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Unified Payments Interfacenpci.org.in · Low evidenceUPI (Unified Payments Interface) is an instant, real-time payments system developed by NPCI that lets users send and receive funds directly between bank accounts 24/7, using a UPI ID, mobile number, or QR code, with no wallet top-ups required. It combines ease of use with security through two-factor authentication (mobile number linked to the bank and a UPI PIN) and works across all major banks and payment apps for seamless interoperability. In addition to person-to-person transfers, UPI supports merchant payments, bill payments, mobile recharges, and recurring payments via AutoPay, making it a broad platform for digital payments.
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