Can I make payments through BHIM to merchants who do not have a UPI ID?

Yes, you can make payments through BHIM (Bharat Interface for Money) to merchants who do not have a UPI (Unified Payments Interface) ID. BHIM provides multiple options for initiating payments, including:

1. UPI ID: If the merchant has a UPI ID, you can enter their UPI ID (such as merchant@upi) in the BHIM app to make the payment.

2. Mobile Number: You can use the mobile number of the merchant to make the payment. In this case, BHIM will send a payment request to the merchant's registered mobile number, and they can accept the payment using their UPIenabled app.

3. QR Code: Many merchants display a QR code that contains their UPI payment information. You can scan the QR code using the BHIM app to initiate the payment.

By utilizing these options, you can make payments to merchants who may not have a UPI ID directly, ensuring a convenient and secure transaction experience.