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UPI payment service comparison

Bank of Baroda UPI — bob e-Pay vs Canara Bank UPI — Canara ai1Pe

Compare Bank of Baroda UPI — bob e-Pay and Canara Bank UPI — Canara ai1Pe using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.

UPI payment service comparison

Bank of Baroda UPI — bob e-Pay vs Canara Bank UPI — Canara ai1Pe

Compare the two source-backed records without collapsing unlike conditions into a winner score.

Latest underlying reviewSeptember 10, 2026
Bank of BarodaBank of Baroda UPI — bob e-Pay

Bank of Baroda and other supported-bank customers using bob e-Pay who want a detailed UPI limit table, delegated-payment controls and recovery paths rather than generic UPI guidance.

Cost / pricing
The reviewed bob e-Pay material does not model a separate consumer subscription charge for ordinary account-funded UPI. SMS/data, underlying bank/card charges and any applicable card transaction charges remain separate.
Reviewed
September 10, 2026
Evidence
4 bank sources
Open product research
Canara BankCanara Bank UPI — Canara ai1Pe

Canara customers and multi-bank ai1Pe users who want exact P2P, verified-merchant, special-category, Lite, Circle and card-funded limits in one evidence-backed control map.

Cost / pricing
No separate ordinary UPI subscription fee is modeled from the reviewed Canara pages; linked account/card charges, SMS/data and any specialized service tariffs remain separate.
Reviewed
September 10, 2026
Evidence
5 bank sources
Open product research
Compare like with likeThese records share the same product type.
Conditions stay attachedBalance, tenure, channel, relationship and effective-date wording stays visible.
No missing-data inferenceMissing wording never means zero cost or unlimited access.
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bankingreference.info · Comparison research sheet

Bank of Baroda UPI — bob e-Pay vs Canara Bank UPI — Canara ai1Pe

Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/bob-upi-e-pay-vs-canara-upi-ai1pe/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

Answer the questions that can actually change the choice.

Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

01Can your account and device use this UPI service?Check the funding relationship and registration conditions for the named service.

Bank of Baroda UPI — bob e-Pay

Eligible funding source
bob e-Pay can link eligible Savings, Current and OD accounts from banks live on UPI where account mode/mobile requirements are met. UPI Lite, UPI Circle and RuPay-credit-card UPI are separate funding/authority states.
Registration
Register with the same mobile number used by the linked bank account, complete app SMS/mobile verification, create VPA/login PIN, add the eligible account and set UPI PIN using the linked debit-card/issuer authentication flow.

Canara Bank UPI — Canara ai1Pe

Eligible funding source
Canara ai1Pe can link Canara or other UPI-enabled bank accounts. Account-funded UPI, UPI Lite stored value, delegated UPI Circle authority and RuPay-credit-card merchant payments remain separate payment states.
Registration
Download ai1Pe, verify mobile number by SMS, set app passcode, link the eligible bank account and activate using debit card or Aadhaar OTP before setting the UPI PIN.
02Does your payment fit both normal and temporary limits?Check ordinary limits alongside new-user, device or security cooling restrictions.

Bank of Baroda UPI — bob e-Pay

Standard limits
P2P/P2PM and ordinary P2M: ₹1 lakh per transaction and ₹1 lakh/day, 20 transactions/day/account. Specified-MCC P2M: ₹2 lakh per transaction/day. IPO and RBI Retail Direct collect: ₹5 lakh per transaction and ₹15 lakh/day. USSD (*99#): ₹5,000 per transaction/day.
Security cooling
Current table: after setting/resetting UPI PIN and fresh registration/re-verification of device, fund transfer is limited to ₹5,000. The security section describes ₹5,000 for the new user's first transaction; the live app remains controlling if additional risk restrictions apply.

Canara Bank UPI — Canara ai1Pe

Standard limits
P2P: ₹1 lakh per transaction and ₹1 lakh/day, max 20/24h. Verified/special merchant P2M: ₹2 lakh per transaction/day. IPO/Retail Direct: ₹5 lakh per transaction and ₹10 lakh/day. Hospitals/education and tax: ₹5 lakh per transaction/day. QR from gallery: ₹2,000 per transaction / ₹10,000 daily, max 5/day.
Security cooling
New UPI user on any enabled app with Canara remitter: Android first 24 hours up to ₹5,000; iOS first 72 hours up to ₹15,000 total, limited to ₹5,000 in each 24-hour cycle.
03What are the payment costs and recovery conditions?Review costs and the failure or recovery route for the intended payment.

Bank of Baroda UPI — bob e-Pay

Payment / channel cost
The reviewed bob e-Pay material does not model a separate consumer subscription charge for ordinary account-funded UPI. SMS/data, underlying bank/card charges and any applicable card transaction charges remain separate.
Failure / recovery
bob e-Pay provides dispute management/history, real-time/settlement reversals and complaint paths. More than three wrong UPI PIN attempts can cause temporary blocking and repeat failures can require UPI PIN regeneration; device/SIM changes require re-registration.

Canara Bank UPI — Canara ai1Pe

Payment / channel cost
No separate ordinary UPI subscription fee is modeled from the reviewed Canara pages; linked account/card charges, SMS/data and any specialized service tariffs remain separate.
Failure / recovery
Device change/Lite disablement has a defined balance-return process in Canara's Lite terms. Account/app support and UPI dispute/reversal processes apply for failed transactions, while re-registration can trigger the documented cooling state.
Other maintained comparisons for Bank of Baroda UPI — bob e-PayOther maintained comparisons for Canara Bank UPI — Canara ai1Pe
Exact terms

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Banking product terms side by side for Bank of Baroda UPI — bob e-Pay and Canara Bank UPI — Canara ai1Pe
Decision factorBank of Baroda UPI — bob e-PayCanara Bank UPI — Canara ai1Pe
Payment / channel costThe reviewed bob e-Pay material does not model a separate consumer subscription charge for ordinary account-funded UPI. SMS/data, underlying bank/card charges and any applicable card transaction charges remain separate.No separate ordinary UPI subscription fee is modeled from the reviewed Canara pages; linked account/card charges, SMS/data and any specialized service tariffs remain separate.
Eligible funding sourcebob e-Pay can link eligible Savings, Current and OD accounts from banks live on UPI where account mode/mobile requirements are met. UPI Lite, UPI Circle and RuPay-credit-card UPI are separate funding/authority states.Canara ai1Pe can link Canara or other UPI-enabled bank accounts. Account-funded UPI, UPI Lite stored value, delegated UPI Circle authority and RuPay-credit-card merchant payments remain separate payment states.
UPI capabilitiesbob e-Pay supports Send/Collect, QR, account+IFSC, Global UPI, foreign inward remittance, Tap & Pay, UPI Lite, AutoPay, UPI Number, RuPay credit-card linking, transaction-limit setup, disputes and UPI Circle.Canara ai1Pe supports multi-bank UPI, merchant/UPI-number/self transfers, QR, UPI Circle Full/Partial Delegation, AutoPay, spend analytics and UPI Lite. Canara also publishes a detailed category-by-category UPI debit limit table.
UPI / security limitsCurrent bob e-Pay table lists P2P/P2PM and ordinary P2M at ₹1 lakh per transaction/day with 20 transactions per day per account; specified-MCC P2M can reach ₹2 lakh per transaction/day, while IPO/Retail Direct collect requests have separate ₹5 lakh per-transaction and ₹15 lakh daily ceilings.Current Canara table: P2P ₹1 lakh per transaction/day and up to 20 transactions/24h; verified/special-category merchant P2M ₹2 lakh per transaction/day; hospitals/education and tax up to ₹5 lakh; IPO/Retail Direct up to ₹5 lakh per transaction with higher daily caps; RuPay-credit-card P2M has its own ₹2 lakh per-transaction / ₹3 lakh daily line.
Registration eligibilityCustomers of UPI-live banks with an eligible Savings/Current/OD account, active registered mobile/SMS and suitable mode of operation can register. bob e-Pay account linking and UPI PIN setup use the registered mobile and debit-card credentials unless an alternative current authentication method applies.Canara ai1Pe registration verifies mobile by SMS, then links a Canara or other UPI-enabled bank account. Activation can use debit card or Aadhaar OTP before setting UPI PIN; availability still depends on remitter bank/account eligibility.
Payment / funding relationshipbob e-Pay may act as the PSP app while the remitter account is another supported bank. UPI Circle delegates authority from the primary account without transferring ownership, and linked RuPay cards remain separate credit-funded merchant instruments.ai1Pe may be the PSP app even when another bank is the remitter. UPI Circle delegates spending authority without transferring ownership, and Canara's RuPay-credit-card-on-UPI limits are kept separate from deposit-account P2P/P2M limits.
UPI detail

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Type-specific banking comparison terms for Bank of Baroda UPI — bob e-Pay and Canara Bank UPI — Canara ai1Pe
Decision factorBank of Baroda UPI — bob e-PayCanara Bank UPI — Canara ai1Pe
App / channelbob e-Pay, Bank of Baroda's UPI app, can link eligible accounts from UPI-live banks and supports QR, Send/Collect, account+IFSC, Global UPI, Tap & Pay, Lite, AutoPay, RuPay credit cards and UPI Circle.Canara ai1Pe is a multi-bank UPI app supporting Canara and other UPI-enabled bank accounts, with UPI Circle, AutoPay, UPI Lite, merchant payments, analytics and QR flows.
RegistrationRegister with the same mobile number used by the linked bank account, complete app SMS/mobile verification, create VPA/login PIN, add the eligible account and set UPI PIN using the linked debit-card/issuer authentication flow.Download ai1Pe, verify mobile number by SMS, set app passcode, link the eligible bank account and activate using debit card or Aadhaar OTP before setting the UPI PIN.
AuthenticationTwo-factor/device-binding controls apply. bob e-Pay supports UPI PIN for ordinary transactions and current features include biometric/face-authentication paths for selected UPI PIN/transaction journeys; Lite has its own PIN-less small-value state.Ordinary UPI uses UPI PIN plus device/account controls. Canara UPI Lite permits eligible payments up to ₹1,000 without UPI PIN after Lite enablement; delegated/card-funded flows use their own authorization rules.
Standard limitsP2P/P2PM and ordinary P2M: ₹1 lakh per transaction and ₹1 lakh/day, 20 transactions/day/account. Specified-MCC P2M: ₹2 lakh per transaction/day. IPO and RBI Retail Direct collect: ₹5 lakh per transaction and ₹15 lakh/day. USSD (*99#): ₹5,000 per transaction/day.P2P: ₹1 lakh per transaction and ₹1 lakh/day, max 20/24h. Verified/special merchant P2M: ₹2 lakh per transaction/day. IPO/Retail Direct: ₹5 lakh per transaction and ₹10 lakh/day. Hospitals/education and tax: ₹5 lakh per transaction/day. QR from gallery: ₹2,000 per transaction / ₹10,000 daily, max 5/day.
Security coolingCurrent table: after setting/resetting UPI PIN and fresh registration/re-verification of device, fund transfer is limited to ₹5,000. The security section describes ₹5,000 for the new user's first transaction; the live app remains controlling if additional risk restrictions apply.New UPI user on any enabled app with Canara remitter: Android first 24 hours up to ₹5,000; iOS first 72 hours up to ₹15,000 total, limited to ₹5,000 in each 24-hour cycle.
UPI Litebob e-Pay offers UPI Lite, but the bank page still displays legacy ₹500/₹2,000/₹4,000 numbers in its FAQ. Current RBI/NPCI limits are therefore used for current system context—₹1,000 per transaction and ₹5,000 stored balance—while the stale bank copy is surfaced as an evidence conflict rather than silently overwritten.Current Canara terms: ₹1,000 per UPI Lite transaction, ₹5,000 maximum Lite balance and ₹10,000 cumulative daily spend. Lite is an on-device balance enabled from one eligible linked account and does not require UPI PIN for eligible Lite payments.
RuPay credit-card UPIbob e-Pay can link eligible RuPay credit cards from participating issuers. Bank FAQ states credit-card UPI is only for P2M and carries no linking/transaction fee from bob e-Pay; available credit and issuer/UPI restrictions still apply.Canara's current UPI debit table separately lists RuPay credit-card-on-UPI merchant/special-category P2M at ₹2 lakh per transaction and ₹3 lakh/day. Linking uses eligible RuPay card details/OTP and a 6-digit UPI PIN; this card-funded ceiling does not alter P2P account limits.
AutoPay / mandatesUPI AutoPay is supported and mandates can be managed in-app. Recurring instructions remain a separate authorization lifecycle from one-off P2P/P2M limits.Canara explicitly supports UPI Mandate/AutoPay for recurring/future payments and separately documents higher no-additional-factor e-mandate processing for specified merchant categories under current rules.
Failure / recoverybob e-Pay provides dispute management/history, real-time/settlement reversals and complaint paths. More than three wrong UPI PIN attempts can cause temporary blocking and repeat failures can require UPI PIN regeneration; device/SIM changes require re-registration.Device change/Lite disablement has a defined balance-return process in Canara's Lite terms. Account/app support and UPI dispute/reversal processes apply for failed transactions, while re-registration can trigger the documented cooling state.
Wrong-fit risks

Keep each product’s cautions beside the product.

A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.

Bank of Baroda

Bank of Baroda UPI — bob e-Pay

  • After setting/resetting UPI PIN or fresh registration/re-verification of a device, bob e-Pay's current table caps fund transfer at ₹5,000; the bank also describes the new-user first transaction as ₹5,000.
  • Bank of Baroda's current page still contains stale UPI Lite FAQ numbers of ₹500 per payment / ₹2,000 balance / ₹4,000 daily even though the current RBI/NPCI framework is ₹1,000 per transaction / ₹5,000 stored balance. v1.37 flags the conflict instead of publishing stale launch-era limits as current.
  • bob e-Pay UPI Circle Full Delegation is capped at ₹15,000/month and ₹5,000/transaction and applies a 30-minute cooling period after linking; Partial Delegation still requires primary-user authorization via UPI PIN.
Canara Bank

Canara Bank UPI — Canara ai1Pe

  • New UPI registration on any UPI-enabled app using Canara as remitter is currently limited to ₹5,000 for the first 24 hours on Android; iOS has ₹15,000 over the first 72 hours, limited to ₹5,000 in each 24-hour cycle.
  • Canara's general Mobile Banking fund-transfer cap of ₹15 lakh/day is not a UPI limit; v1.37 uses the bank's dedicated UPI debit table instead.
  • Canara's ₹2 lakh/₹3 lakh RuPay-credit-card-on-UPI merchant line is a card-funded P2M rule and must not be reused as the ordinary P2P account limit.
Research tools

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Independent source state

Verify each product from its own bank evidence.

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MethodologyResearch statusMore banking comparisons

First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

Bank of Baroda UPI — bob e-Pay

Reviewed September 10, 2026 · 4 attached first-party sources

  1. Issuer product pagehttps://bankofbaroda.bank.in/digital-products/instant-banking/bob-e-pay
  2. Issuer product pagehttps://bankofbaroda.bank.in/digital-products/instant-banking/bob-e-pay-hello-upi
  3. Issuer product pagehttps://www.rbi.org.in/scripts/RTGS_Notification.aspx?Id=12215
  4. Issuer documenthttps://www.npci.org.in/uploads/NBSL_Press_release_BHIM_Goes_Live_with_UPI_Circle_Full_Delegation_Enabling_Authorised_UPI_Payments_within_set_limits_7b308e643d.pdf

Canara Bank UPI — Canara ai1Pe

Reviewed September 10, 2026 · 5 attached first-party sources

  1. Issuer product pagehttps://www.canarabank.bank.in/pages/mobile-banking
  2. Issuer product pagehttps://canarites.canarabank.bank.in/QR_CANARA/Home/Canaraai1Pe
  3. Issuer product pagehttps://www.canarabank.bank.in/pages/term-and-conditions-upi-lite
  4. Issuer product pagehttps://www.canarabank.bank.in/upi
  5. Issuer documenthttps://www.npci.org.in/uploads/NBSL_Press_release_BHIM_Goes_Live_with_UPI_Circle_Full_Delegation_Enabling_Authorised_UPI_Payments_within_set_limits_7b308e643d.pdf