UPI Payment Services

Comprehensive Payment Solutions Across Every Transaction Type

UPI connects multiple bank accounts to a single mobile application, enabling instant transfers using Virtual Payment Addresses without exposing sensitive account numbers or banking credentials.

Explore UPI Benefits

Real-Time Banking Without Traditional Barriers

Transactions process instantly every day of the year without banking hour restrictions, allowing immediate money transfers, bill payments, and merchant transactions whenever needed through connected smartphones.

Instant Transfers

Instant Money Transfers

NPCI infrastructure provides military-grade encryption with mandatory two-factor authentication and secure UPI PIN protection, ensuring every transaction remains protected against fraud and unauthorized access throughout processing.

Security Features

Real-Time Bill Payments

Over 300 participating banks and millions of merchant acceptance points create India’s largest unified payment network, serving individuals, businesses, and government organizations through standardized protocols and infrastructure.

Real-Time Payments

Merchant QR Payments

A single UPI interface manages peer-to-peer transfers, merchant QR payments, bill settlements, and automated recurring mandates, replacing the need for multiple payment applications or traditional banking visits.

24/7 Availability

Recurring Payment Mandates

Zero fees apply to person-to-person UPI transfers while merchant transactions incur minimal charges, making digital payments economically accessible across all income segments throughout urban and rural India.

Complete Payment Ecosystem

UPI enables instant money transfers across 300 plus banks using secure mobile technology

Virtual Payment Addresses function as payment identifiers linked to bank accounts, protecting privacy by eliminating requirements to share account numbers, IFSC codes, or confidential banking information during any transaction.

Peer-to-Peer Transfers

QR code scanning enables instant payment acceptance for small vendors and businesses without expensive point-of-sale equipment or technical expertise, democratizing merchant payment capabilities nationwide.

Bank Account Management

Aadhaar integration and government platform connectivity facilitate direct benefit transfers, welfare subsidy payments, and public service transactions, advancing financial inclusion while reducing leakage in distribution systems.

Secure Authentication Systems

UPI applications function effectively on basic smartphones with limited internet connectivity, ensuring rural populations and semi-urban communities participate in digital commerce without requiring premium devices or bandwidth.

Business Payment Solutions

Customizable transaction limits accommodate both small daily purchases and substantial business payments, providing spending flexibility while maintaining appropriate security controls tailored to individual and commercial requirements.