NPCI Launches AI-Powered ‘UPI Help’ to Streamline Digital Payment Assistance

The National Payments Corporation of India (NPCI) has unveiled “UPI Help”, an AI-powered assistant designed to enhance user experience on the Unified Payments Interface (UPI) platform. The innovative tool will assist users in resolving payment-related queries, managing mandates, and tracking grievances seamlessly across participating banks and UPI applications.

AI Assistant for Real-Time Query Resolution

‘UPI Help’ will serve as an intelligent support system to guide users through issues related to digital payments. From failed transactions to unclear payment statuses, the AI assistant can provide step-by-step resolutions. It is designed to ensure faster and more transparent communication between users and banks, reducing the time required to address payment concerns.

Enhanced Grievance Redressal Through Automation

The AI tool allows users to check transaction statuses, raise complaints, and monitor their progress through automated tracking. Integrated with the UDIR (UPI Dispute Resolution) framework, it enables quick sharing of transaction details with issuing banks for efficient dispute management. This system will be particularly helpful for users facing issues with pending or incomplete transactions.

Unified View for UPI Mandates

With ‘UPI Help’, users will gain a consolidated view of all their active mandates under the UPI Autopay feature. This will allow them to manage recurring payments, subscriptions, and authorisations more conveniently, fostering better financial control and transparency within digital payment ecosystems.

Related GK Facts

• The Unified Payments Interface (UPI) was launched by NPCI in 2016 to promote cashless transactions in India.
• As of 2025, UPI processes over 12 billion transactions monthly, valued at more than ₹20 lakh crore.
• DigiSaathi is the official digital payment helpline launched by RBI and NPCI to assist users with payment-related queries.
• The UDIR (UPI Dispute Resolution) system standardises complaint management across banks and payment service providers.

Gradual Rollout and Integration Plans

Initially launched as a pilot, ‘UPI Help’ will be available to select users via member banks’ customer service portals, DigiSaathi chatbot, and websites. NPCI plans to integrate it directly into UPI apps in the future, enabling users to access the assistant through in-app support and API-based connections. Following successful testing, the rollout is expected to expand nationwide, bringing AI-driven assistance to millions of UPI users across India.