| App / channel | Axis Bank account UPI through open and supported third-party UPI apps; Axis also documents Lite, AutoPay, Credit on UPI and UPI Circle capabilities across its payment stack. | Canara ai1Pe is a multi-bank UPI app supporting Canara and other UPI-enabled bank accounts, with UPI Circle, AutoPay, UPI Lite, merchant payments, analytics and QR flows. |
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| Registration | Link an eligible Axis account using the registered mobile/device flow in open or a participating UPI app. Axis migration material confirms active debit-card/account-holder requirements for migrated accounts; generic eligibility remains account/app dependent. | Download ai1Pe, verify mobile number by SMS, set app passcode, link the eligible bank account and activate using debit card or Aadhaar OTP before setting the UPI PIN. |
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| Authentication | Ordinary account-funded UPI uses the UPI PIN and device/account security controls. UPI Lite transactions on an enabled app do not require the UPI PIN; RuPay credit-card UPI uses its own 6-digit UPI PIN rather than the 4-digit card PIN. | Ordinary UPI uses UPI PIN plus device/account controls. Canara UPI Lite permits eligible payments up to ₹1,000 without UPI PIN after Lite enablement; delegated/card-funded flows use their own authorization rules. |
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| Standard limits | Current Axis UPI terms: up to ₹1,00,000 per transaction when funding from an Axis Bank account. Other-bank accounts may use different issuing-bank limits; the engine does not turn this per-transaction statement into an unsupported universal Axis daily ceiling. | P2P: ₹1 lakh per transaction and ₹1 lakh/day, max 20/24h. Verified/special merchant P2M: ₹2 lakh per transaction/day. IPO/Retail Direct: ₹5 lakh per transaction and ₹10 lakh/day. Hospitals/education and tax: ₹5 lakh per transaction/day. QR from gallery: ₹2,000 per transaction / ₹10,000 daily, max 5/day. |
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| Security cooling | Migration-specific evidence: newly re-registered migrated Citi accounts were limited to ₹5,000 in the first 24 hours on Android and ₹25,000 over the first 120 hours on iOS (₹5,000 per 24 hours). Because that source is migration-specific, generic Axis registrations follow live app/bank controls unless separately documented. | New UPI user on any enabled app with Canara remitter: Android first 24 hours up to ₹5,000; iOS first 72 hours up to ₹15,000 total, limited to ₹5,000 in each 24-hour cycle. |
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| UPI Lite | Axis terms explicitly recognize UPI Lite without UPI PIN but contain legacy ₹500 wording plus 'or as prescribed by NPCI'. Current RBI/NPCI controls are used: ₹1,000 per Lite transaction and ₹5,000 maximum stored balance, subject to any lower live app restriction. | Current Canara terms: ₹1,000 per UPI Lite transaction, ₹5,000 maximum Lite balance and ₹10,000 cumulative daily spend. Lite is an on-device balance enabled from one eligible linked account and does not require UPI PIN for eligible Lite payments. |
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| RuPay credit-card UPI | Axis's current credit-card MITC requires the registered card mobile number and a separate 6-digit UPI PIN; only eligible RuPay P2M flows are allowed. P2P, P2PM, cash withdrawal, digital-account-opening, lending, eRUPI, IPO, foreign inward remittance and mutual-fund categories are excluded, and existing UPI plus card limits both apply. | Canara's current UPI debit table separately lists RuPay credit-card-on-UPI merchant/special-category P2M at ₹2 lakh per transaction and ₹3 lakh/day. Linking uses eligible RuPay card details/OTP and a 6-digit UPI PIN; this card-funded ceiling does not alter P2P account limits. |
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| AutoPay / mandates | Axis migration material confirms UPI AutoPay/recurring mandates. Mandates are stored separately from one-off transfers because authorization, recurrence, pause/revoke and merchant/use-case rules differ. | Canara explicitly supports UPI Mandate/AutoPay for recurring/future payments and separately documents higher no-additional-factor e-mandate processing for specified merchant categories under current rules. |
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| Failure / recovery | UPI/card-funded disputes can be raised with Axis or the UPI app used for the transaction. Device changes can require re-registration, and the prior device can be deregistered for linked card-on-UPI access. | Device change/Lite disablement has a defined balance-return process in Canara's Lite terms. Account/app support and UPI dispute/reversal processes apply for failed transactions, while re-registration can trigger the documented cooling state. |
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