How to make your shopping experience even easier with UPI payments


When was the last time you paid in cash and stood there to get the change back? I’m sure that it must have happened a long time ago. As technology has evolved, many things around us have changed and become a lot easier and effortless. 

Be it ordering food or paying a retailer instantly, everything is just a few taps away. With time, we all have adapted to digital payments, and a UPI payment is one of the best ways in India to transact. And this has become more approachable due to the easy access to internet-enabled smartphones. 

Around six years ago, a network technology company transformed the entire scenario of the internet by first offering a 4G network for almost free. It drastically reduced the internet charges for every network provider by providing competitive prices. 

What is a UPI payment?

A real-time payment platform produced by the National Payments Corporation of India (NPCI), it is a payment system that supports online money transfers between bank accounts via a single application. So, with just a few taps on your smartphone, you can quickly recharge your mobile, pay your water & electricity bill and transact money online.

Furthermore, a UPI payment is more attractive because it is instant, free of charge and can be made at any time of the day. Moreover, these payments are made via a UPI application, and you can easily link multiple bank accounts in one application only. 

How do UPI payments make your shopping experience even easier?

Now, whenever you go out to purchase a gadget, appliance or even apparel, you tend to make an online payment. This is because, firstly, you don’t have to worry about carrying cash, and most of the time, online payment offers multiple rewards and cashback.

  • Instant Payment

Despite spending five minutes in the queue while clearing out your bills due to paying in cash and waiting for change, an online payment hardly takes five seconds. This is because it is done instantly and available round the clock. 

  • Small transactions

Most of the time, we don’t tend to carry change to pay for parking while entering a mall. This is where a digital payment steps in. You can easily make such small transactions via UPI. Furthermore, UPI has changed the entire scenario, and every street vendor or shopkeeper is ready to accept a UPI payment.

  • UPI Pay Later

If you wish to shop more on a special day but witness that you are short of funds, this is where this scheme steps in. So, here, the name says it all. It means you can easily spend over and above your bank balance by opting for PayLater on a UPI application and conveniently clear your dues within a stipulated period and at a reasonable interest rate. Moreover, UPI Pay Later helps you during your emergency times. 

  • Rewards

Rewards such as cashback or redeemable points always come as a bonus if you make an online payment. So, this makes your shopping experience more incredible as you are excited about the rewards.

However, remember that a single UPI application can be used for different bank accounts. In my case, I’ve been using the Bajaj Finserv application for over a year now, and it is my go-to app for every online payment. It is best that instead of using multiple applications for different payments, it is best to use a single one. Moreover, the concept of UPI Pay Later works as a saviour in your tough times. 


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