Help Article | UPI Participants' roles and responsibilities

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Roles and responsibilities of NPCI
  1. NPCI owns and operates the Unified Payments Interface (UPI) platform.
  2. NPCI prescribes rules, regulations, guidelines, and the respective roles, responsibilities and liabilities of the participants, with respect to UPI. This also includes transaction processing and settlement, dispute management and clearing cut-offs for settlement.
  3. NPCI approves the participation of Issuer Banks, PSP Banks, Third Party Application Providers (TPAP) and Prepaid Payment Instrument issuers (PPIs) in UPI.
  4. NPCI provides a safe, secure and efficient UPI system and network.
  5. NPCI provides online transaction routing, processing and settlement services to members participating in UPI.
  6. NPCI can, either directly or through a third party, conduct audit on UPI participants and call for data, information and records, in relation to their participation in UPI.
  7. NPCI provides the banks participating in UPI access to system where they can download reports, raise chargebacks, update the status of UPI transactions etc.


Roles and responsibilities of PSP Bank
  1. PSP Bank is a member of UPI and connects to the UPI platform for availing UPI payment facility and providing the same to the TPAP which in turn enables the end-user customers / merchants to make and accept UPI payments.
  2. PSP Bank, either through its own app or TPAP’s app, on-boards and registers the end-user customers on UPI and links their bank accounts to their respective UPI ID.
  3. PSP Bank is responsible for authentication of the end-user customer at the time of registration of such customer, either through its own app or TPAP’s app.
  4. PSP Bank engages and on-boards the TPAPs to make the TPAP’s UPI app available to the end-user customers.
  5. PSP Bank has to ensure that TPAP and its systems are adequately secure to function on UPI platform.
  6. PSP Bank is responsible to ensure that UPI app and systems of TPAP are audited to safeguard security and integrity of the data and information of the end-user customer including UPI transaction data as well as UPI app security.
  7. PSP Bank has to store all the payments data including UPI Transaction Data collected for the purpose of facilitating UPI transactions, only in India.
  8. PSP Bank is responsible to give all UPI customers an option to choose any bank account from the list of Banks available on UPI platform for linking with the customer’s UPI ID.
  9. PSP Bank is responsible to put in place a grievance redressal mechanism for resolving complaints and disputes raised by the end-user customer.
Roles and responsibilities of TPAP
  1. TPAP is a service provider and participates in UPI through PSP Bank.
  2. TPAP is responsible to comply with all the requirements prescribed by PSP Bank and NPCI in relation to TPAP’s participation in UPI.
  3. TPAP is responsible to ensure that its systems are adequately secure to function on the UPI platform.
  4. TPAP is responsible to comply with all applicable laws, rules, regulations and guidelines etc. prescribed by any statutory or regulatory authority in relation to UPI and TPAP’s participation on the UPI platform including all circulars and guidelines issued by NPCI in this regard.
  5. TPAP has to store all the payments data including UPI Transaction Data collected by TPAP for the purpose of facilitating UPI transactions, only in India.
  6. TPAP is responsible to facilitate RBI, NPCI and other agencies nominated by RBI/NPCI, to access the data, information, systems of TPAP related to UPI and carry out audits of TPAP, as and when required by RBI and NPCI.
  7. TPAP shall facilitate the end-user customer with an option to raise grievance through the TPAP’s grievance redressal facility made available through TPAP’s UPI app or website and such other channels as may be deemed appropriate by the TPAP like email, messaging platform, IVR etc.
Customer Grievance Mechanism
You can learn more about filing a grievance with your PSP or with NPCI through the links below:
If you'd like to contact us about payments on WhatsApp, call 1800-212-8552 between the hours of 7:00AM to 10:00PM IST, Monday through Sunday.

 


WhatsApp Features

TEXTS

Simple, Reliable Messaging

Message your friends and family for free*. WhatsApp uses your phone's Internet connection to send messages so you can avoid SMS fees



* Data charges may apply. Contact your provider for details.



GROUP CHAT

Groups to keep in touch

Keep in touch with the groups of people that matter the most, like your family or coworkers. With group chats, you can share messages, photos, and videos with up to 256 people at once. You can also name your group, mute or customize notifications, and more.


 


WHATSAPP ON WEB AND DESKTOP

Keep the Conversation Going

With WhatsApp on the web and desktop, you can seamlessly sync all of your chats to your computer so that you can chat on whatever device is most convenient for you. Download the desktop app or visit web.whatsapp.com to get started

 



WHATSAPP VOICE AND VIDEO CALLS

Speak Freely

With voice calls, you can talk to your friends and family for free*, even if they're in another country. And with free* video calls, you can have face-to-face conversations for when voice or text just isn't enough. WhatsApp voice and video calls use your phone's Internet connection, instead of your cell plan's voice minutes, so you don't have to worry about expensive calling charges.

* Data charges may apply. Contact your provider for details.

 



END-TO-END ENCRYPTION

Security by Default

Some of your most personal moments are shared on WhatsApp, which is why we built end-to-end encryption into the latest versions of our app. When end-to-end encrypted, your messages and calls are secured so only you and the person you're communicating with can read or listen to them, and nobody in between, not even WhatsApp.



PHOTOS AND VIDEOS

Share Moments that Matter

Send photos and videos on WhatsApp instantly. You can even capture the moments that matter to you most with a built-in camera. With WhatsApp, photos and videos send quickly even if you're on a slow connection.


 



DOCUMENTS

Document Sharing Made Easy

Send PDFs, documents, spreadsheets, slideshows and more, without the hassle of email or file sharing apps. You can send documents up to 100 MB, so it's easy to get what you need over to who you want.




VOICE MESSAGES

Say What's On Your Mind

Sometimes, your voice says it all. With just one tap you can record a Voice Message, perfect for a quick hello or a longer story.


 

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1. What are WhatsApp Group Links?

WhatsApp Group Links are unique invitation links that allow you to join specific WhatsApp groups. These links act as an entry point, granting you access to conversations and interactions happening within those groups.

Here's a breakdown of the concept:

1. Groups in WhatsApp:

  • WhatsApp allows creating groups where multiple people can chat, share messages, photos, videos, and other media.
  • These groups can be private (invite-only) or public (discoverable through search).

2. Invitation Links:

  • For private groups, admins can generate unique invitation links.
  • Anyone clicking on this link and having WhatsApp installed can join the group directly.
  • Sharing these links is a convenient way to invite specific individuals or spread the word about the group.

3. Finding Group Links:

  • Group admins might share the link directly with individuals they want to invite.
  • Some websites e.g. GroupChatOn, Group4WhatsUp and apps compile and list publicly available group links categorized by interests, topics, or regions. However, be cautious of such sources, as the legitimacy and content of these groups can vary.

Important points to remember:

  • Joining a group through a link adds you to the conversation, and your messages become visible to other members.
  • It's crucial to be mindful of the content you share and the groups you join, as some might not be appropriate or safe.
  • Exercise caution when clicking on links from untrusted sources, as they might lead to malicious groups or scams.

I hope this explanation clarifies the concept of WhatsApp Group Links. If you have any further questions, feel free to ask!

Share Group Links Public Comments

2. How to join WhatsApp Group?

There are two main ways to join a WhatsApp group:

1. Through Invite Link:

This is the most common method. If you have been invited to a group, you will receive a link from the group admin. Clicking on this link will open WhatsApp and prompt you to join the group. Here's how it works:

  • Click on the invite link. This will open WhatsApp, either on your phone or desktop app.
  • Review the group information. This includes the group name, description, and admin details.
  • Tap "Join group" to confirm you want to join.

2. By Requesting to Join:

Some groups are private and require approval from the admin before you can join. In such cases, you might need to:

  • Contact the group admin directly. This could be someone you know or someone you find through the group's social media page or website (if available).
  • Request to join the group. Explain why you're interested in joining and provide any relevant information the admin might need.
  • Wait for approval. The admin will decide whether to accept or reject your request.

Additional ways to find groups:

  • Online directories: Several websites and apps list public WhatsApp groups categorized by interests. However, be cautious when joining groups from untrusted sources, as they might be spam or contain inappropriate content.
  • Social media groups: Look for groups related to your interests on platforms like Facebook or Reddit. Sometimes, these groups might have links to their corresponding WhatsApp groups.

Important points to remember:

  • Only join groups from trusted sources. Avoid clicking on links from unknown senders or joining groups with suspicious activities.
  • Be mindful of group rules. Each group might have its own set of rules and guidelines. It's important to respect these rules to maintain a positive and respectful environment within the group.
  • Consider leaving if necessary. If you no longer find the group valuable or experience any negativity, you can always leave the group by going to the group info and tapping "Exit group."

I hope this explanation helps! Let me know if you have any other questions.

3. How to Share WhatsApp Group Links?

Sharing WhatsApp group links is a convenient way to invite others to join your group. Here's how you can do it on both Android and iOS devices:

1. Through QR Code:

  • Open the WhatsApp group chat.
  • Tap on the group name at the top.
  • Look for the option "Invite to Group via Link" or "Invite to Group with Link."
  • Choose "QR Code" from the available options.
  • This will generate a QR code for your group.
  • Anyone who scans this code with their WhatsApp camera will be able to join the group.
  • Tap "Share" to send the QR code image to others through various platforms like email, social media, or messaging apps.

2. Sharing the Link:

  • Follow steps 1 and 2 mentioned above in the QR code method.
  • Instead of choosing "QR Code," select "Share link" or "Copy link."
  • This will either share the link directly through WhatsApp with your chosen contacts or copy it to your clipboard.
  • You can then paste the copied link into any platform like email, social media posts, or messages to invite others to join.

Additional Notes:

  • Only group admins can generate and share invite links.
  • The link generated is unique to each group and can be revoked by the admin at any time. This will create a new link, rendering the old one invalid.
  • Anyone with the link can join the group, so be cautious about sharing it publicly. Consider sharing it only with trusted individuals or within controlled environments.

I hope this helps! Let me know if you have any other questions.

4. How to create a WhatsApp Group?

Creating a WhatsApp group is a straightforward process that can be done on both Android and iOS devices. Here's a step-by-step guide:

On Android:

  1. Open the WhatsApp app.
  2. Tap the "Chats" tab.
  3. Tap the "New chat" icon (represented by a pencil and paper icon).
  4. Select "New group".
  5. Search for or select the contacts you want to add to the group. You can choose up to 1024 members.
  6. Tap the green arrow icon in the bottom right corner.
  7. Enter a group subject (name). This will be the name displayed for the group in everyone's chat list.
  8. (Optional) Tap the camera icon to add a group icon. You can choose an image from your gallery, camera, or search the web.
  9. Tap the green checkmark icon to create the group.

On iOS:

  1. Open the WhatsApp app.
  2. Tap the "Chats" tab.
  3. Tap the "New chat" icon (represented by a pencil and paper icon).
  4. Select "New Group".
  5. Search for or select the contacts you want to add to the group. You can choose up to 1024 members.
  6. Tap "Next" in the top right corner.
  7. Enter a group subject (name). This will be the name displayed for the group in everyone's chat list.
  8. (Optional) Tap "Group Settings" and choose an option for who can edit group info.
  9. Tap "Create" to create the group.

Additional notes:

  • Once the group is created, you can add or remove members, change the group name and icon, and manage other group settings.
  • You can also invite people to join the group by sharing a link or QR code.

I hope this helps! Let me know if you have any other questions.

5. How to create a WhatsApp Channel?

Creating a WhatsApp channel allows you to broadcast messages to a large audience who can only view and react to your content, unlike traditional groups where members can also send messages. Here's how to create a channel on both Android and iOS devices:

On Android:

  1. Open the WhatsApp app.
  2. Tap the "Updates" tab. This might be located at the bottom right corner of your screen, depending on your device and app version.
  3. Tap the "+" icon in the top right corner.
  4. Select "New channel".
  5. Enter a channel name. This will be the name displayed for your channel.
  6. (Optional) Add a channel description. This can provide a brief overview of your channel's content and purpose.
  7. Tap "Create".

On iOS:

  1. Open the WhatsApp app.
  2. Tap the "Chats" tab.
  3. Swipe down on the chat list to reveal the "Channels" section.
  4. Tap the "+" icon in the top right corner.
  5. Select "New channel".
  6. Enter a channel name. This will be the name displayed for your channel.
  7. (Optional) Add a channel description. This can provide a brief overview of your channel's content and purpose.
  8. Tap "Create".

Additional notes:

  • Once your channel is created, you can start sharing text messages, photos, videos, documents, and link previews with your subscribers.
  • People can find your channel through search, by being invited by existing subscribers, or by scanning your channel's QR code.
  • As the channel owner, you can manage who can see your channel, control who can join as admins, and edit your channel information.

Here are some important things to keep in mind when creating a WhatsApp channel:

  • Content focus: Clearly define the purpose and target audience for your channel to attract relevant subscribers.
  • Quality content: Regularly share engaging and informative content to keep your audience interested.
  • Spam prevention: Avoid excessive or irrelevant content that might overwhelm subscribers.
  • Community guidelines: Adhere to WhatsApp's community guidelines to avoid potential channel suspension.

I hope this explanation helps you create and manage your WhatsApp channel effectively!

6. How to create a WhatsApp Broadcast?

Creating a WhatsApp Broadcast allows you to send messages to a selected group of contacts at once, similar to an email list. Unlike groups, recipients cannot see each other's replies or interact with each other within the broadcast. Here's how to create a broadcast on both Android and iOS devices:

On Android:

  1. Open the WhatsApp app.
  2. Tap the "Chats" tab.
  3. Tap the "More options" menu (three dots in the top right corner).
  4. Select "New broadcast".
  5. Select the contacts you want to add to the broadcast list. You can choose up to 256 contacts.
  6. Tap the green checkmark icon in the bottom right corner.
  7. Enter a name for your broadcast list (optional). This will help you identify the list easily in the future.
  8. Tap the broadcast list name at the top to start composing your message.
  9. Type your message and tap "Send".

On iOS:

  1. Open the WhatsApp app.
  2. Tap the "Chats" tab.
  3. Swipe down on the chat list to reveal the "Broadcast Lists" section.
  4. Tap the "New List" button.
  5. Select the contacts you want to add to the broadcast list. You can choose up to 256 contacts.
  6. Tap "Create".
  7. Tap the broadcast list name at the top to start composing your message.
  8. Type your message and tap "Send".

Additional notes:

  • You can manage your broadcast lists by editing the name, adding or removing contacts, or deleting the list entirely.
  • Recipients will receive your message as a regular individual chat, but they won't see who else is on the broadcast list.
  • Remember to use broadcasts responsibly and avoid spamming your contacts with unwanted messages.

I hope this helps! Let me know if you have any other questions.

7. What is member limit for WhatsApp Group?

As of November 2022, the member limit for a WhatsApp group is 1024. This is an increase from the previous limit of 512 members.

Here's a quick breakdown:

  • Previous limit: 512 members
  • Current limit: 1024 members

It's important to note that this limit applies to manually adding members to a group. When using a group invite link, there's no technical limit to the number of people who can join the group. However, it's still recommended to manage the group size effectively to avoid overwhelming participants and maintain a manageable conversation flow.

8. How to Unblock WhatsApp Account?

Unfortunately, there's no guaranteed way to unblock your WhatsApp account if it's been banned. However, depending on the reason for the ban, you might have a few options:

1. Re-register your phone number:

  • This method only works in specific cases and might not always be successful.
  • Steps:
    • Uninstall and re-download the WhatsApp app.
    • During registration, enter the blocked phone number.
    • Enter the 6-digit registration code.
    • If your account is still banned, wait 30 days and try again.

2. Apply for review:

  • This option is available if you believe your account was banned unfairly.
  • Steps:
    •
    • Download and install the WhatsApp app again.
    • Open the app and enter the blocked phone number.
    • Click "Support" when prompted.
    • Enter the 6-digit verification code.
    • Fill out the review application form and provide any supporting information explaining why you think your account was banned incorrectly.
  • Note: It can take several days for WhatsApp to review your request.

Important points to remember:

  • Understanding the reason for the ban: Knowing why your account was banned is crucial. Common reasons include sending illegal content, spamming, using unauthorized apps, or violating WhatsApp's terms of service.
  • Following WhatsApp's guidelines: If your account was banned for violating their terms, it's essential to understand and follow them to avoid future issues.
  • Limited success: There's no guarantee that either of these methods will work. In some cases, WhatsApp might decide to permanently ban your account.

Alternatives:

  • If you're unable to recover your banned account, consider creating a new WhatsApp account with a different phone number. However, remember that repeatedly violating WhatsApp's terms can lead to further bans.

It's crucial to use WhatsApp responsibly and avoid any actions that might lead to account suspension or ban.

9. Why my WhatsApp Account got blocked?

Unfortunately, I cannot determine the specific reason why your WhatsApp account got blocked. However, I can share some common reasons why WhatsApp bans accounts:

  • Violating WhatsApp's Terms of Service: This includes activities like sending illegal content (hate speech, violence, etc.), spamming other users, using unauthorized modified apps, and excessive broadcast messages.
  • Sending inappropriate content: This could involve sharing harmful, threatening, hateful, or discriminatory content.
  • Spamming: Repeatedly sending unsolicited messages to others can lead to account bans.
  • Using unauthorized third-party apps: WhatsApp doesn't support modified versions of their app, and using such apps can violate their terms and lead to bans.
  • Being reported by other users: If a significant number of users report your account for abusive or suspicious activity, WhatsApp might take action.

If you believe your account was banned unfairly, you can try contacting WhatsApp support and explain your situation. They might review your case and decide to unblock your account.

Here's how to contact WhatsApp support:

  1. Download and install the WhatsApp app again.
  2. Open the app and enter the blocked phone number.
  3. Click "Support" when prompted.
  4. Enter the 6-digit verification code.
  5. Fill out the review application form and provide any supporting information explaining why you think your account was banned incorrectly.

Remember, it can take several days for WhatsApp to review your request.

It's important to use WhatsApp responsibly and follow their community guidelines to avoid getting your account banned in the future.

10. Which is better WhatsApp or Telegram or Signal?

Determining which app is "better" depends on your individual priorities and needs. Here's a breakdown of their strengths and weaknesses to help you choose:

Signal:

  • Strengths:
    • Strongest focus on privacy and security: End-to-end encryption by default for all messages and calls, open-source code, no data collection or sharing with third parties.
    • Disappearing messages: Option to set messages to disappear after a specific time frame.
    • Simple and user-friendly interface.
  • Weaknesses:
    • Smaller user base compared to WhatsApp and Telegram: This might limit who you can connect with.
    • Fewer features compared to the other two: Lacks features like large group chats, channels, and advanced media editing options.

Telegram:

  • Strengths:
    • Large user base: Easier to connect with a wider range of people.
    • Feature-rich: Offers various features like large group chats (up to 200,000 members), channels (broadcasting to large audiences), bots, and advanced media editing options.
    • Cloud-based storage: Access messages from any device with internet access.
  • Weaknesses:
    • Weaker focus on privacy: End-to-end encryption is only available for "secret chats," not the default messaging option. Some user data is collected and stored on servers.
    • Concerns about potential for misuse: Due to its large user base and some features, Telegram can be misused for spreading misinformation or illegal content.

WhatsApp:

  • Strengths:
    • Largest user base by far: Most convenient for connecting with the widest range of people.
    • Familiar and user-friendly interface for many users.
    • End-to-end encryption for messages and calls: Provides a good level of privacy for communication.
  • Weaknesses:
    • Privacy concerns: Owned by Meta (formerly Facebook), raising concerns about data collection and potential future changes to privacy policies.
    • Limited features compared to Telegram: Lacks features like channels, bots, and advanced media editing options.

Choosing the right app:

  • If privacy is your top priority, Signal is the clear winner.
  • If you need a feature-rich app with a large user base and are comfortable with a slightly weaker focus on privacy, Telegram might be a good option.
  • If you prioritize connecting with the most people and are comfortable with the current level of privacy offered by WhatsApp, it can still be a suitable choice.

Ultimately, the best app for you depends on your individual needs and priorities. Consider what factors are most important to you and choose the app that best aligns with those criteria.

11. How to remove your WhatsApp group link from any website?

Once you have submitted your WhatsApp group invite link to any website then you cannot remove by yourself. So, it is better that you simply "Reset" your WhatsApp group link and people will no longer be able to join your group from your previous shared group links. Whenever they try to join via your old WhatsApp group join link it will show them that the link had been revoked by the group admin. I hope you understand.

12. Does Signal also have Group Chat features?

Yes, Signal does have group chat features. Here's an overview:

Creating a Group:

  • Open the Signal app and tap on the "New group" option.
  • Select the contacts you want to add to the group.
  • Enter a group name and choose an optional disappearing message timer.
  • Tap "Create" to finalize the group creation.

Group Features:

  • Group size limit: Up to 1000 members can be added to a Signal group.
  • End-to-end encryption: All messages and calls within the group are encrypted by default, ensuring privacy.
  • Group info and settings: Admins can edit the group name, description, and photo. They can also control who can edit group info, send messages, and start calls.
  • @mentions: You can mention specific members within the group chat by using the "@" symbol followed by their username.
  • Disappearing messages: Admins can set a timer for messages to disappear automatically after a chosen duration.
  • Group calls: Both voice and video calls can be initiated within the group, with the same end-to-end encryption for added security.

Here are some additional points to consider:

  • Unlike WhatsApp, Signal groups are not discoverable publicly. You can only join a group if you are invited by an existing member or have the group link.
  • Signal doesn't offer features like channels or large group broadcasts, which are available in Telegram.

Overall, Signal provides a secure and private group chat experience, making it a suitable option for those who prioritize these aspects in their communication.

13. How to Reset WhatsApp Group Invite Link?

Are you getting spammers in your group and spamming with off-topic messages or sharing adult content then don't be panic there is a method to stop members from joining your group and the option name is "Reset link"
We will help you so you can eset your WhatsApp group join link which you have shared everywhere. To remove the spammer you need to remove them manually and it is tough and hard work.
So simply follow the below steps and learn how you can generate a new WhatsApp group links by revoking the old one.

  • First of all, you need to open the group.
  • Now click on the name of that WhatsApp groups and scroll a little and you will find an option called "Invite via link".
  • Once you click on that you will see another option "Reset link. Simply click on that and the old link will be revoked, and the new link will be automatically generated for your WhatsApp Group.
  • Users with the old link will no longer be able to join your group. That’s it. You have successfully learned how to Reset a WhatsApp group link.

14. What is member limit for Signal Group?

The member limit for a Signal Group is 1000. This means you can add up to 1000 participants to a single group chat in Signal.

It's important to note that unlike WhatsApp which offers unlimited group size through invite links, Signal groups require members to be explicitly added by an admin or join through a specific group link. This helps maintain control over group size and potentially reduces the risk of spam or unwanted additions.

Here are some additional points to consider regarding Signal group size:

  • Larger groups might experience performance limitations: While Signal supports groups of up to 1000 members, very large groups can lead to slower message delivery or loading times, especially for devices with limited resources.
  • Managing large groups can be challenging: As group size increases, it becomes more difficult for admins to effectively manage discussions, ensure everyone feels heard, and prevent potential conflicts.
  • Consider smaller groups for optimal experience: For a more focused and engaging group experience, it's often recommended to keep group sizes smaller, especially for private or close-knit communities.

Ultimately, the ideal group size depends on your specific needs and purposes. If you need a large group for broadcasting information or facilitating discussions with a wider audience, Signal can still be a suitable option. However, for more personal or interactive group communication, keeping the size manageable might be beneficial.