# UPI — Payment Provider

India's Unified Payments Interface by NPCI enabling real-time interbank transfers via mobile. Processes 10+ billion monthly transactions, the world's largest real-time payment system.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** Indian Instant Payments
- **Fees:** Free for users
- **Fee model:** free
- **Headquarters:** Mumbai, India
- **Founded:** 2016
- **Settlement time:** Instant
- **Sandbox:** yes
- **Webhooks:** yes
- **Categories:** regional
- **Regions:** asia
- **Countries served:** 6 (AE, BT, IN, LK, NP, SG)
- **Payment methods:** bank_transfer, mobile_payment, qr_code, upi
- **Features:** instant-payout, low-fees
- **Platforms:** mobile
- **SDKs:** rest-api
- **API docs:** https://www.npci.org.in/what-we-do/upi/product-overview


**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=upi&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/upi

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)