Interoperability in UPI

byDilip PrasadLast Updated: July 11, 2025

Definition

Interoperability in UPI refers to the ability of different UPI apps and banks to work together seamlessly for sending, receiving, and requesting payments.

How It Works

Users can use any UPI app to scan QR codes from other apps. For example, a merchant using the Paytm app can accept payments from customers using any other UPI app.

Benefits

  • Promotes freedom of choice
  • Reduces friction in digital payments
  • Encourages wide adoption of UPI

The definition of UPI interoperability is key to making India’s digital payment infrastructure more efficient and user-friendly.

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