How to use UPI to make any transaction

While shopping online, you get payment options such as net-banking, credit cards and debit cards. Nowadays, most e-commerce companies also offer unified payments interface to make payments. UPI is a bank account linked instant payment system. If you have a bank account with UPI-enabled member bank and a mobile phone, you can start using UPI. Once you have linked your bank account and created a virtual ID namely name@bankname, you will be able to start using it to make payment on e-commerce websites.