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UPI

UPI is India’s real-time payment rail, run by NPCI. Onboarding binds the UPI app to the device and needs an active SIM linked to the bank account.

Also known as Unified Payments Interface

Glossary, A to Z

That is why SIM binding is already familiar to Indian customers, and why a payment is checked against the SIM and phone bound before it.

Source: NPCI, as of Oct 2026 (opens in a new tab)

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