| App / channel | bob e-Pay, Bank of Baroda's UPI app, can link eligible accounts from UPI-live banks and supports QR, Send/Collect, account+IFSC, Global UPI, Tap & Pay, Lite, AutoPay, RuPay credit cards and UPI Circle. | PNB ONE 2.0 and BHIM PNB for smartphone UPI; PNB also offers UPI 123PAY over IVR for eligible feature-phone/no-internet use and card-funded UPI for eligible PNB RuPay credit cards. |
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| Registration | Register with the same mobile number used by the linked bank account, complete app SMS/mobile verification, create VPA/login PIN, add the eligible account and set UPI PIN using the linked debit-card/issuer authentication flow. | PNB ONE self-onboarding can use debit card, Aadhaar-based view credentials, Internet Banking credentials or branch mode; UPI registration then links eligible account/mobile and establishes UPI PIN. UPI 123PAY provides a separate IVR account/PIN setup route. |
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| Authentication | Two-factor/device-binding controls apply. bob e-Pay supports UPI PIN for ordinary transactions and current features include biometric/face-authentication paths for selected UPI PIN/transaction journeys; Lite has its own PIN-less small-value state. | PNB ONE uses MPIN/biometric for app access and TPIN/OTP for bank transactions, while UPI flows use UPI PIN. PNB's 123PAY IVR can set a UPI PIN using debit-card details, ATM PIN and OTP when required. |
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| Standard limits | P2P/P2PM and ordinary P2M: ₹1 lakh per transaction and ₹1 lakh/day, 20 transactions/day/account. Specified-MCC P2M: ₹2 lakh per transaction/day. IPO and RBI Retail Direct collect: ₹5 lakh per transaction and ₹15 lakh/day. USSD (*99#): ₹5,000 per transaction/day. | No fresh universal PNB account-funded UPI daily ceiling is hard-coded from the 2026 public PNB ONE/UPI pages. The engine retains the older ₹50,000/day figure only as legacy evidence and requires the live PNB ONE/BHIM PNB control for current high-value usage. |
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| Security cooling | Current table: after setting/resetting UPI PIN and fresh registration/re-verification of device, fund transfer is limited to ₹5,000. The security section describes ₹5,000 for the new user's first transaction; the live app remains controlling if additional risk restrictions apply. | No current PNB-specific first-registration/device-change UPI cooling amount is asserted from the reviewed 2026 source set. Live app/risk controls remain controlling. |
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| UPI Lite | bob e-Pay offers UPI Lite, but the bank page still displays legacy ₹500/₹2,000/₹4,000 numbers in its FAQ. Current RBI/NPCI limits are therefore used for current system context—₹1,000 per transaction and ₹5,000 stored balance—while the stale bank copy is surfaced as an evidence conflict rather than silently overwritten. | PNB's January 2026 results material states PNB ONE 2.0 supports UPI Lite. Current numeric system limits are kept at the RBI/NPCI framework (₹1,000 per transaction, ₹5,000 stored balance) rather than the bank's much older launch-era Lite material. |
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| RuPay credit-card UPI | bob e-Pay can link eligible RuPay credit cards from participating issuers. Bank FAQ states credit-card UPI is only for P2M and carries no linking/transaction fee from bob e-Pay; available credit and issuer/UPI restrictions still apply. | PNB's current credit-card portal supports linking eligible PNB RuPay credit cards to listed UPI apps and paying merchant QR/online UPI flows using UPI PIN. The card-funded path is treated as P2M, not as a P2P/receive-funds account substitute. |
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| AutoPay / mandates | UPI AutoPay is supported and mandates can be managed in-app. Recurring instructions remain a separate authorization lifecycle from one-off P2P/P2M limits. | PNB ONE 2.0 explicitly supports UPI Mandate. Mandates are stored as recurring authorization rather than being assigned the old PNB ONE generic mobile-banking limit. |
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| Failure / recovery | bob e-Pay provides dispute management/history, real-time/settlement reversals and complaint paths. More than three wrong UPI PIN attempts can cause temporary blocking and repeat failures can require UPI PIN regeneration; device/SIM changes require re-registration. | PNB ONE provides UPI transaction history and blocking. PNB's current UPI/123PAY pages publish bank support routes; card-linking issues use the card portal/customer-care path and ordinary payment disputes should follow the relevant UPI/app bank channel. |
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