kaizala chat:

  1. Go to a chat on Kaizala or create a new chat. You can create a 1:1 chat or a group chat.

  2. Go the palette and select the Payment action.

  3. Select Request Payment.

  4. Select the recipient of the request.

  5. Enter the amount and an optional comment on the transaction.

  6. Tap Request Now.

  7. You'll see a message posted on the same chat where you initiated the request.

You can also request a payment from someone using their BHIM UPI ID.

  • Go to Me and then go to Payment. Then select Request Payment.

  • Select the option to send a request to a BHIM UPI ID or to a Kaizala contact.

  • Enter the amount and an optional comment on the transaction.

  • Tap Request Now and initiate a request.

  • When the recipient of the request makes the payment or declines, you'll get a notification on Kaizala. You'll receive the money in your primary bank account.

Add a bank account

You can add multiple bank accounts to your BHIM UPI account on Kaizala.

  • From the Kaizala app, go to the Me tab. Then select the Payment tab.

  • Select your BHIM UPI ID to access the Manage Accounts page.

  • Select Add New Account, search for your bank, and select it. You'll see a list of accounts that are registered with your bank and your phone number. Select an account to proceed.

  • Create a BHIM UPI PIN if don't already have one. If you have an existing BHIM UPI PIN but don't remember it, select I don't remember my PIN to reset your PIN info. You'll need your debit card information to setup a new BHIM UPI PIN.

    Note

    Don't see your account? Make sure your bank is on the BHIM UPI system. Check with your bank for more details. Don't see your bank account listed? Make sure you have registered your mobile number with your bank. Check with your bank for more details.

Set a primary bank account

You can set any bank account as your primary account to send and receive money on Kaizala. To set an account as primary:

  • Click the ellipses (...) on the top right of the account and select the option Set as primary bank account.

Remove a bank account

Follow these steps to remove a bank account from your UPI account on Kaizala.

  • Click the ellipses (...) on the top right of the account and select the option Unlink bank account.

    Note

    You need to have at least one bank account associated with your BHIM UPI ID.

Reset your BHIM UPI PIN

  • From the Kaizala app, go to the Me tab. Then select the Payment tab. Select your BHIM UPI ID to access the Manage Accounts page.

  • You'll see a list of bank accounts that you've configured.

  • Click or tap Forgot PIN for the account you want to reset and follow the steps. You'll need access to your debit card information to setup a new BHIM UPI PIN.

Change your BHIM UPI PIN

  • From the Kaizala app, go to the Me tab, and then the Payment tab. Finally, select your BHIM UPI ID to access the Manage Accounts page.

  • You'll see a list of bank accounts that you've configured.

  • Click or tap Change PIN for the account you want to change and follow the steps. You'll need to enter your existing BHIM UPI PIN before you can change it.

Respond to a request for payment

You can access the payment request from the notification you receive or from the All transactions page on Kaizala. You can respond to the request by accepting and making the payment, or by declining it. Make sure you know the person or merchant requesting the payment.

View your balance

  • From the Kaizala app, go to the Me tab, and then the Payment tab.

  • Click or tap your BHIM UPI ID to access the Manage Accounts page.

  • You'll see a list of bank accounts that you've configured. Select Request Balance and enter your BHIM UPI PIN to see your account balance.

View transaction history

  • From the Kaizala app, go to the Me tab, and then the Payment tab.

  • You'll see a list of all your transactions on this page. Select a transaction to view more details about it.

Report an issue with a transaction

You can report an issue with a transaction, e.g. if you think money has left your account, but hasn't reached the recipient. Go to the problematic transaction, tap Issue with this transaction? and then select OK to report the issue.

Troubleshooting payment issues

Read this section to help troubleshoot issues that you're having in Kaizala payments.

Limits on a transaction

The BHIM UPI system and banks place limits on the number of transactions you can make, and the total amount that you can transfer, on a daily or monthly basis. You may reach a limit if:

  • You have sent ₹1,00,000 in the last 24 hours across all BHIM UPI apps using the same bank account.

  • You've made more than 20 transactions across all BHIM UPI apps in the last 24 hours using the same bank account.

Your bank may have limits on how much you can send or receive using BHIM UPI. Contact your bank for more information.

Can't verify your phone number

If you're having trouble completing the SMS text verification for your account, try the following:

  • Make sure you're using a SIM which is associated with the same phone number as you are using for Kaizala.

  • Make sure you're able to send SMS text messages from your phone.

  • Make sure you are using the phone's default messaging app for SMS.

  • Make sure you have internet access on your phone.

If these steps don't work, contact us at kaizalapayments@microsoft.com with your issue.

Unable to send or receive money

If you're unable to send or receive money, check the following:

  • Make sure that you have a working internet connection.

  • Make sure that you're using the correct BHIM UPI PIN. If you've forgotten your BHIM UPI PIN, then change or reset it.

  • Make sure you haven't reached the limit on your transactions.

Issues with a transaction

Check the following if you're having trouble sending money:

  • You entered the wrong BHIM UPI PIN.

  • You don't have enough money in your bank account.

  • You entered the wrong bank account details for the recipient.

  • You've reached a transaction limit.

  • The recipient can't receive money because they've reached their transaction limit.

  • Your bank is having technical issues.

  • If the transaction status is Failed, and your account was debited, but the recipient didn't receive the funds; the money will be refunded to you. It may take up to 5 days for the refund process to complete.

  • If the transaction status is Pending, and your account has been debited, but the recipient hasn't received the money; you may need to wait for the bank to complete the transaction. Ask the recipient to check their online banking statement to see if they have received the money. Check the real-time status of the transaction by tapping the refresh icon on the top right of the transaction details page. Wait for the status to get updated to avoid making the payment twice.