Article Info

Published 30 May 2026

Volume / Issue 2 / Issue 5

Pages 281–289

DOI

10.64823/ijter.2605023

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Open Access Research Article

9 pages PDF

UPI (Integrated Payment Interface) -New Technology of a Digital Payment: A Searching Study

International Journal of Technology and Emerging Research 2026 , 2 (5) , 281–289

10.64823/ijter.2605023

Received: 07 May 2026 Published: 30 May 2026

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Cite this article

APA

MR. PIYUSH (2026). UPI (Integrated Payment Interface) -New Technology of a Digital Payment: A Searching Study. International Journal of Technology and Emerging Research, 2(5): 281–289. https://doi.org/10.64823/ijter.2605023

MLA

MR. PIYUSH "UPI (Integrated Payment Interface) -New Technology of a Digital Payment: A Searching Study." International Journal of Technology and Emerging Research, vol. 2, no. 5, 2026, pp. 281–289. https://doi.org/10.64823/ijter.2605023

Chicago

MR. PIYUSH. "UPI (Integrated Payment Interface) -New Technology of a Digital Payment: A Searching Study." International Journal of Technology and Emerging Research 2, no. 5 (2026): 281–289. https://doi.org/10.64823/ijter.2605023

BibTeX

@article{MR. PIYUSH2026upi, author = {MR. PIYUSH}, title = {UPI (Integrated Payment Interface) -New Technology of a Digital Payment: A Searching Study}, journal = {International Journal of Technology and Emerging Research}, year = {2026}, volume = {2}, number = {5}, pages = {281–289}, doi = {10.64823/ijter.2605023}, }

Abstract

India witnessed a unique Launchpad for digital payment acceptance via demonetization. Huge emphasis is laid by the Government’s reforms after demonetization on cashless transactions. The effect of demonetization is that there is a phenomenal surge in digital money payments. Digital Payment Electronic Payment system was not born now from 1980’s, since the I did not see any new technology came and became more popular than other for electronic on line payment Lets define them. In this paper the authors have studied the UPI- Unified Payment Interface method of Digital Payment here will discuss its Architecture, Technologies Concept, Operations and Parties involved in using it; also discussed about its Benefits & Challenges and Different existing UPI Apps.

Keywords: UPI, NPCI, BHIM GPAY, PHONEPAY, TECHENOLOGY.

© 2026 The Author(s). Published by IORO Publications. This is an open-access article distributed under the terms of the Creative Commons Attribution 4.0 International License (CC BY 4.0), which permits use, distribution, and reproduction in any medium, provided the original author and source are credited, a link to the license is provided, and any changes are indicated.