• Canara

  • Canara a1PE

INTRODUCTION

Canara ai1Pe is Canara Bank’s unified digital payments application, designed to provide customers with a fast, secure and seamless UPI experience. This app supports users from any bank, allowing them to link their accounts and enjoy instant money transfers, bill payments and everyday digital services all in one place.

Features

  • UPI Money transfer to Merchant/UPI Number/Self
  • QR code payments
  • UPI Circle (Full and Partial Delegation)
  • Bill Payments & Recharges
  • UPI Autopay
  • Spend Analytics
  • UPI Lite

Cooling Period

Cooling period of 24-hrs for Android devices and 72- hours for iOS devices from the date of registration. Maximum transaction limit during the cooling period is Rs.5000/- per day.

Steps to Install

Pre-Requisite:

  1. Smart phone (Android 7.0 and above, iOS 17 and above)
  2. Internet Connection
  3. Sufficient Balance to send SMS (Carrier charges by Network Operator)
  4. Sufficient storage to download application

User Registration:

  • A user having any Bank’s account can register for Canara ai1Pe application. The mobile number registered with the Bank account should be used in the device where the application is installed.
  • User has to install the application from the Play Store / App Store.
  • Launch the installed application to start registration process and accept all the app permissions asked, select language, agree to Terms & Conditions and Privacy Policy.
  • Select the SIM Slot in which your registered mobile number with Bank is placed.
  • An encrypted SMS will be sent from the registered mobile number. Ensure sufficient balance is available in the SIM for sending the registration SMS.
  • After successful verification of mobile number and device, application prompts to choose Login method. User can either set 4-digit PIN or device biometric for login. The chosen method will be followed for subsequent logins. User can change it from the app settings option.
  • After setting the login method, user has to enter the Name to be displayed in the profile section and continue. It will log into the application home page with UPI ID created by default. The UPI ID will be mobilenumber@upi and this cannot be changed/edited.
  • After successful login, user has to add accounts to perform transactions.

Frequently Asked Questions

  1. 1. What is UPI?

    Unified Payments Interface (UPI) is a system that powers multiple Bank accounts into a single mobile application merging several Banking features, seamless fund routing and merchant payments into one hood. Canara Bank provides UPI facilities to its customers as well as other customers for financial and non-financial transactions through dedicated UPI app “Canara ai1Pe”. Users can also access UPI facility through “Canara ai1 Mobile Banking App”.

  2. 2. What is an UPI-PIN?

    UPI-PIN (UPI Personal Identification Number) is a 4 or 6-digit number created during first time registration of an account with UPI. This PIN is required to authorize financial transactions. If already set in another UPI app, it can be used. However, for iOS devices, UPI PIN must be set again while adding account in ai1Pe.

  3. 3. What is VPA/UPI ID?

    Virtual Payment Address (VPA)/UPI ID is a unique identifier used in UPI system. VPA (mobilenumber@upi) is created automatically in ai1Pe app at the time of onboarding.

  4. 4. Can user create customized Virtual Payment Address (VPA) in ai1Pe?

    No.

  5. 5. What is Two-Factor Authentication (2FA)?

    UPI transactions require two-factor authentication for enhanced security. In ai1Pe, Login PIN/biometric authentication and UPI PIN serve as multi-factor authentication.

  6. 6. What are the different channels available to set/reset UPI PIN?

    Users can set/reset UPI PIN using Debit Card details or Aadhaar linked to the account. For RuPay Credit Card, credit card details are required.

  7. 7. How many accounts can be added to ai1Pe?

    There is no restriction on adding Bank accounts in ai1Pe.

  8. 8. Customer is able to activate UPI in Savings Account but unable to activate OD account of Proprietorship firm. Why?

    For availing UPI services, registered mobile number (RMN) must be linked to single customer ID only. If RMN is linked to both Individual ID and Proprietorship ID, UPI services cannot be availed.

  9. 9. Can I register for UPI in ai1Pe without seeding my mobile number in bank account?

    No. UPI ID is linked to registered mobile number in bank account.

  10. 10. Whether non-Canara Bank customer can use Canara Ai1Pe App?

    Yes. Non-Canara Bank customers can use Canara Ai1Pe App and add CASA accounts/RuPay Credit Card maintained in any other Bank participating in UPI.

  11. 11. Can user link Current/OD (Non-Individual) to UPI?

    UPI for non-individual current account/OD (other than proprietary) is not allowed via App mode for performing UPI transactions. It can be enabled via merchant onboarding process through UPI QR for receiving funds.

  12. 12. Does customer need to register beneficiary before transferring funds?

    No, beneficiary registration is not required for transferring funds through ai1Pe.

  13. 13. Does beneficiary need to register for UPI to receive funds?

    For Virtual ID/Mobile number transactions, beneficiary must be registered with UPI. For Account + IFSC transactions, beneficiary need not be registered for UPI.

  14. 14. What happens if wrong UPI-PIN is entered?

    If wrong UPI PIN is entered, transaction will be declined. After 3 consecutive wrong attempts, sending money via UPI will be blocked for 24 hours.

  15. 15. How long does it take for money to get credited?

    For successful transactions, funds get credited instantaneously.

  16. 16. Where can I see my UPI transaction details?

    User can view transaction details under the ‘History’ tab in ai1Pe app.

  17. 17. What is procedure if UPI transaction failed but account debited?

    Failed transaction amount will be reversed by T+1 days. User can raise complaint under “UPI Help” in History page. Customers may also contact respective Bank branch.

  18. 18. What happens if my mobile phone is lost?

    Block your mobile number immediately. No transaction can be initiated without UPI PIN. Contact your Bank customer support immediately.

  19. 19. What if UPI shows Blocked/Frozen?

    Customer must contact respective Bank/branch where debit account is maintained.

  20. 20. What if Bank account is not fetched while linking?

    Ensure mobile number used for registration is linked to the Bank account. Otherwise accounts will not be fetched.

  21. 21. Getting error “Transaction Limit Exceeded”?

    Maximum limit for sending money through UPI is Rs.1,00,000/- in 24 hours.

  22. 22. What is transaction limit for newly registered customers?

    Android: Up to Rs.5000/- for 24 hours from first transaction.
    iOS: Up to Rs.15000/- for 72 hours (Rs.5000/- per 24-hour cycle).

  23. 23. How to verify correct UPI ID/Mobile number?

    When UPI ID/Mobile number is entered, beneficiary name is displayed for verification before sending money.

  24. 24. How to avoid frauds on UPI account?

    Do not share personal details to receive money or claim rewards.

  25. 25. What is considered sharing personal information?

    Sharing/Inputting PIN/OTP, clicking unknown SMS links, giving remote access of phone are considered sharing personal information.

  26. 26. What if transaction failed but amount debited?

    Wait 24–48 hours for reversal. If not reversed, contact your Bank.

  27. 27. What if I change my mobile handset?

    Download ai1Pe again from Play Store/App Store on new device and register using same registered mobile number.

  28. 28. What if I change my mobile number?

    Update new mobile number with issuing Bank. Delete existing app and reinstall. Complete registration and add Bank accounts again.

  29. 29. I can see accounts not belonging to me. What to do?

    Contact respective Bank immediately as your mobile number may be mistakenly linked.

  30. 30. Branch Support / Customer Care Number

    For branches: ai1pe@canarabank.com
    For Customers: Toll Free 1800 1030