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Verification point one: check the app’s installed details in Android (Settings → Apps → App info vivo pkl matches ) to confirm the publisher/developer matches the official SBI/YONO entity
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Decide based on the matched status: if both the rail (UPI/card gateway) and Yono SBI show completion, pending should not persist—reopening the app and refreshing transaction history may update it

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Finish setup and validate it works (what to check in-game) This depends on provider/version, so the in-app labels below should be treated as the common pattern vivo pkl matches and confirmed on screen
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After successful sign-in, the home dashboard should load without repeated verification prompts

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