Abstract

The Unified Payment Interface (UPI) is a digital method of payment. While credit and debit cards are in operation since a long time, the usage is not much. With easy and cheaper access to internet various applications have been launched to enable safe and simple way to send and receive money. These applications are now gaining popularity. The Government also launched its own application BHIM for this purpose. Ease of operation is the most common reason for using these applications or apps as they are commonly known. However still not many people are using it for cashless payment.