Permission Required: All Clients who activated and added UPI on their subscription plans.
Regional Availability: India
Overview
We’re excited to introduce UPI support for Volopay virtual cards! You can now make secure and seamless UPI transactions by linking your Volopay virtual card to the Plus Pay app (powered by Pine Labs).
With this integration, you can:
Request a UPI-enabled virtual card from Volopay
Link your card to UPI through the Plus Pay app
Make UPI payments and track expenses directly from your Volopay dashboard
Key Features
UPI Payments via the Plus Pay App
Activate UPI by linking your Volopay virtual card in the Plus Pay app
Scan & Pay any merchant’s UPI QR code
Send & Receive Money via UPI (P2P)
Secure Transactions with two-factor authentication
Full Visibility and Control via Volopay
Even though transactions happen through the Plus Pay app, you still retain powerful controls through Volopay:
Set Custom Spending Limits for each user
Track UPI Transactions in Real Time within Volopay
Automatic Expense Categorization for simplified reporting
How to Apply for a New UPI-Enabled Virtual Card on Volopay
Prerequisite:
Ensure your VKYC (Video KYC) is completed before applying.
Step-by-Step Guide
1. Log in to Volopay
Open your mobile browser.
Go to: https://app.volopay.co/login/ and login using your registered email address.
2. Create a New UPI Card
Enter your Full Name + “UPI Card” as the card name.
Example:John Smith UPI CardIf you require an advance for a job, enter the specific amount.
If not, enter 1 as default.
3. Enable UPI Payments
Make sure the UPI Payments icon is enabled before submitting the request.
4. Submit Your Request
Once submitted, your request will be reviewed and approved by the relevant team.
After approval, the UPI-enabled virtual card will be issued to you.
5. Track Your Request
You can log in again to check the status of your card request at any time.
Plus Pay App Setup Guide: Installation, Verification, UPI Setup, Beneficiary Addition, and UPI Transaction Limits
If you’ve been issued a UPI-enabled virtual card on Volopay, it is mandatory to install and configure the Plus Pay mobile app to make UPI payments via QR codes and UPI IDs.
This guide covers all necessary steps — from installation to transaction limits.
1. Install the Plus Pay Application
Download the Plus Pay app from the Google Play Store or Apple App Store.
Open the app to begin registration.
2. Register Using Your Mobile Number
Enter your mobile number registered with Volopay.
When prompted, allow the app permission to make and manage phone calls.
Tap Allow to proceed and receive an OTP via SMS.
Enter the OTP to complete mobile verification.
When prompted, grant location permission for full app functionality.
3. Link and Update Your Volopay Account Information
After registration, tap the Edit Profile icon.
Enter your full name and Volopay-registered email address.
Save the changes to properly link your Volopay UPI virtual card.
4. Set Up UPI Access
Go to My Account within the Plus Pay app.
Tap on Prepaid Accounts.
Select Set Up API.
Enable SMS access when prompted and confirm.
Verify that UPI access has been successfully added to your profile.
5. Add a Beneficiary (Required for Personal UPI IDs or Non-Merchant QR Codes)
If you're sending money to a personal UPI ID or scanning a non-merchant QR code, you must first add that UPI ID as a beneficiary.
Steps:
In the Plus Pay app, tap the Edit Profile icon.
Scroll down to Prepaid Accounts.
Tap the linked account (with the arrowhead icon).
Select Beneficiary Registration.
Tap New Beneficiary.
Enter:
Beneficiary Name
UPI ID (e.g.,
7458xxx@upi)
Set the transaction limit for this beneficiary as needed.
Submit to complete the registration.
Important Note: Wait 30 minutes after adding a new beneficiary before initiating any transaction. Early transactions may result in failure or fund deduction.
6. Make a Payment
After the 30-minute wait period, you can return to the app’s home screen and proceed with UPI payments to the added beneficiary or to a merchant QR code/UPI ID.
IMPORTANT: UPI Transaction Limits
P2M (Payments to Merchants):
₹5,000 total limit in the first 24 hours (for new users).
₹1,00,000 daily limit after 24 hours.
₹2,000 limit if scanning a QR code from your gallery.
Max 10 successful UPI transactions per 24 hours.
Monthly cap: ₹10,00,000 total or 310 transactions.
P2P (Payments to Individuals):
Without beneficiary: ₹10,000/month per UPI ID.
With beneficiary: ₹2,00,000/month per UPI ID(only after 30 minutes of adding the beneficiary).
You may add up to 100 beneficiaries.
Cooling periods and transaction count limits still apply.
Need Help?
If you experience any issues with registration, UPI setup, or transactions, please contact Volopay Customer Support for assistance.
Important Notes
All UPI payments must be made through the Plus Pay app
Volopay enables visibility, controls, and expense tracking — not UPI processing itself
The mobile number used in Plus Pay must match the one registered in Volopay
One UPI-enabled card per user — UPI cannot be transferred to another card once activated
Businesses can set custom spending limits on UPI transactions for enhanced security
If you need further assistance or help setting up your UPI virtual card, feel free to reach out to our support team anytime!
MCC Restrictions for UPI Payments (Premium Feature)
To enhance security and transaction control, Merchant Category Code (MCC) restrictions are now supported for UPI payments made via Volopay virtual cards.
This feature ensures that UPI transactions to specific merchant categories can be restricted, helping businesses enforce spending policies and reduce unauthorized transactions.
Features:
Merchant Restriction Alerts:
UPI payments to restricted merchant categories will be automatically declined.In-App Notification:
Users will see a clear message within the platform indicating that the transaction was blocked due to MCC restrictions.Email Notification:
A notification email will also be sent to the user explaining that the expense could not be processed due to a merchant restriction.
Example:
If a user attempts a transaction with a merchant like Grofers, and that merchant's MCC is restricted, the transaction will be declined, and the user will receive both an in-app alert and an email notification explaining the reason.
How It Works
When a UPI payment is initiated, the merchant’s MCC is checked.
If the MCC is restricted, the transaction is declined immediately.
The user is informed via the app and email with a message referencing the merchant restriction.
This provides clear visibility and helps prevent unauthorized or non-compliant expenses.
Impact
Prevents UPI payments to restricted or non-business-related merchants.
Improves compliance with company spending policies.
Applies to all UPI-enabled virtual cards configured with this feature.
Note:
MCC restrictions for UPI payments are a premium feature and not part of Volopay’s standard offering. They can be configured from the backend upon request for clients who require this level of transaction control.
Real-Time UPI Transaction Flow for Virtual Cards
To comply with UPI guidelines, Volopay has implemented Real-Time Transaction Flow (RHA) for all UPI payments made via virtual cards. Transactions are now validated in real time against key UPI rules to ensure security and compliance.
Key Checks:
Card Activation Window: UPI transactions over ₹5,000 will be declined if the card was activated less than 24 hours ago.
Daily Limit: A maximum of 10 UPI transactions is allowed per card per day. Additional attempts will be blocked.
Self VPA Block: Payments to the cardholder’s own UPI ID (e.g., name-volopay@pinelabs) are not allowed.
These controls help prevent misuse, support regulatory compliance, and enhance payment security.
UPI Setup User Guide
The attached User Guide provides step-by-step documentation on how to link a Volopay Virtual Card within the Plus Pay App, along with additional details about the UPI program and transaction limits. This guide ensures a seamless onboarding experience and helps users understand the key functionalities available.