What is APL in UPI?

APL in UPI stands for Amazon Pay (India) Private Limited, which is a recognized Third-Party Application Provider (TPAP) authorized by the National Payments Corporation of India (NPCI). It operates on the UPI infrastructure to facilitate digital payments. When you use this service, your UPI ID often ends with handles like @apl, indicating that the transaction is being processed through their platform. As a TPAP, it works in partnership with PSP banks to provide secure and seamless peer-to-peer and merchant payment services to users across India.