How UPI Payment System Work ?

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You add your bank account in Google Pay or any payment app

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Google pay is a payer app. your bank is issuing bank, main Role of NPCI

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npci is Works between bank and payment apps

upi full form - unified payment interface

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As you pay by card, then Visa card and master card work, in the same way it works. NPCI

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As soon as you enter the app upi pin, NPCi contacts your bank. bank chack money available or not

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NPCI Takes money from your bank and deposits the money in the merchant's bank

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The bank will accept the money and notify it back to NPCI

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and NPCI notifies payer app again then message comes in your phone that payment is successful and payment credit to merchant account