India’s digital payment system is getting ready for a new change. The National Payments Corporation of India (NPCI) is planning to bring a new feature called UPI Meta, which could completely change how users make payments while shopping online.
At present, every time you buy something from an e-commerce site, you need to select your UPI app like PhonePe, Google Pay, or Paytm, enter your UPI ID, approve the transaction, and then wait for the payment confirmation. This entire process takes time and can feel repetitive, especially for regular shoppers.
UPI Meta aims to make this easier and faster by allowing users to save their UPI ID on websites and apps — just like we save debit or credit card details.
How UPI Meta Will Work and Why It Matters for Everyday Users
With UPI Meta, users will be able to save their preferred UPI ID securely on a shopping site or app. So, the next time you make a purchase, you won’t have to re-enter your UPI information. This means faster checkouts, fewer steps, and a smoother payment experience.
Imagine placing an order on your favourite app and paying with just one tap — no need to choose a UPI app or enter details again and again. This simple feature can make online shopping more convenient for millions of people.
NPCI’s Plan and the Role of RBI in the Launch of UPI Meta
NPCI is still working on the idea and is discussing it with companies in the e-commerce and payment sectors. However, to officially launch UPI Meta, approval from the Reserve Bank of India (RBI) is needed.
The main aim is to make UPI payments as fast and seamless as card payments, but with the added benefit of using mobile payment apps people already trust.
This new feature could help boost digital payments even further, especially among users who shop online often and want quicker, easier options at checkout.
