Making UPI Apps Easy for Your Parents: Tips and Tricks

Barbie Espinol
Making UPI Apps Easy for Your Parents: Tips and Tricks

Introducing UPI (Unified Payments Interface) apps to parents can greatly simplify their financial management, reduce trips to banks, and allow them to embrace digital payments confidently. 

However, for many parents unfamiliar with technology, adopting UPI apps might initially seem overwhelming. Here is a comprehensive guide to help you make UPI apps easy for your parents, covering setup, essential tips, and tricks to ensure a smooth transition.

Understanding UPI and why it is beneficial for parents

UPI apps allow for instant, secure transactions between bank accounts, making payments for essentials like groceries, utilities, or even medical expenses hassle-free. The advantages for parents include:

  • Convenience: No need to visit ATMs or handle cash frequently.
  • Security: UPI uses PIN-protected transactions and encryption, making it a safe method for online payments.
  • Financial independence: They can make payments directly from their bank account, increasing independence.

1. Choosing a simple UPI app

The first step is to select a UPI app with an easy-to-use interface. Look for apps with straightforward navigation, large buttons, and clear instructions. Some popular options known for their user-friendly design are BHIM UPI app, Bajaj Pay, PhonePe, Paytm, and Google Pay. You might consider Bajaj Pay if you are already familiar with Bajaj Finserv services; its interface is designed to be user-friendly with essential functions easily accessible.

Tip: Avoid apps that have too many advanced features initially. Start with an easy to understand UPI app download.

2. Setting up the UPI app together

Setting up a UPI app can be daunting for beginners, so guide them through the initial process step-by-step:

  1. Download the app: Go to the Google Play Store or Apple App Store, search for the app, and install it.
  2. Register with mobile number: Have them enter their mobile number, which should be linked to their bank account.
  3. Select bank account: The app will automatically detect the bank account linked to their phone number.
  4. Set up UPI PIN: Create a secure UPI PIN, which they will use for transactions. Make sure it is something memorable but not easy to guess.

Tip: Write down the PIN temporarily in case they forget it during the first few days. Encourage them to memorise it, and then securely discard any written notes for security.

3. Explaining key features

Once the app is set up, familiarise them with the basic functions they will use frequently:

  • Sending money: Show them how to send money to family, friends, or service providers. You can demonstrate by sending a small amount to your account.
  • Receiving Money: Teach them how to receive funds by sharing their UPI ID or using a QR code.
  • Checking balance: This is a crucial feature for parents to know as it helps them track spending.
  • Viewing transaction history: Explain how they can see past transactions, so they always feel in control.

Tip: Run through these features a few times. Repetition will help reinforce their understanding and build confidence.

4. Adding contacts and QR codes for easy access

To simplify transactions, add frequently used contacts directly into the app so they do not need to search every time. You can also save QR codes for places they regularly shop, like a nearby grocery store, to make payments faster.

Tip: If they regularly pay specific merchants, show them how to bookmark those QR codes or add them as a “Favourite” contact within the app.

5. Teaching security measures

Security is a big concern for everyone, especially beginners. Explain these essential security tips:

  • Never share PIN: Emphasise that the UPI PIN should be private and not shared with anyone, even close family.
  • Recognise phishing attempts: Warn them against clicking unknown links or sharing OTPs (One-Time Passwords) over the phone.
  • Locking the app: Some apps allow for fingerprint or PIN lock. Enable this to add an extra layer of security.

Tip: Reassure them that UPI apps are secure but make sure they understand the importance of safeguarding their PIN and not giving out personal information.

6. Setting up reminders for regular payments

Most UPI apps allow users to set reminders for recurring payments such as monthly utility bills, rent, or loan EMIs. Setting these up can reduce stress and help your parents avoid late fees:

  1. Bill payment reminders: For example, apps like Google Pay and Bajaj Pay offer a BBPS (Bharat Bill Payment System) feature that supports reminders for regular utility bills. Enable notifications so they get timely alerts.
  2. Direct debits: If they are comfortable, you can set up auto-debits for specific monthly payments to make the process fully automated.

Tip: Go over these reminders with them to confirm that they understand which payments are automated and which ones they need to do manually.

7. Utilising rewards and cashback offers

Many UPI apps offer rewards, discounts, or cashback for transactions. While not the primary reason to use a UPI app, these benefits can make it more appealing for your parents.

  • Browse offers section: Show them the “Offers” or “Rewards” sections in the app.
  • Encourage smart spending: Explain that these rewards often come with conditions, so they should not make unnecessary purchases just to earn points.

Tip: If they enjoy shopping at specific stores, see if any app rewards or cashback offers are available that can help them save on regular purchases.

8. Practice with real-life scenarios

Practising with everyday scenarios will build their comfort level with the app. Some useful scenarios include:

  • Grocery shopping: Go with them to a grocery store that accepts UPI payments. Show them how to scan the QR code to pay.
  • Small money transfers: Have them transfer a small amount to your account or a close family member’s account as a test.
  • Mobile recharge: Demonstrate how to recharge their phone using the app, which is a common monthly expense.

Tip: Doing these small, low-stakes transactions will help them gain confidence without the pressure of handling larger amounts.

9. Setting up notifications for tracking

Enable notifications for transaction confirmations, balance updates, and reminders, so they are always aware of activity in their UPI app. This helps prevent any errors and ensures they can quickly spot and respond to any unauthorised activity.

Tip: Teach them to review notifications carefully and encourage them to ask if they are unsure about any transaction message.

10. Encouraging regular use and patience

Like any new habit, using a UPI app can take time to feel natural. Encourage your parents to use it regularly for small payments. Be patient and remind them that it is normal to feel a little unsure at first.

Tip: Reassure them that you are always available to answer questions or help with issues. Knowing they have support will reduce any anxiety they may feel.

Conclusion

Using UPI apps can be transformative for your parents, making their financial transactions simpler, safer, and more convenient. With the right approach, from selecting an easy-to-use app like Google Pay or Bajaj Pay to practising real-life scenarios, you can help them feel confident with digital payments. 

With time and patience, they will gain independence in managing their finances digitally, making life a bit easier and even opening up new possibilities for them in the online world.

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