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Universal Payment Interface (UPI) is an instant real-time payment system developed by the National Payments Corporation of India to facilitate inter-bank transactions. It also allows users to make in-app and in-store payments by QR codes.

It supports all Indian banks and is available on all major mobile platforms. UPI is built over the Immediate Payment Service (IMPS) infrastructure and allows users to send and receive money with a single identifier such as a mobile number or a unique payment address.

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