Very simply put, the Unified Payments Interface is a set of common APIs (i.e., a software middleman) that provides two services — pay (push), and collect (pull). It enables these two operations using something called the Virtual Payment Address (explained below) of each transacting party.
Every customer making or receiving a UPI payment interacts with three key entities — the UPI application on their phones, the Payment Service Provider (PSP) and their Bank. The PSP and the Bank themselves interact with the UPI APIs which are hosted and maintained by the National Payment Corporation of India (NPCI).
National Payment Corporation of India (NPCI) had developed Unified payment Interface (UPI) , a single interface across multiple bank accounts .UPI is a Single click Two Factor authentication system, available round the clock.UPI uses Virtual ID which is very secure.
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