Talk:Unified Payments Interface

Excessive usage info removed

Wikipedia articles are not user manuals (see WP:NOTMANUAL), but should only provide a succinct overview of significant encyclopedic facts. User instructions and excessive secondary details should be provided on the topic's own official website. GermanJoe (talk) 17:21, 8 December 2018 (UTC)

"Instant real-time"?

What can this phrase mean but "instant"? DenverCoder9 (talk) 00:29, 23 May 2023 (UTC)

"UPI" listed at Redirects for discussion

The redirect UPI has been listed at redirects for discussion to determine whether its use and function meets the redirect guidelines. Readers of this page are welcome to comment on this redirect at Wikipedia:Redirects for discussion/Log/2025 December 30 § UPI until a consensus is reached. ~/Bunnypranav:<ping> 09:12, 30 December 2025 (UTC)

Use or not in Nepal, the UK, Russia, and Ceylon

This edit restored information about use of the Unified Payments Interface in the following countries:

• Nepal
• The United Kingdom (a.k.a. the UK)
• Russia
• Ceylon (a.k.a. Sri Lanka)

According to the text added, the Unified Payments Interface is used to a limited degree in Nepal and Ceylon. There is no indication that the hoped for use in Russia and the UK has actually happened.-- Toddy1 (talk) 21:36, 21 March 2026 (UTC)

There are primary sources such as Western Union and Remitly that say that the Unified Payments Interface can be used in the UK to send money to India. That is a very limited use of Unified Payments Interface.-- Toddy1 (talk) 21:52, 21 March 2026 (UTC)

The addition of the sections on use or not in Nepal, the UK, Russia, and Ceylon has now been reverted at least three times.^{31 Jan 26,20 Mar 26, 22 Mar 26} If anyone thinks that these sections belong in the article, they need to explain here first. @CBum 6: wrote: The claim of irrelevance is unclear and requires justification. If the listed countries are asserted not to use UPI, then reliable sources should be provided. The existing content includes citations, and removal without addressing them is not appropriate. Such significant changes should first be discussed on the talk page to establish consensus. If you think that there is a good case for including these sections, please explain it here. The responsibility for achieving consensus for inclusion is on editors seeking to include disputed content (see the WP:ONUS section of Wikipedia:Verifiability).

@Zalaraz and Koshuri Sultan: It would be helpful if you explained here why these sections did not belong in the article. As you said: Again, use talkpage and work towards consensus. -- Toddy1 (talk) 08:54, 22 March 2026 (UTC)

The content removal concerning these countries is warranted because their citizens are not allowed to use UPI the way Indians are. Contrary to that fact, the version having those country sections is giving the wrong impression that those countries have embraced UPI when they haven't. Koshuri ^(あ!) 09:05, 22 March 2026 (UTC)

This claim is incorrect. These countries do support UPI-based payments, and India has also shared the underlying technology with them. While the applications or platforms used may differ, Indian users are generally able to make payments in these countries without significant issues. For example, UPI payments are accepted in Nepal. If there are reliable sources indicating that these countries do not use UPI, please provide them for verification before removing the content. CBum 6 (talk) 10:03, 22 March 2026 (UTC)

No that's false. Only non-resident Indians are allowed to make transactions through UPI in some of those countries. You are wrong about Nepal as well. Koshuri ^(あ!) 11:01, 22 March 2026 (UTC)

The claim that only non-resident Indians can use UPI internationally is not supported by reliable sources. UPI’s international acceptance, where available, generally allows Indian users (including residents) to make payments at participating merchants, such as QR-based payments in Nepal. The source provided does not establish that usage is restricted exclusively to NRIs, and such a claim requires clear, high-quality sourcing.

Additionally, there appears to be a conflation between (a) full domestic adoption of UPI within a country and (b) limited cross-border acceptance for payments by Indian users. The content in question reflects the latter and is supported by cited sources. If there are reliable sources explicitly stating that UPI cannot be used by Indian users in these countries, they should be provided. Otherwise, removal on this basis may not be justified. CBum 6 (talk) 11:15, 22 March 2026 (UTC)

Stop using AI for writing replies.. Nepalese citizens cannot use UPI like Indian citizens can. Only UPI-compatible banks offer the facility so far. Zalaraz (talk) 11:29, 22 March 2026 (UTC)

Please focus on the content and sources rather than making assumptions about how replies are written. Regarding the substance of the discussion, there appears to be a distinction between (a) full domestic use of UPI by local citizens and (b) limited cross-border acceptance of UPI for payments by Indian users at participating merchants. The content in question refers to the latter.

If the argument is that Nepalese citizens cannot use UPI in the same way as Indian users, that may be accurate, but it does not negate the existence of UPI acceptance in Nepal for Indian users via supported systems. The distinction should be clearly reflected in the article rather than removing the content entirely. If there are reliable sources supporting restrictions on usage, they should be provided so the content can be presented accurately and with proper nuance. CBum 6 (talk) 11:37, 22 March 2026 (UTC)

As you said - only UPI compatible banks support it in Nepal, that still means UPI is present there, even if in a limited form. That supports inclusion rather than removal in the article. The limitation you mentioned should be clarified in the article, but it doesn’t make the original claim incorrect or justify removing the section entirely. CBum 6 (talk) 11:46, 22 March 2026 (UTC)

That's not what you are doing. You are simply restoring misleading disinformation with your blanket reverts.

If you are still going to misuse AI for writing replies then you are only digging a bigger hole for yourself. Zalaraz (talk) 11:53, 22 March 2026 (UTC)

The content has sources, so calling it ‘disinformation’ is not appropriate. Lol you are also contradicting yourself, first saying Nepal doesn’t use UPI, then saying compatible banks offer it there, which implies UPI is present, even if limited. CBum 6 (talk) 12:03, 22 March 2026 (UTC)

Unified Payments Interface (UPI) can be used both for (a) inter-bank peer-to-peer (P2P) and (b) person-to-merchant (P2M) transactions. Western Union (UK) describes what I think is meant by an inter-bank peer-to-peer transaction: i.e. from a UK sender's point of view he/she is using Western Union. I had a look at Western Union (United States) and this describes the same thing - a US sender can use Western Union for an inter-bank peer-to-peer transaction using UPI. Remitly does much the same thing. Both Western Union and Remitly are available in hundreds of countries - and presumably it is possible to use these services from any country with Western Union or Remitly to make an inter-bank peer-to-peer transaction using UPI to send to an Indian bank account. It does not seem sensible to have sections for each of those countries.

The ability to send from Western Union or Remitly from hundreds of countries to Indian bank accounts using UPI is neither (a) domestic adoption of UPI within those countries, nor (b) limited cross-border acceptance for payments by Indian users; it is (c) using UPI for the Indian part of the transfer process.-- Toddy1 (talk) 20:53, 22 March 2026 (UTC)

I get your point about Western Union or Remitly ..they’re basically just using UPI on the Indian side, so listing every country they operate in probably doesn’t make sense.

My point was more about cases like Nepal, where UPI is actually accepted for payments by Indian users at merchants. That seems a bit different from remittance services. CBum 6 (talk) 05:37, 23 March 2026 (UTC)

Instead of reverting, try finding sources for countries where UPI "is actually accepted for payments by Indian users at merchants", and create some draft text for those countries on this talk page, complete with citations. Look for citations that support use of UPI in those countries. Stuff on the agreements that led to UPI being accepted is only relevant if you can get people to accept text on actual usage.-- Toddy1 (talk) 12:14, 23 March 2026 (UTC)