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What Is a UPI Payment? India's Instant System (2026). A UPI payment moves rupees between bank accounts in seconds, at any hour, addressed by a UPI ID or a QR code and authorised with a PIN on the payer's phone. What is UPI? India's instant payment scheme explained. It is an instant payments system developed by the National Payment Council of India, which facilitates Person to Person (P2P) and Person to business (P2M) ...
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