🏦 Finance & Banking · Sequence
UPI Payment Flow
The steps behind a UPI payment: the payer's app, the payer's bank, NPCI's UPI switch and the payee's bank, from entering a UPI ID to the money arriving.
Drawing diagram…
What this diagram shows
- Payer app sends the request through its payment service provider (PSP) bank
- NPCI's UPI switch resolves the payee and routes debit and credit
- Both parties get a confirmation with a transaction reference
Prompt used
UPI payment sequence: the payer enters a UPI ID and amount in a UPI app and approves with their UPI PIN. The payer's PSP bank sends the request to the NPCI UPI switch, which resolves the payee's VPA with the payee's PSP. NPCI asks the payer's bank to debit the account, then asks the payee's bank to credit it, and both apps show success with a transaction reference.
Mermaid code
sequenceDiagram actor Payer participant App as Payer UPI App participant PSP as Payer PSP Bank participant NPCI as NPCI UPI Switch participant RB as Payer Bank participant PB as Payee Bank actor Payee Payer->>App: Enter UPI ID and amount Payer->>App: Approve with UPI PIN App->>PSP: Pay request PSP->>NPCI: Route payment NPCI->>PB: Resolve payee VPA PB-->>NPCI: Payee account found NPCI->>RB: Debit payer RB-->>NPCI: Debit OK NPCI->>PB: Credit payee PB-->>NPCI: Credit OK NPCI-->>PSP: Success, UTR ref PSP-->>App: Payment successful PB-->>Payee: Money received
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