 bhaaratadaesamloe yekikrita chellimpula inter ‌ phas  (UPI)  antey emti 
 uunified payments inter ‌ phas anede  2016 loo naeshanal payments corparetion af india  (NPCI)  dwara bhaaratadaesamloe praarambhinchabadina piir tu piir chellimpula vyvasta . NPCI  bharatadesa cheyllinpu vyavasthala rupaanni marchadaniki ooka aadesamto praarambhinchabadindhi .  idi aan ‌ Jalor chellimpulanu sulabhatharam cheyadanki praamaanika aplication prograaming inter ‌ phas  (API)  specification ‌ lato koodina arkhitekture frame ‌ varey ‌ gaaa uunified payments inter ‌ phas  (UPI) ni abhivruddhi chesindi .  anni  NPCI  sistom ‌ lalo oche inter ‌ phas ‌ nu saralikrutam cheeyadam mariyu andinchadam deeni lakshyam ,  tadwara inter ‌ operability mariyu atythama customer anubhavanni srushtinchadam .

UPI  ippudu bhaaratadaesamloe athantha praadhaanya cheyllinpu parishkaaraalalo okati ,  prathi nela ooka biliyan lavadhevilu jaruguthai . FY22,  uunited payments inter ‌ phas  (UPI)  plaat ‌ faram dwara prosess cheyabadina motham laavaadhevee viluva bharatadesa  GDP loo  86%  vatanu kaligi Pali . UPI  yokka pradhaana vidhi Banki khaataala Madhya sulabhamaina mariyu surakshitamaina dabbulu badileelaku maddatu ivvadam .  idi oche mobile aplication ‌ loo bahulha Banki khaataalanu jodinchadam dwara oche sdhalam nundi athukulu laeni funded badileelu mariyu viyabari chellimpulanu anumatistundi .  idi  ' piir tu piir '  mariyu  ' piir tu merchant '  sekarana abhyardhanalanu kudaa praarambhistundi ,  vitini shedule cheyavachu mariyu abhyardhinchina vidhamgaa cheyllinchavacchu .

UPI ID, UPI  nambar ,  khatha nambar mariyu eandian financial sistom kood  (IFSC)  upayoginchi chellimpulu cheyavachu .  cheyllinpu bhadrata anede  1- klikk  2- kaarakala pramaaneekarananu upayoginchi vartinche bhartia rijarv Banki  (RBI)  maargadarshakaala prakaaram ,  pramaaneekarana yokka rendava amsham  UPI  pinn .

Android 4.2.2  mariyu  iOS 8.1  mariyu anthakante ekuva variation ‌ l choose sabyulu abhivruddhi chosen app ‌ lato  Android  mariyu  iOS  vento anni pradhaana plaat ‌ faram ‌ lalo  UPI ni yaakses cheyavachu .

 vyaktiki vyaktiki ,  vyaktiki samsthaku mariyu vyaktiki vyaktiki sahaa anni chellimpulaku vyaktigata mobile ‌ nu praadhimika parikaramgaa anumatinchadam  UPI  yokka praadhimika vyapara vupayogalu .  vyaktigata mobile ‌ ni upayoginchi ooka vyakti evarkaina  ' cheyllinchavacchu ' ( push )  alaage  ' sekaristaaru '
 evarainaa  ( laagandi ).  adanamga , VPA ki  ‘ aaliaas ’  ayina  ‘UPI ID lanu ’  upayoginchi chellinche mariyu vasulu chese saamarthyam .  mudava paksham aplication ‌ lu ledha webb ‌ cyte ‌ lalo khatha vivaralu ledha aadhaaraalanu andinchaalsina avsaram lekunda chirunamanu andinchadam dwara chellimpulu cheyadame lakshyam .
 alaage ,  khataloni dabbunu black cheyakundane tarwata teedeeloo cheyllinchadaaniki customer ‌ lanu anumatimchae  ‘ pee by ’  teedeethoo itarulaku  ( vyaktiki vyaktiki ledha samshtha nundi vyaktiki ) ‘ collect ’  abhyardhanalanu pampadam . ECS  maadirigaane ooka - paryaya surakshita pramaaneekarana mariyu niyama - aadhaaritha yaakses ‌ thoo bahulha punaraavruta chellimpulanu  ( utilitylu ,  paatasaala pheejulu ,  sab ‌ scription ‌ lu modalainavi )  pree - authorizing cheyadanki  UPI  anumatistundi . UPI  autope customer ‌ lu vaari  UPI  lavadevila choose punaraavruta chellimpulanu sett cheyadanki anumatistundi .  bhartiya currencylo  2000  rupees varku punaraavruta chellimpulanu kaavalasina frequencylo sett cheyavachu .

 idi vyaktigatamgaa upayoginchi ooka - klikk too - factor authentication ‌ thoo silos mariyu clogead sistom ‌ lu lekunda anni  PSP lalo  UPI ni purtiga inter ‌ operable sistom ‌ gaaa upayoginchi chellimpulanu chesthundu .
 fone ,  mariyu yelanti konugolu parikaraalu ledha bhautika tokenlu lekunda .

 marchi  2023 loo ,  rijarv Banki af india  (RBI)  mariyu manitary atharity af simgapuur  (MAS) UPI  mariyu simgapuur yokka  PayNow  yokka anusandhaanaanni praarambhinchaayi . 2023 loo simgapuur nundi bharatadesaaniki vachey remittances ‌ lu  $100  biliyanla markunu adhigaminchadaaniki trac ‌ loo unnayi ,  idi motham in ‌ bound remittances ‌ lalo  5.7%  vaataato bharatadesaaniki athyadhika remittances cheestunna naalgava deshamgaa marindi . PayNow  mariyu  UPI lanu yekikrutam cheeyadam valana chaarjeelu mariyu atuvanti lavadevila choose patte samayanni tagginchavachhu .