Due to changes in technological environment of banking sector on India payment system of banking sector transform on online money transfer. Different payment getaway defines for online payments. Unified Payments Interface (UPI) is a system that empowers and connect multiple bank accounts into a single mobile application (of any participating bank), merging several banking features, seamless fund routing and merchant payments into one hood. It also caters to the “Peer to Peer” collection request, which can be scheduled and paid as per requirement and convenience.

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Keywords: Digital Infrastructure, UPI, Online Payments, Merchant Payments, Banking Sector.