{"id":12739,"date":"2025-03-31T22:19:30","date_gmt":"2025-03-31T16:49:30","guid":{"rendered":"https:\/\/www.enkash.com\/resources\/?p=12739"},"modified":"2026-01-15T12:16:46","modified_gmt":"2026-01-15T06:46:46","slug":"how-unified-payments-interface-works","status":"publish","type":"post","link":"https:\/\/www.enkash.com\/resources\/blog\/how-unified-payments-interface-works","title":{"rendered":"How Unified Payments Interface Works: Features, Security &#038; Benefits"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"What-is-UPI\"><\/span>What is UPI?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Unified Payments Interface (UPI) is India\u2019s real-time bank-to-bank payment system for instant money transfers through mobile applications. It allows users to <a href=\"https:\/\/www.enkash.com\/upi-payments\">make UPI payments<\/a> using a <a href=\"https:\/\/www.enkash.com\/resources\/blog\/what-is-upi-id\">UPI ID,<\/a> <a href=\"https:\/\/www.enkash.com\/resources\/blog\/what-is-a-qr-code\">QR code<\/a>, or mobile number, without entering account numbers or <a href=\"https:\/\/www.enkash.com\/ifsc-codes\">IFSC codes<\/a>.<\/p>\n<p>UPI supports person-to-person and person-to-merchant transactions and operates 24&#215;7, including weekends and bank holidays. Payments are debited and credited directly between bank accounts in near real time, with instant confirmation in most cases.<\/p>\n<p>The system is operated by the <a href=\"https:\/\/www.enkash.com\/resources\/blog\/what-is-npci-services-of-the-national-payment-corporation-of-india\">National Payments Corporation of India(NPCI)<\/a> and regulated by the Reserve Bank of India, ensuring interoperability, security, and standardization across banks and <a href=\"https:\/\/www.enkash.com\/resources\/blog\/top-upi-apps-in-india\">UPI apps<\/a>.<\/p>\n<p>Transactions are executed using a <a href=\"https:\/\/www.enkash.com\/resources\/blog\/vpa-in-upi-apps\">Virtual Payment Address (VPA)<\/a>, commonly referred to as a UPI ID, which removes the need to share sensitive banking credentials.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How-UPI-Works\"><\/span>How UPI Works<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Unified Payments Interface works by connecting users, banks, and payment apps through a single real-time payment framework. While the user experience is simple, every UPI transaction follows a structured and secure backend process.<\/p>\n<p><strong>At a high level, a UPI payment involves three participants:<\/strong><\/p>\n<ul>\n<li>The payer\u2019s UPI app and bank<\/li>\n<li>The recipient\u2019s UPI app and bank<\/li>\n<li>NPCI\u2019s UPI switch (the central routing system) validates and routes transactions<\/li>\n<\/ul>\n<p>When a user initiates a UPI payment, the request is securely transmitted from the payer\u2019s app to their bank. The bank verifies the request and forwards it to the central UPI switch operated by the National Payments Corporation of India. NPCI validates the transaction details and routes the request to the recipient\u2019s bank for credit.<\/p>\n<p>Once the recipient\u2019s bank confirms the credit, the transaction is completed in real time, and both parties receive instant confirmation. This entire process typically takes only a few seconds, depending on bank and network conditions.<\/p>\n<p>UPI does not store money in wallets; transactions are routed directly between linked bank accounts. Every transaction is executed directly between bank accounts, which removes settlement delays and reduces intermediary risk. Authentication is handled using a UPI PIN, ensuring that only the account holder can authorize payments.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"UPI-Transaction-Flow\"><\/span>UPI Transaction Flow<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A UPI transaction follows a defined, real-time flow that ensures secure and instant movement of funds between bank accounts.<\/p>\n<p><strong>Step-by-step UPI Transaction Flow<\/strong><\/p>\n<ul>\n<li><strong>Payment initiation<\/strong><br \/>\nThe payer initiates a UPI payment by entering the recipient\u2019s UPI ID, scanning a QR code, or selecting a saved contact. The amount and optional remarks are added.<\/li>\n<li><strong>Authentication using UPI PIN<\/strong><br \/>\nThe payer authorizes the transaction by entering the UPI PIN. This step ensures that only the account holder can approve the payment.<\/li>\n<li><strong>Request routing<\/strong><br \/>\nThe payment request is sent from the payer\u2019s UPI app to their bank and then routed through the UPI switch managed by the National Payments Corporation of India.<\/li>\n<li><strong>Debit from the sender\u2019s bank<\/strong><br \/>\nThe payer\u2019s bank verifies the UPI PIN and checks the account balance. Once validated, the amount is debited from the sender\u2019s bank account.<\/li>\n<li><strong>Credit to the receiver\u2019s bank<\/strong><br \/>\nThe transaction request is forwarded to the recipient\u2019s bank, which credits the amount to the beneficiary\u2019s account in real time.<\/li>\n<li><strong>Confirmation and notification<\/strong><br \/>\nBoth the payer and the payee receive instant confirmation through the UPI app and SMS alerts from their respective banks.<\/li>\n<\/ul>\n<h3><b>Failed Transactions and Auto Reversal<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If a UPI transaction fails after the amount is debited but before it is credited to the recipient, an automatic reversal process is triggered. This ensures the debited amount is credited back to the sender\u2019s account, typically within 24 hours, without manual intervention.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This structured flow enables UPI to process millions of transactions daily with speed, accuracy, and reliability.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"UPI-Security-and-Data-Protection\"><\/span>UPI Security and Data Protection<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>UPI is built on a multi-layered security framework designed to protect users, banks, and merchants from unauthorized access and fraud. All UPI transactions follow security standards prescribed by the Reserve Bank of India and implemented across banks and payment service providers by the National Payments Corporation of India.<\/p>\n<h3>Key Security Mechanisms in UPI<\/h3>\n<p><strong>End-to-end encryption<\/strong><br \/>\nAll transaction data is encrypted during transmission, ensuring that sensitive information such as account details and UPI IDs cannot be intercepted or misused.<\/p>\n<p><strong>Two-factor authentication (2FA)<\/strong><br \/>\nEvery UPI transaction requires:<\/p>\n<ul>\n<li>Device binding to a registered mobile number<\/li>\n<li>Authorization through a UPI PIN<\/li>\n<\/ul>\n<p>This ensures that only the account holder can approve payments.<\/p>\n<p><strong>Virtual identifiers (VPA\/UPI ID) <\/strong><br \/>\nUPI uses a Virtual Payment Address (UPI ID) so users can pay without sharing bank account numbers. The bank and UPI system map this identifier securely to the underlying account.<\/p>\n<p><strong>Real-time fraud monitoring<\/strong><br \/>\nUPI transactions are continuously monitored for unusual behaviour such as high-frequency transactions, abnormal values, or unfamiliar locations. Suspicious activity can trigger temporary blocks or additional verification.<\/p>\n<p><strong>Instant alerts and transparency<\/strong><br \/>\nUsers receive immediate notifications for every transaction through app alerts and SMS messages, allowing quick detection of unauthorized activity.<\/p>\n<p><strong>User Safety Guidelines<\/strong><br \/>\nTo maintain security, users should:<\/p>\n<ul>\n<li>Never share their UPI PIN or OTP with anyone<\/li>\n<li>Avoid clicking unknown payment links or QR codes<\/li>\n<li>Use only official UPI apps from trusted sources<\/li>\n<li>Report suspicious activity immediately to their bank or UPI app<\/li>\n<\/ul>\n<p>These security controls ensure that UPI remains one of the safest large-scale digital payment systems in operation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Features-of-UPI\"><\/span>Features of UPI<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Unified Payments Interface offers a wide range of functional features that support everyday payments for individuals and businesses.<\/p>\n<ul>\n<li><strong>Real-time payments<\/strong><br \/>\nUPI transactions are processed instantly between bank accounts.<\/li>\n<li><strong>Multiple payment modes<\/strong><br \/>\nPayments can be made using a UPI ID, QR code, mobile number, or bank account details.<\/li>\n<li><strong>Interoperability across banks and apps<\/strong><br \/>\nUsers can send and receive money across different banks and UPI apps without restrictions.<\/li>\n<li><strong>24&#215;7 availability<\/strong><br \/>\nUPI works round the clock, including weekends and bank holidays.<\/li>\n<li><strong>Single app, multiple bank accounts<\/strong><br \/>\nUsers can link more than one bank account to a single UPI app and choose the account at the time of payment.<\/li>\n<li><strong>Merchant payments without <a href=\"https:\/\/www.enkash.com\/resources\/blog\/pos-machine-costs-and-fees\">POS machines<\/a><\/strong><br \/>\nBusinesses can accept payments using UPI QR codes without investing in card terminals.<\/li>\n<li><strong>Recurring payments and mandates<\/strong><br \/>\nUPI supports automatic payments for <a href=\"https:\/\/www.enkash.com\/subscriptions\">subscriptions<\/a>, utilities, and EMIs through <a href=\"https:\/\/www.enkash.com\/resources\/blog\/what-is-e-mandate\">e-mandates<\/a>.<\/li>\n<li><strong>Overdraft and credit line support<\/strong><br \/>\nUPI allows linking of overdraft accounts and credit lines for eligible users.<\/li>\n<li><strong>Request and collect payments<\/strong><br \/>\nUsers and merchants can send payment requests that the payer approves within the app.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Benefits-of-UPI\"><\/span>Benefits of UPI<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>UPI delivers value to both end users and businesses by simplifying how money moves while keeping transactions secure and real time.<\/p>\n<h3>For Customers<\/h3>\n<ul>\n<li><strong>Instant bank-to-bank transfers<\/strong><br \/>\nMoney moves immediately between accounts without waiting for settlement cycles.<\/li>\n<li><strong>Simple payment experience<\/strong><br \/>\nPayments can be completed using a UPI ID or <a href=\"https:\/\/www.enkash.com\/resources\/blog\/what-is-a-qr-code\">QR code<\/a>, removing the need to remember banking details.<\/li>\n<li><strong>Always available<\/strong><br \/>\nUPI works 24&#215;7, including weekends and holidays, making it suitable for everyday payments.<\/li>\n<li><strong>No dependency on cash or cards<\/strong><br \/>\nUsers can make payments directly from their bank account using just a mobile phone.<\/li>\n<li><strong>Secure transaction authorization<\/strong><br \/>\nEvery payment requires UPI PIN authentication, reducing the risk of unauthorized transactions.<\/li>\n<li><strong>Wide usage coverage<\/strong><br \/>\nUPI can be used for peer transfers, bill payments, online shopping, subscriptions, and in-store purchases.<\/li>\n<\/ul>\n<h3>For Businesses<\/h3>\n<ul>\n<li><strong>Low-cost digital payment acceptance<\/strong><br \/>\nMerchants can accept payments using QR codes without investing in POS machines or card infrastructure.<\/li>\n<li><strong>Instant settlement and improved cash flow<\/strong><br \/>\nPayments are credited directly to the merchant\u2019s bank account in real time.<\/li>\n<li><strong>Reduced cash handling risks<\/strong><br \/>\nDigital payments minimise losses related to theft, counting errors, and reconciliation issues.<\/li>\n<li><strong>Scalable for businesses of all sizes<\/strong><br \/>\nUPI works equally well for small retailers, online businesses, and large enterprises.<\/li>\n<li><strong>Easy integration with online platforms<\/strong><br \/>\nUPI can be offered as a payment option on websites and apps with minimal setup.<\/li>\n<\/ul>\n<p><b style=\"font-size: 48px; letter-spacing: -0.0415625em; font-family: 'Inter var', -apple-system, BlinkMacSystemFont, 'Helvetica Neue', Helvetica, sans-serif;\">How UPI Is Different from IMPS<\/b><\/p>\n<p><span style=\"font-weight: 400;\">UPI and <a href=\"https:\/\/www.enkash.com\/resources\/blog\/imps-meaning-and-full-form-a-comprehensive-guide-to-imps-neft-and-rtgs\">IMPS<\/a> are both instant payment systems in India, but they differ significantly in how users initiate and experience transactions.<\/span><\/p>\n<table class=\"mtr-table mtr-tr-td\">\n<tbody>\n<tr>\n<td data-mtr-content=\"Parameter\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><b>Parameter<\/b><\/div><\/td>\n<td data-mtr-content=\"UPI\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><b>UPI<\/b><\/div><\/td>\n<td data-mtr-content=\"IMPS\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><b>IMPS<\/b><\/div><\/td>\n<\/tr>\n<tr>\n<td data-mtr-content=\"Parameter\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><span style=\"font-weight: 400;\">Payment identifier<\/span><\/div><\/td>\n<td data-mtr-content=\"UPI\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><span style=\"font-weight: 400;\">UPI ID, QR code, or mobile number<\/span><\/div><\/td>\n<td data-mtr-content=\"IMPS\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><span style=\"font-weight: 400;\">Bank account number and IFSC<\/span><\/div><\/td>\n<\/tr>\n<tr>\n<td data-mtr-content=\"Parameter\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><span style=\"font-weight: 400;\">User experience<\/span><\/div><\/td>\n<td data-mtr-content=\"UPI\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><span style=\"font-weight: 400;\">App-based, simplified<\/span><\/div><\/td>\n<td data-mtr-content=\"IMPS\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><span style=\"font-weight: 400;\">Bank-led, relatively manual<\/span><\/div><\/td>\n<\/tr>\n<tr>\n<td data-mtr-content=\"Parameter\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><span style=\"font-weight: 400;\">Authentication<\/span><\/div><\/td>\n<td data-mtr-content=\"UPI\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><span style=\"font-weight: 400;\">UPI PIN<\/span><\/div><\/td>\n<td data-mtr-content=\"IMPS\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><span style=\"font-weight: 400;\">Internet banking or MPIN<\/span><\/div><\/td>\n<\/tr>\n<tr>\n<td data-mtr-content=\"Parameter\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><span style=\"font-weight: 400;\">Interoperability<\/span><\/div><\/td>\n<td data-mtr-content=\"UPI\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><span style=\"font-weight: 400;\">Works across all UPI apps and banks<\/span><\/div><\/td>\n<td data-mtr-content=\"IMPS\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><span style=\"font-weight: 400;\">Limited to bank interfaces<\/span><\/div><\/td>\n<\/tr>\n<tr>\n<td data-mtr-content=\"Parameter\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><span style=\"font-weight: 400;\">Typical use cases<\/span><\/div><\/td>\n<td data-mtr-content=\"UPI\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><span style=\"font-weight: 400;\">Daily payments, merchant transactions, subscriptions<\/span><\/div><\/td>\n<td data-mtr-content=\"IMPS\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><span style=\"font-weight: 400;\">Account-to-account transfers<\/span><\/div><\/td>\n<\/tr>\n<tr>\n<td data-mtr-content=\"Parameter\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><span style=\"font-weight: 400;\">Adoption scale<\/span><\/div><\/td>\n<td data-mtr-content=\"UPI\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><span style=\"font-weight: 400;\">Very high<\/span><\/div><\/td>\n<td data-mtr-content=\"IMPS\" class=\"mtr-td-tag\"><div class=\"mtr-cell-content\"><span style=\"font-weight: 400;\">Moderate<\/span><\/div><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>IMPS focuses on direct bank transfers using traditional banking credentials. UPI builds on the IMPS infrastructure but abstracts the complexity by introducing virtual identifiers and a unified interface across banks and apps.<\/p>\n<p>As a result, UPI is better suited for frequent, small-value, and merchant-facing transactions, while IMPS is commonly used for direct account transfers where UPI is not preferred.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What-is-UPI-20\"><\/span>What is UPI 2.0?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>UPI 2.0 is an enhanced version of the Unified Payments Interface that introduced advanced capabilities to support more structured and secure transactions. It was launched to expand UPI beyond basic money transfers and enable business-grade payment use cases.<\/p>\n<p><strong>Key enhancements introduced with UPI 2.0 include:<\/strong><\/p>\n<ul>\n<li><strong>Overdraft and credit account linking<\/strong><br \/>\nUsers can link overdraft accounts or approved credit lines to UPI, allowing payments even when the primary account balance is insufficient.<\/li>\n<li><strong>Invoice verification before payment<\/strong><br \/>\nMerchants can send invoices directly to the payer\u2019s UPI app. Users can review payment details before authorising the transaction.<\/li>\n<li><strong>Signed QR codes for merchants<\/strong><br \/>\nDigitally signed QR codes ensure payments are made only to verified merchants, reducing the risk of tampered or fake QR codes.<\/li>\n<li><strong>E-mandates for recurring payments<\/strong><br \/>\nUPI 2.0 enables automated payments for subscriptions, EMIs, and <a href=\"https:\/\/www.enkash.com\/resources\/blog\/benefits-of-paying-utility-bill-payment-online\">utility bills<\/a> through pre-approved mandates.<\/li>\n<\/ul>\n<p>These upgrades strengthened UPI\u2019s suitability for merchant payments, recurring transactions, and credit-linked use cases, while maintaining real-time settlement and security.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Unified Payments Interface has fundamentally changed how digital payments work in India. By enabling instant bank-to-bank transfers through a simple, app-based interface, UPI has removed the complexity traditionally associated with electronic payments.<\/p>\n<p>Its real-time processing, interoperability across banks and apps, and strong security framework have made UPI suitable for everyday use by individuals as well as scalable adoption by businesses. From peer-to-peer transfers to merchant payments and recurring transactions, UPI supports a wide range of payment use cases without relying on wallets or delayed settlements.<\/p>\n<p>With continued enhancements such as UPI 2.0 and evolving transaction capabilities, UPI remains central to India\u2019s digital payments infrastructure. Its widespread adoption reflects a shift toward faster, more transparent, and more accessible financial transactions, reinforcing UPI\u2019s role as the backbone of the country\u2019s digital payment ecosystem.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>1. What is UPI?<\/strong><br \/>\nUPI is a real-time payment system that enables instant money transfers between bank accounts using mobile applications.<\/p>\n<p><strong>2. What is a UPI ID?<\/strong><br \/>\nA UPI ID is a unique virtual address used to identify a bank account for UPI transactions, such as name@bank.<\/p>\n<p><strong>3. What is VPA in UPI?<\/strong><br \/>\nVPA stands for Virtual Payment Address. It is the identifier used in UPI to send and receive money without sharing bank account details.<\/p>\n<p><strong>4. What is UPI full form in banking?<\/strong><br \/>\nUPI stands for Unified Payments Interface.<\/p>\n<p><strong>5. What is NPCI?<\/strong><br \/>\nNPCI is the organization that operates UPI and manages retail payment systems in India.<\/p>\n<p><strong>6. Who invented UPI?<\/strong><br \/>\nUPI was developed by the National Payments Corporation of India under the guidance of the Reserve Bank of India.<\/p>\n<p><strong>7. When was UPI launched?<\/strong><br \/>\nUPI was launched in 2016.<\/p>\n<p><strong>8. What is the UPI transaction limit?<\/strong><br \/>\nThe standard daily UPI transaction limit is \u20b91 lakh per user, with higher limits allowed for specific use cases such as IPO applications.<\/p>\n<p><strong>9. What is UPI Lite?<\/strong><br \/>\n<a href=\"https:\/\/www.enkash.com\/resources\/blog\/what-is-upi-lite\">UPI Lite<\/a> is designed for small-value payments and helps reduce dependency on real-time bank connectivity for every transaction. Exact limits and availability can vary by bank and UPI app.<\/p>\n<p><strong>10. What is UPI 2.0?<\/strong><br \/>\nUPI 2.0 is an upgraded version of UPI that introduced features such as invoice verification, overdraft linking, e-mandates, and signed QR codes.<\/p>\n<p><strong>11. How to create a UPI ID?<\/strong><br \/>\nDownload a UPI app, link your bank account using your registered mobile number, and set a UPI PIN to generate a UPI ID.<\/p>\n<p><strong>12. What is a UPI payment?<\/strong><br \/>\nA UPI payment is a real-time digital transaction executed directly between bank accounts using a UPI app.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is UPI? Unified Payments Interface (UPI) is India\u2019s real-time bank-to-bank payment system for instant money [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":12741,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[126],"tags":[695,696,697,698],"class_list":["post-12739","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-receivables","tag-upi","tag-upi-payments","tag-what-is-upi","tag-npci"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How UPI Works: Unified Payments Interface Explained<\/title>\n<meta name=\"description\" content=\"Understand how UPI works, the role of PSPs transaction flows, UPIAR for refunds, and security features like encryption and two-factor authentication.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.enkash.com\/resources\/blog\/how-unified-payments-interface-works\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How UPI Works: Unified Payments Interface Explained\" \/>\n<meta property=\"og:description\" content=\"Understand how UPI works, the role of PSPs transaction flows, UPIAR for refunds, and security features like encryption and two-factor authentication.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.enkash.com\/resources\/blog\/how-unified-payments-interface-works\" \/>\n<meta property=\"og:site_name\" content=\"EnKash\" \/>\n<meta property=\"article:published_time\" content=\"2025-03-31T16:49:30+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-15T06:46:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.enkash.com\/resources\/wp-content\/uploads\/2025\/03\/Unified-Payments-Interface-What-Why-and-How.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Surbhi Mehtani\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Surbhi Mehtani\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.enkash.com\/resources\/blog\/how-unified-payments-interface-works#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.enkash.com\/resources\/blog\/how-unified-payments-interface-works\"},\"author\":{\"name\":\"Surbhi Mehtani\",\"@id\":\"https:\/\/www.enkash.com\/resources\/#\/schema\/person\/78882210fe382aa81367d8fa2bdbea79\"},\"headline\":\"How Unified Payments Interface Works: Features, Security &#038; 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