What is a UPI payment gateway?

A UPI payment gateway is a digital interface that enables businesses to accept real-time, bank-to-bank payments through the Unified Payments Interface network. Developed by the National Payments Corporation of India (NPCI), it acts as a secure bridge between a merchant and a customer’s bank account. It facilitates transactions using a Virtual Payment Address (VPA) or QR codes, eliminating the need for sensitive bank details. This system ensures instant settlement, 24/7 availability, and high security via two-factor authentication for seamless digital commerce.