UPI

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UPI

UPI or “Unified Payment Interface” has been taken up by NPCI (National Payments Corporation of India) as a new initiative to simplify and provide a single interface across all NPCI systems, thereby creating interoperability and superior customer experience. UPI is expected to further ease instant payments via Mobile, Web and other applications. Unlike typical payment systems, UPI is innovative and unique in a way that one can identify a beneficiary customer by Virtual Payment address (VPA) in addition to regular bank account number and bank IFSC code. UPI is much more simplified and user-friendly than IMPS. Also, UPI is more secure than IMPS, as UPI enables the customers to perform transactions without sharing sensitive credentials.