| App / channel | Axis Bank account UPI through open and supported third-party UPI apps; Axis also documents Lite, AutoPay, Credit on UPI and UPI Circle capabilities across its payment stack. | UPI through Kotak Mobile Banking/BHIM UPI and supported UPI apps linked to an eligible Kotak account; eligible Kotak RuPay credit cards can be separately linked for merchant UPI. |
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| Registration | Link an eligible Axis account using the registered mobile/device flow in open or a participating UPI app. Axis migration material confirms active debit-card/account-holder requirements for migrated accounts; generic eligibility remains account/app dependent. | Create/link the UPI ID/VPA against the eligible Kotak account using the registered mobile/device journey and set the UPI PIN. Newly linked RuPay credit cards follow a separate card-linking and UPI-PIN flow. |
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| Authentication | Ordinary account-funded UPI uses the UPI PIN and device/account security controls. UPI Lite transactions on an enabled app do not require the UPI PIN; RuPay credit-card UPI uses its own 6-digit UPI PIN rather than the 4-digit card PIN. | Account-funded UPI uses the UPI PIN. Kotak states that card-funded UPI uses a UPI PIN distinct from the credit-card PIN; the current RuPay FAQ says UPI PIN change for the linked card is not presently available through that flow. |
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| Standard limits | Current Axis UPI terms: up to ₹1,00,000 per transaction when funding from an Axis Bank account. Other-bank accounts may use different issuing-bank limits; the engine does not turn this per-transaction statement into an unsupported universal Axis daily ceiling. | ₹1 lakh maximum daily UPI transfer is consistently stated, but current bank pages differ on transaction count: Scan & Pay says 10 transactions/day while the BHIM UPI FAQ says up to 20/day. Gallery-uploaded QR is limited to ₹2,000 per transaction on the reviewed Scan & Pay page. |
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| Security cooling | Migration-specific evidence: newly re-registered migrated Citi accounts were limited to ₹5,000 in the first 24 hours on Android and ₹25,000 over the first 120 hours on iOS (₹5,000 per 24 hours). Because that source is migration-specific, generic Axis registrations follow live app/bank controls unless separately documented. | Current Kotak help: transactions are restricted to ₹5,000 during the first 24 hours after UPI registration. |
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| UPI Lite | Axis terms explicitly recognize UPI Lite without UPI PIN but contain legacy ₹500 wording plus 'or as prescribed by NPCI'. Current RBI/NPCI controls are used: ₹1,000 per Lite transaction and ₹5,000 maximum stored balance, subject to any lower live app restriction. | Kotak's April 2026 first-party educational guidance reflects the current system framework—₹1,000 per Lite transaction and ₹5,000 wallet balance with Auto Top-Up. Because that is educational rather than a channel entitlement page, the profile does not claim every Kotak UPI app/version exposes Lite. |
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| RuPay credit-card UPI | Axis's current credit-card MITC requires the registered card mobile number and a separate 6-digit UPI PIN; only eligible RuPay P2M flows are allowed. P2P, P2PM, cash withdrawal, digital-account-opening, lending, eRUPI, IPO, foreign inward remittance and mutual-fund categories are excluded, and existing UPI plus card limits both apply. | Kotak RuPay credit-card UPI permits merchant P2M, not person transfers/receipts. Current bank FAQ states ₹1 lakh/day per card, ₹2 lakh/day for specified special cases, subject to available credit; first 24 hours after linking are capped at ₹5,000. P2P/P2PM, cash withdrawal, digital account opening, lending, eRUPI, IPO, foreign inward remittance and mutual funds are restricted. |
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| AutoPay / mandates | Axis migration material confirms UPI AutoPay/recurring mandates. Mandates are stored separately from one-off transfers because authorization, recurrence, pause/revoke and merchant/use-case rules differ. | Kotak exposes UPI AutoPay management and merchant UPI mandate create/modify/revoke/execute/notification/history capabilities. A mandate's own recurring authorization is not treated as the ordinary P2P transfer limit. |
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| Failure / recovery | UPI/card-funded disputes can be raised with Axis or the UPI app used for the transaction. Device changes can require re-registration, and the prior device can be deregistered for linked card-on-UPI access. | Kotak provides in-app transaction history/dispute support and UPI block/unblock help. Re-registration after mobile changes and linked-card issues should follow the current bank/app flow rather than assuming prior device credentials persist. |
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