The seven habits
1. Never share your UPI PIN
Your UPI PIN is only for you. No merchant, bank employee or OUTPAY representative needs it.
2. Never share an OTP
This includes someone who says they are calling from OUTPAY. We will never ask for your OTP.
3. Verify the merchant
Before you start, check that you are at an authorised OUTPAY merchant point. You can search for merchants by pincode.
4. Confirm the exact amount
Check the amount on the screen before you authorise any transaction.
5. Collect your digital receipt
Every transaction ends with a digital confirmation. Keep it until the debit shows in your account.
6. Contact support for a failed transaction straight away
Do not wait. The sooner we know, the sooner we can help escalate it with the bank or payment network.
7. Report anything suspicious
If a merchant asks for your PIN or OTP, or charges an amount you were not told about, tell us at once.
What OUTPAY merchants commit to
Every OUTPAY merchant agrees to provide cash only after verified confirmation, never ask for a PIN or OTP, display charges transparently, provide digital confirmations, report suspicious transactions and cooperate with compliance audits. Read more on how it works.
If something goes wrong
Contact us through the contact page, by phone or by email. Under our Grievance Policy we aim to acknowledge a grievance within 2 business days and respond within 7 business days, although matters that need a partner bank or payment network can take longer.
Frequently asked questions
Will an OUTPAY merchant ever ask for my UPI PIN?
No. Merchants are required never to ask for a UPI PIN or OTP under any circumstance. If one does, stop and report it to us.
How long does a failed transaction reversal take?
A debited amount from a failed transaction is expected to be reversed by the bank or payment network, commonly within a few business days. If it is not, contact support with your receipt.
How do I raise a complaint?
Use the contact form, email or phone number on our contact page. We aim to acknowledge within 2 business days and respond within 7 business days.