Performing a UPI (Unified Payments Interface) Transaction
Customer enters his Virtual Payment Address (VPA) and proceeds to pay. Note: Virtual payment address (VPA) is a user-generated unique identifier for each bank account. All payment addresses are in the format abc @bank, where abc can be chosen by the customer.
A payment collection request for the transaction amount is sent to the customer on this VPA.
Customer will receive a mobile notification in their UPI app prompting him to authenticate the transaction with his 4 digit MPIN (Mobile Banking password)
Customer accepts the transaction and the payment is complete.