{"id":1301979,"date":"2025-11-01T10:53:17","date_gmt":"2025-11-01T05:23:17","guid":{"rendered":"https:\/\/trak.in\/stories\/?p=1301979"},"modified":"2025-11-01T10:53:47","modified_gmt":"2025-11-01T05:23:47","slug":"upi-conquers-digitial-payments-with-rs-143-lakh-crore-volume-35-more-than-last-year","status":"publish","type":"post","link":"https:\/\/trak.in\/stories\/upi-conquers-digitial-payments-with-rs-143-lakh-crore-volume-35-more-than-last-year\/","title":{"rendered":"UPI Conquers Digitial Payments With Rs 143 Lakh Crore Volume: 35% More Than Last Year"},"content":{"rendered":"\n<p>India\u2019s Unified Payments Interface (UPI) remained the dominant force in digital payments, with transactions rising 35% year-on-year to reach 106.36 billion in the first half of 2025.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"465\" src=\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Untitled-design-2-6-1.png\" alt=\"UPI Conquers Digitial Payments With Rs 143 Lakh Crore Volume: 35% More Than Last Year\" class=\"wp-image-1302055\" srcset=\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Untitled-design-2-6-1.png 1000w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Untitled-design-2-6-1-300x140.png 300w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Untitled-design-2-6-1-768x357.png 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p>The total transaction value through UPI reached Rs 143.34 lakh crore, showing how deeply digital payments have integrated into daily life, according to Worldline\u2019s India Digital Payments Report (1H 2025).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">UPI Dominates India\u2019s Digital Payments with 35% Growth and Rs 143 Lakh Crore in Transactions<\/h2>\n\n\n\n<p>The average UPI transaction size dropped from Rs 1,478 in early 2024 to Rs 1,348 in early 2025.<\/p>\n\n\n\n<p>This decline suggests that users are increasingly relying on UPI for small, <a href=\"https:\/\/ianslive.in\/upi-transactions-in-india-jump-35-pc-in-h1-2025-touch-rs-143-lakh-crore-report--20251029125241\">everyday<\/a> purchases at tea stalls, grocery stores, and online platforms.<\/p>\n\n\n\n<p>Person-to-merchant (P2M) transactions grew 37% to 67.01 billion, fueled by what Worldline refers to as the \u201cKirana Effect,\u201d where small and micro businesses drive digital adoption.<\/p>\n\n\n\n<p>India\u2019s QR-based payment network expanded rapidly, more than doubling to 678 million by June 2025 \u2014 a 111% increase from January 2024.<\/p>\n\n\n\n<p>The number of Point-of-Sale (PoS) terminals rose 29% to 11.2 million, and Bharat QR reached 6.72 million.<\/p>\n\n\n\n<p>These developments have made India home to the world\u2019s largest merchant network, supported by small business participation and government inclusion initiatives.<\/p>\n\n\n\n<p>The report also notes that credit cards are evolving into premium spending tools.<\/p>\n\n\n\n<p>The number of active credit cards increased 23% from January 2024 to June 2025, with monthly spending surpassing Rs 2.2 trillion.<\/p>\n\n\n\n<p>Despite a 6% fall in average transaction size, credit cards are now being used more frequently for daily expenses.<\/p>\n\n\n\n<p>In contrast, debit card usage at PoS terminals declined by nearly 8%, as smaller payments increasingly moved to UPI.<\/p>\n\n\n\n<p>Mobile payments remained the top choice for everyday transactions, growing 30% year-on-year to 98.9 billion transactions worth Rs 209.7 trillion.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Make UPI Payments On ChatGPT: Testing Starts By NPCI, RazorPay, OpenAI<\/h2>\n\n\n\n<p>The National Payments Corporation of India (NPCI), in collaboration with Razorpay and OpenAI, has launched a pilot program allowing users to make AI-powered payments directly through ChatGPT using the Unified Payments Interface (UPI). This initiative marks a major step toward agentic AI commerce, where artificial intelligence can autonomously handle transactions securely and efficiently.<\/p>\n\n\n\n<p>The concept of agentic AI refers to AI models capable of performing complex tasks with minimal human intervention. By embedding UPI credentials within ChatGPT, users can authorize transactions, enabling AI to act as a transactional assistant. Razorpay CEO Harshil Mathur emphasizes that this technology transforms AI assistants from simple discovery tools into full-fledged shopping agents capable of completing purchases autonomously.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>India\u2019s Unified Payments Interface (UPI) remained the dominant force in digital payments, with transactions rising 35% year-on-year to reach 106.36 billion in the first half of 2025. The total transaction value through UPI reached Rs 143.34 lakh crore, showing how deeply digital payments have integrated into daily life, according to Worldline\u2019s India Digital Payments Report [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":1302055,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[21],"tags":[41],"class_list":["post-1301979","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-upi"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>UPI Conquers Digitial Payments With Rs 143 Lakh Crore Volume: 35% More Than Last Year - Trak.in - Indian Business of Tech, Mobile &amp; Startups<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/trak.in\/stories\/upi-conquers-digitial-payments-with-rs-143-lakh-crore-volume-35-more-than-last-year\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"UPI Conquers Digitial Payments With Rs 143 Lakh Crore Volume: 35% More Than Last Year - Trak.in - Indian Business of Tech, Mobile &amp; Startups\" \/>\n<meta property=\"og:description\" content=\"India\u2019s Unified Payments Interface (UPI) remained the dominant force in digital payments, with transactions rising 35% year-on-year to reach 106.36 billion in the first half of 2025. The total transaction value through UPI reached Rs 143.34 lakh crore, showing how deeply digital payments have integrated into daily life, according to Worldline\u2019s India Digital Payments Report [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/trak.in\/stories\/upi-conquers-digitial-payments-with-rs-143-lakh-crore-volume-35-more-than-last-year\/\" \/>\n<meta property=\"og:site_name\" content=\"Trak.in - Indian Business of Tech, Mobile &amp; Startups\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-01T05:23:17+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-01T05:23:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/10\/Untitled-design-2-6-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"465\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Radhika Kajarekar\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Radhika Kajarekar\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/trak.in\/stories\/upi-conquers-digitial-payments-with-rs-143-lakh-crore-volume-35-more-than-last-year\/\",\"url\":\"https:\/\/trak.in\/stories\/upi-conquers-digitial-payments-with-rs-143-lakh-crore-volume-35-more-than-last-year\/\",\"name\":\"UPI Conquers Digitial Payments With Rs 143 Lakh Crore Volume: 35% More Than Last Year - Trak.in - Indian Business of Tech, Mobile &amp; 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