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importantSYS.SOURCE: timeseriesofindia.com• 2026-07-11T16:33:42Z

UPI Payment Transaction Architecture and Process Analysis

#upi#payment systems#npci#financial technology#digital payments

The article explains the technical architecture of UPI transactions, detailing the collaboration between apps, payment service providers (PSPs), NPCI, and banks. It highlights the secure, multi-party process that enables real-time payments while emphasizing the central role of NPCI's switch in ensuring transaction reliability.

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