🤖 Quick Answer:
Money View now has its own UPI feature, and it's officially approved by NPCI. Just like GPay or PhonePe, you can scan QR codes and send money to anyone. But here is why I actually use it: you can link your RuPay credit card directly to it! Plus, if you're ever short on cash, they give you a "Smart Pay" credit limit up to ₹5 Lakh that you can use to pay merchants and convert the bill into easy EMIs. Before you set this up, make sure you punch in the Money View referral code MVEQHRBQ. This gives you a flat ₹1,500 cashback reward in your wallet.
We all have Google Pay and PhonePe on our phones. So when Money View launched its own UPI feature, my first thought was: "Why do I need another UPI app?"
But after testing it for three months, I realized Money View UPI isn't trying to replace Google Pay. Instead, it is doing something much smarter: it is combining UPI payments with instant credit lines and RuPay credit cards.
If you occasionally run out of cash before payday, this specific UPI setup might actually save you. Let me show you how it works and why you should activate it.
More Than Just Scanning QR Codes
Money View UPI operates on the secure NPCI network, meaning it is just as safe as any major banking app. However, its real power lies in its advanced features:
- Standard UPI: Send money, receive funds, and pay utility bills directly from your linked savings account.
- RuPay Integration: Link your RuPay credit card to scan merchant QRs and pay on credit.
- Smart Pay (Credit Line): Don't have a credit card? Money View gives you a pre-approved UPI credit limit up to ₹5 Lakhs.
How to Set Up Money View UPI in 2 Minutes
The setup is completely frictionless if you already have the app installed:
- Step 1: Open the Money View app and tap the 'Scan & Pay' or 'UPI' banner on the dashboard.
- Step 2: Tap 'Verify Mobile Number'. The app will send an SMS to verify your device (ensure you select the SIM linked to your bank).
- Step 3: Choose your bank from the list. The app will automatically fetch your account details.
- Step 4: If you already have a UPI PIN for that bank account, you are done! If not, create one using your debit card details.
💡 Ananya's Smart Tip: Your new UPI ID will look something like yournumber@moneyview. You can share this ID to receive money from anyone, regardless of whether they use GPay, PhonePe, or Paytm.
How to Link Your RuPay Credit Card
This is my favorite feature. Instead of swiping a plastic card, you can scan a shop's QR code and pay using your RuPay credit card.
| Action | Steps to Follow |
|---|---|
| 1. Go to Settings | Open the UPI Dashboard and tap the 'Settings' gear icon. |
| 2. Add Card | Select 'Add RuPay Credit Card' from the menu. |
| 3. Select Bank | Choose the bank that issued your RuPay card (e.g., HDFC, SBI). |
| 4. Confirm & PIN | The app will fetch the card. Set a specific UPI PIN for this card to start paying. |
Smart Pay: The Game Changer
If you don't have a RuPay card, Money View's Smart Pay acts as a digital credit card directly on your UPI app.
Once activated, you are given a credit limit based on your CIBIL score. When you scan a QR code at a store to buy an expensive item (like a phone or fridge), you can choose to pay via 'Smart Pay' instead of your bank account.
The best part? You can instantly convert that specific transaction into a 3, 6, or 9-month EMI directly from the app screen.
Claim Your ₹1,500 Cashback Today
MVEQHRBQ
Frequently Asked Questions
How to set up Money View UPI?
It's super easy! Just open the app, tap the UPI banner, and let it verify your phone number via SMS. Pick your bank, and boom—your new UPI ID is ready to use in under two minutes.
Can I add a RuPay credit card on Money View UPI?
Yes! This is my favorite feature. Just head into the UPI settings, tap 'Add RuPay Credit Card', and select your bank. But keep in mind, you can't link Visa or Mastercard for UPI payments yet—that's an RBI rule, not just Money View's.
What is Money View Smart Pay?
Think of Smart Pay as a built-in credit card on your phone. If you're buying something expensive at a store, you can scan their QR code and use Smart Pay to cover the bill. You can then comfortably repay it in 3 to 9-month EMIs.
Is Money View UPI safe to use?
100%. Money View works directly with NPCI (the government body that runs UPI). Every single payment still requires your secret PIN, and it's protected by the exact same encryption that your bank uses.
What are the charges for Money View UPI?
If you're just sending money to friends or paying a shopkeeper from your bank account, it's completely free. But if you decide to use the Smart Pay credit line, standard EMI interest rates and processing fees will apply.
Join the Discussion
0 Comments
Loading comments...