Parchi

A UPI app that hands you a paper receipt, the way a shopkeeper actually does.

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Parchi

Choose your language

You can change this any time in Settings.

Your mobile number

Use the number your bank has on file. UPI matches your account to this number.

+91
Indian mobile numbers start with 6, 7, 8 or 9.
We never store your number without your bank confirming it first.

Verifying your SIM

Your phone is sending one encrypted SMS. That is how UPI checks the SIM and the handset really belong to you. There is no code for you to type.

One standard SMS charge from your operator. Keep the app open.

What's your name?

This becomes your UPI display name, the one people see before they pay you.

Match it to your bank account exactly. A mismatch is what triggers a fraud warning for people paying you.

Lock the app

A passcode just for opening Parchi. This is not your UPI PIN. You will set that with your bank in a moment.

Choose your bank

The one holding the account linked to this number.

Looking for your accounts

Asking your bank which accounts are linked to this number.

Set your UPI PIN

Your bank confirms it is you using your debit card. These digits go to the bank, and Parchi never sees them.

No expiry printed on your card? Most banks accept 00/49.

You’re set

Your UPI ID is arihant.j@parchi. Scan any QR code and you will get your first parchi.

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Quick actions
Recent transactions
Money moves bank to bank. Parchi never stores your UPI PIN.
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Scan any UPI QR

Align the QR inside the frame

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AC
Amiya Chaturvedi
8756683863@parchi
₹0
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Parchi No. 4471 / 0812
₹0
Paid to Amiya Chaturvedi
To8756683863@parchi
FromHDFC Bank •• 4471
Transaction IDT2508121447PCH
Time12 Aug, 9:41 AM
StatusSuccess
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Khata
You'll get₹0
You owe₹0
Nothing on the khata
Add what someone owes you, or what you owe them.
A khata is a note to yourself. Nothing here moves money until you say so.
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History
No transactions match Try a name, an amount, or a word from a note.
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Notifications
Today
Payment to Swiggy failed ₹420 left your account and is coming back. Open it to see the date your bank has to return it by. 9:12 AM
₹1,200 received from Rahul Sharma Credited to HDFC Bank •• 4471 8:47 AM
Yesterday
BESCOM bill due in 3 days ₹1,860 · Pay before 15 Aug to avoid a late fee. Yesterday, 6:20 PM
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Devices

Every phone your Parchi account is signed in on. Removing one signs it out and it has to register again from scratch, SIM check included.

Removing a device cannot move money on its own. Your UPI PIN is set with your bank, not with Parchi, and it is unchanged.
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Settings
Security
Notifications
Your UPI PIN is set with your bank. Parchi never sees the digits, on this screen or anywhere else.
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Language

Sixteen scripts are listed. This build's content only runs in English, and picking another one says so rather than pretending to switch.

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Manage account
Profile
The number is set with your bank. Change it there, and Parchi picks it up automatically.
Leaving
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Rewards

Three scratch cards from your last few UPI payments. Tap one to reveal it.

Already claimed · ₹40 this month
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Refer & earn

Invite a friend to Parchi. You both get ₹100 when they make their first payment.

Your code ARIHANT100
3invited
₹300earned
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Get help
Common questions
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Statements

A PDF for each month, built from your history. Downloads stay on this device.

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UPI IDs

One per bank account, made automatically. People pay these, never your account number.

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Autopay & mandates

Standing instructions that debit automatically. Cancel one any time; the merchant is told immediately.

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Cards

For paying bills directly by card. Parchi does not lend, so there is no credit line here - just a way to pay.

HDFC Bank •• 4471
Enter UPI PIN
to check your balance
₹0
Asking your bank to authorise
Don't close the app
Available balance
HDFC Bank •• 4471
₹••,•••.•• ₹24,850.00
Verified with HDFC Bank via UPI
Your QR code
Safe to share. This can only receive money
Your UPI QR code
arihant.j@parchi
Send money
Pick a recent contact or enter a UPI ID
Pay from
Choose which linked account to use
Add to khata
A note to yourself. It does not move any money.
Share this parchi
This is exactly what they will see
Payment proofs get forwarded. The reference is enough to prove it. Your account number and their UPI ID are not, so they stay off the copy you send.
Remind them
This is exactly what they will get
AJ Arihant now
—
Pay Not right now
It comes from Parchi, not from you, and it carries a way to say no. Nobody is put on the spot.
Report a problem
₹340 to Zomato