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UPI, or Unified Payments Interface, is a real-time payment system developed by the National Payments Corporation of India (NPCI). It allows users to transfer money between bank accounts using their smartphones. UPI provides a seamless and instant payment experience, enabling users to make transactions 24/7 without any delays. To make a payment through UPI, users only need to know the recipient's UPI ID and can initiate the transfer through their banking app. UPI has gained widespread popularity in India due to its convenience, security, and interoperability among different banks. It has also paved the way for the growth of digital payments in the country, offering a reliable and efficient alternative to traditional payment methods.