BHIM

Paywint is a Digital Wallet to Request, Send & Receive Money Instantly. Link multiple Bank Accounts and Debit or Credit Cards. Share a unique Payment Link, QR Code, or Pay Tag to receive money from anyone. Download from the Apple Store or Google Play Store, or use a Web Browser online. Ultra Secured with Encryption and AI-powered fraud detection. Integrate Apple Pay, Google Pay, PayPal, CashApp, Zelle, and Venmo seamlessly for real-time funding or withdrawal. Students, Travellers, Workers, and Freelancers can pay Family, Friends, and Business partners in other countries. Small Business Owners can make Vendor Payments, Customer Payments, Payroll etc. Wallet supports Multi Currency and Multi Language. Open a Digital Bank Account and get a Virtual or Physical Card. Group Payments and Bill-splitting with Shared Wallets for Family/Friends/Group Accounts. Real-Time Alerts for every Transaction via Text, Email, Push, etc. Multiple Accounts for Merchants, with Multi-User Access.

Unified Payments Interface (UPI) is a real-time payment system developed by the National Payments Corporation of India (NPCI) that facilitates seamless and instant transfer of funds between bank accounts through a mobile platform. Launched in 2016, UPI revolutionized digital transactions in India by enabling users to send and receive money, pay bills, and make purchases directly from their smartphones without the need for traditional banking methods or card details. It uses a Virtual Payment Address (VPA) to simplify transactions, eliminating the need to share sensitive bank details. Highly secure and interoperable, UPI integrates multiple banks under one interface and supports features like QR code payments, scheduled transfers, and peer-to-peer payment requests. Its wide adoption has significantly contributed to India’s shift towards a cashless economy.