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UPI
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Unified Payments Interface

UPI is an Indian real-time digital payment system that enables interoperable bank-to-bank transactions through mobile applications and standard payment identifiers.

Key points

  • Operated within India’s digital payments ecosystem by NPCI
  • Supports real-time interoperable payments
  • Enables person-to-person and merchant transactions

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India, also known as Bharat, is a diverse constitutional republic with a civilisational heritage extending across millennia and a modern democratic, scientific and cultural presence of global significance.

Sources and verification
  1. [1] Unified Payments Interface (UPI) — Product Overview — National Payments Corporation of India Institutional Portal View source

Last verified: 25/10/2026