UPI is a unique payment solution, as the recipient is now empowered to initiate the payment request from a smartphone. It facilitates “virtual address‟ as a payment identifier for sending and collecting money and works on single click 2 factor authentications. It also provides an option for scheduling push and pull transactions for various purposes like sharing bills among peers. One can use UPI app instead of paying cash on delivery on receipt of product from online shopping websites and offers various payment facilities like paying utility bills, over the counter payments, barcode(scan and pay) based payments, donations, school fees and other such unique and innovative use cases.