UPI Can Process a Billion Transactions a Day: RBI Governor

The Unified Payments Interface (UPI) has been a game-changer in the Indian payments landscape since its launch in 2016. According to the Reserve Bank of India (RBI) Governor, Shaktikanta Das, UPI can now process a billion transactions a day.

In this article, we will explore UPI’s journey, its current capabilities, and its future potential.

What is UPI?

UPI is a real-time payments system developed by the National Payments Corporation of India (NPCI). It allows users to transfer funds between bank accounts instantly using a virtual payment address (VPA) or mobile number. The UPI infrastructure is built on top of the Immediate Payment Service (IMPS) platform, which allows for fast and secure transactions.

UPI’s Journey

UPI was launched in 2016 with 21 participating banks, and it has grown significantly since then. In just four years, the number of banks on the UPI network has grown to over 200. According to NPCI, UPI processed over 2 billion transactions in February 2021 alone, with a total value of over INR 4 trillion.

UPI’s Current Capabilities

The recent announcement by the RBI Governor, Shaktikanta Das, that UPI can process a billion transactions a day is a significant milestone for the platform. UPI’s current transaction limit is INR 1 lakh per transaction, and users can make up to 20 transactions per day. The platform has also introduced several features such as UPI AutoPay, which allows users to set up recurring payments, and UPI Mandate, which enables users to pre-authorize transactions.

UPI’s Future Potential

UPI’s growth trajectory has been impressive, and it shows no signs of slowing down. NPCI has plans to expand UPI’s capabilities beyond payments to include services such as credit, insurance, and investments. The introduction of UPI 2.0 in 2018 introduced new features such as overdraft facilities and one-time mandates, and NPCI has already announced plans for UPI 3.0.


UPI has transformed the way Indians make digital payments, and it has become an integral part of the country’s payments infrastructure. The recent announcement by the RBI Governor that UPI can process a billion transactions a day is a testament to the platform’s scalability and potential. As UPI continues to grow, it will be exciting to see how it evolves and what new capabilities it brings to the table.

Effortlessly Accept Payments from Clients with UPILinks

As a business owner or freelancer, one of the most important aspects of your work is getting paid for your services. While traditional payment methods like checks and credit cards have been popular for years, there’s a new player in town that’s making it easier than ever to accept payments from clients: UPI apps like Bhim UPI, PhonePe, Google Pay, and more.

But how do you make the most of these apps and ensure that your payment process is as smooth as possible? That’s where UPILinks comes in.

UPILinks is a 24/7 government-approved direct payment method that allows you to accept payments from clients with ease, without any fees. Here are some of the key benefits of using UPILinks:

  1. Maximize Your Savings: With UPILinks, you can eliminate payment gateway taxes and save an estimated 2-3% on commissions each year. This means more money in your pocket and less spent on fees.
  2. Effortless Payment Sharing: UPILinks makes it simple to share your payment link on various platforms, including Instagram, Facebook, WhatsApp, SMS, websites, and more. This means that your clients can easily pay you without any hassle or confusion.
  3. Free UPI Payment Link: UPILinks offers a free UPI payment link that you can use to accept payments from clients. This link is easy to set up and can be customized to match your brand or personal style.

Overall, UPILinks is a powerful tool for any business owner or freelancer who wants to streamline their payment process and maximize their savings. So why wait? Upgrade your payment process today with UPILinks and start accepting payments from clients with ease.

Upilinks App Server Upgrade Notice – Completed

update: 4.10PM IST

Hello Upilinks app users,

We are happy to inform you that our server upgrade is complete and our app is back online. You can now resume using the app and enjoy the enhanced speed and stability.

We thank you for your cooperation and support during the downtime. We apologize for any inconvenience this may have caused and we hope you will love the new and improved Upilinks app.

If you encounter any issues or have any feedback, please let us know at [email protected]


update: 3.30PM IST

Hello Upilinks app users,

We are excited to announce that we are upgrading our server to provide you with a faster and more reliable experience. This upgrade will require us to temporarily shut down our app for about 15 minutes.

The scheduled downtime will start at 3:45 PM IST today (March 7, 2023). During this time, you will not be able to access the app or any of its features. We apologize for any inconvenience this may cause and we appreciate your patience and understanding.

We hope you will enjoy the improved performance and functionality of our app once the upgrade is complete. Thank you for choosing Upilinks as your preferred app for linking up with people who share your interests and passions.

If you have any questions or concerns, please feel free to contact us at [email protected]


The Upilinks Team

Maintenance complete!

update: 04-Mar- 2023 6.40PM: bugs fixed

update: 04-Mar- 2023 6.25PM IST: As of the current moment, we are actively working on maintenance for the UpiLinks app to ensure that it continues to provide a seamless and hassle-free experience for all its users.

The UpiLinks app is an essential tool for many people, providing a convenient way to transfer money, pay bills, and conduct other financial transactions. However, like any app, it requires regular maintenance to ensure that it continues to function smoothly.

At the moment, our team of developers and engineers is working hard to address a few issues that have arisen in the app. These issues include bugs, glitches, and other technical problems that may have affected some users.

We understand how frustrating it can be when an app isn’t working as it should, which is why we’re doing everything we can to address these issues as quickly as possible. Our team is working around the clock to test and debug the app, ensuring that it meets the high standards that our users have come to expect from us.

While we can’t promise an exact timeline for when the maintenance will be completed, we can assure you that we’re working as quickly as we can to get things back up and running. In the meantime, we appreciate your patience and understanding as we work through these issues.

If you’re experiencing any problems with the UpiLinks app, please don’t hesitate to reach out to our customer support team. They’re available to assist you with any issues or questions you may have, and they’ll do their best to provide you with the support you need.

We’re committed to ensuring that the UpiLinks app remains a reliable and efficient tool for all its users, and we appreciate your support as we work to achieve this goal. Thank you for your understanding, and we look forward to providing you with an even better UpiLinks experience in the future.

Upilinks: The UPI Payment Link Generator App

With the rise of digital transactions, it is crucial to have an efficient and user-friendly platform for making payments. The Upilinks app, available on the Google Play Store, offers just that.

Upilinks is a unique UPI payment link generator app that enables you to create a UPI payment link and share it with others for seamless transactions. The app is easy to use and helps you simplify the payment process. All you need to do is link your UPI ID and create a payment link.

Some of the key features of Upilinks include:

  1. Easy link creation: You can create UPI payment links in a matter of seconds, without any hassle.
  2. User-friendly interface: The app has a simple and intuitive interface, making it easy for users to create and share links.
  3. Secure transactions: All transactions made through Upilinks are secure and encrypted, ensuring the safety of your personal and financial information.
  4. Multi-bank support: The app supports multiple banks and UPI IDs, so you can use it with any bank account linked to your UPI ID.
  5. Customizable links: You can create custom links and set your own payment amounts for each link, making it convenient for both you and the recipient.

In conclusion, Upilinks is a must-have app for anyone looking to simplify their payment process and make seamless transactions through UPI. Download the app now from the Google Play Store and experience hassle-free payments.

Step-by-Step Guide: Using Upilinks App for UPI Payments

UPI (Unified Payments Interface) is a digital payment system that enables instant money transfer between two bank accounts using a mobile device. Upilinks is an android app that allows users to create UPI payment links, which can be shared with others for easy and secure money transfers. In this guide, we will show you how to create free UPI payment links with the Upilinks app.

Step-by-step guide on how to create free UPI payment links with Upilinks app:

  1. Download and install the Upilinks app from the Google Play Store.
  2. Open the app and sign in with your mobile number.
  3. Select the bank account you want to create the payment link for.
  4. Enter the amount you want to collect and add a description for the payment link.
  5. Share the payment link with the person you want to collect the payment from.

Tips on using Upilinks app for UPI payments:

  • You can create multiple payment links for different amounts and purposes.
  • You can view the status of your payment links and track who has made the payment.
  • You can also use Upilinks to make payments to others by scanning their UPI QR code.

Conclusion: Upilinks is a simple and efficient way to create UPI payment links for easy and secure money transfers. With this guide, you now know how to use the Upilinks app to create free UPI payment links and manage your UPI payments. Give it a try and experience the convenience of UPI payments with Upilinks.

Creating UPI Links for Your Business in India: A Step-by-Step Guide

Introduction: UPI, or Unified Payments Interface, is a digital payment system that allows for seamless and secure financial transactions in India. As more businesses and consumers are turning to digital payments, it’s important to understand how to use UPI and create UPI links. This guide will walk you through the process of setting up a UPI link using upilinks.in, as well as provide best practices for using UPI links for digital transactions.

Setting up a UPI Link: To create a UPI link, you’ll first need to register for a UPI ID. This can be done through your bank’s mobile app or by using a UPI-enabled app like BHIM or Google Pay. Once you have a UPI ID, you can use upilinks.in to generate a link. Here’s a step-by-step guide:

  1. Go to upilinks.in
  2. Click on “Create UPI Link”
  3. Enter your UPI ID
  4. Choose a name for your link (this will be the name that appears when someone makes a payment to you)
  5. Click “Create Link”
  6. Share your link with customers, clients, or anyone else you want to receive payments from

Using UPI Links for Digital Transactions: Once you have a UPI link, you can start using it to receive payments. Here are some best practices for using UPI links:

  1. Make sure to clearly display your UPI link on your website or social media profiles
  2. Test your link before sharing it with others to ensure it’s working properly
  3. Keep track of payments made through your UPI link
  4. Consider offering incentives for customers who use your UPI link to make payments
  5. Be sure to keep your UPI ID and link updated to prevent any interruption of service.

The Battle of the Payment Titans: UPI vs Crypto

Cryptocurrency and UPI (Unified Payments Interface) are two distinct digital payment methods that have seen a surge in popularity in recent times. Cryptocurrency, such as Bitcoin and Ethereum, is a decentralized digital currency that utilizes blockchain technology to record transactions, which are verified and recorded on a public ledger, thus making them secure and transparent. One of the main benefits of using cryptocurrency for payments is that it is not controlled by any government or financial institution, allowing for transactions to be made without intermediaries and quickly.

UPI, on the other hand, is a digital payment system developed by the National Payments Corporation of India that enables instantaneous money transfers between two bank accounts on a mobile platform. It allows for peer-to-peer transactions, bill payments, and other banking transactions via a virtual address, eliminating the need for bank account details. UPI has revolutionized the Indian payments space but it lacks the security provided by cryptocurrency payments.

In summary, both cryptocurrency and UPI payments have their own unique advantages and disadvantages. Cryptocurrency payments provide greater security and transparency but are not widely accepted as a form of payment and can experience volatility in value. On the other hand, UPI payments are widely accepted in India and easy to use, but not as secure as cryptocurrency payments. As technology continues to advance, we can anticipate more integration and acceptance of both types of digital payments in the future.

The Ultimate Guide to Making UPI Payments with Your Credit Card

Unified Payments Interface (UPI) is a revolutionary payment system developed by the National Payments Corporation of India (NPCI) to enable fast and secure digital transactions in India. With UPI, you can easily transfer funds, pay bills, and make other financial transactions using your mobile device.

One of the most convenient features of UPI is the ability to link your credit card to a UPI-enabled mobile wallet or banking app, allowing you to make UPI payments using your credit card. In this article, we will explain the process of linking your credit card to a UPI app and how to make UPI payments using your credit card.

Steps to Link Your Credit Card to a UPI App

  1. Download a UPI-enabled mobile wallet or banking app that supports credit card payments. Some popular examples include Google Pay, Paytm, and PhonePe.
  2. Register on the app and link your credit card to it. This can typically be done by providing your card details and completing a verification process.
  3. Once your credit card is linked, you can use it to make UPI payments by selecting the “UPI” or “Payments” option in the app.

How to Make UPI Payments Using Your Credit Card

  1. Select the “UPI” or “Payments” option in the app.
  2. Enter the recipient’s UPI ID or scan their QR code to initiate the payment.
  3. Confirm the payment details and use your linked credit card to complete the transaction.

Potential Fees and Restrictions

It’s important to check with your bank and the mobile wallet app you’re using for any fees or restrictions associated with using a credit card for UPI payments. Some apps may charge additional fees for credit card payments, while others may have restrictions on the amount you can transfer or the number of transactions you can make.


UPI is a convenient and secure way to make digital payments in India, and linking your credit card to a UPI app makes it even more convenient. By following the steps outlined in this article, you can easily link your credit card to a UPI app and make UPI payments using your credit card.

A[Download UPI-enabled mobile wallet or banking app]-->B[Register on the app]
B-->C[Link your credit card to the app]
C-->D[Select "UPI" or "Payments" option in the app]
D-->E[Enter recipient's UPI ID or scan QR code]
E-->F[Confirm payment details and use linked credit card to complete transaction]

What is UPI payment system?

UPI payments, short for Unified Payments Interface, is a real-time payment system developed by the National Payments Corporation of India (NPCI). The system was launched in 2016 as a way to facilitate inter-bank transactions and allow for the easy transfer of funds between different banks using a mobile phone.

UPI payments work by using a virtual payment address (VPA) to link a person’s bank account with their mobile phone number. This allows for easy transactions without the need to share sensitive information such as bank account numbers or IFSC codes.

One of the key advantages of UPI payments is its convenience. Users can make transactions at any time, from anywhere, and do not need to visit a bank branch or ATM. Additionally, UPI is secure and fast. Transactions are done in real-time, and the system uses two-factor authentication to ensure the security of the transaction.

UPI payments can be used for a wide range of transactions, including P2P (peer-to-peer) transfers, bill payments, and mobile recharges. The system is also integrated with various e-commerce platforms, allowing for easy online payments.

In recent years, UPI has seen a significant increase in popularity in India. According to data from NPCI, the number of UPI transactions has grown from 2.6 million in August 2016 to over 2.5 billion in October 2020. This growth is attributed to the ease of use and increasing awareness about the benefits of UPI payments among the Indian population.

In conclusion, UPI payments are a revolutionary way of making transactions, which offer benefits like easy, secure, and fast transactions. The system’s growing popularity, thanks to the ease of use, is a clear indication of the future of payments in India.