How can I make a UPI Tap & Pay transaction? (Step-by-Step Method)

The digital payment landscape has evolved significantly, offering users innovative ways to conduct transactions securely and conveniently. Among these advancements, the National Payments Corporation of India (NPCI) has introduced a new mode of payment called UPI Tap & Pay, which utilizes NFC technology to streamline UPI transactions. This article serves as a comprehensive guide, outlining the step-by-step method to perform a UPI Tap & Pay transaction.

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What is UPI Tap and Pay?

UPI Tap & Pay is an innovative payment method that leverages Near Field Communication (NFC) technology to facilitate UPI transactions. Unlike traditional methods like Scan & Pay or Pay to Contact, UPI Tap & Pay simplifies the process by allowing users to tap their NFC-enabled device on the recipient’s device to retrieve the Payee UPI ID/VPA.

How UPI Tap & Pay is Different from Scan and Pay?

While Scan & Pay involves scanning the recipient’s QR code using the camera to obtain their UPI ID/VPA, UPI Tap & Pay utilizes NFC technology. Instead of scanning, users simply tap their device on the receiver’s device, eliminating the need for camera-based scanning and offering a more seamless transaction experience.

At Which Places Tap & Pay Transactions Can Be Performed?

Tap & Pay transactions can be conducted at various locations equipped with NFC technology. These include NFC smart QRs, NFC QR soundboxes, or UPI smart tags embedded with NFC capabilities.

How Can I Make a UPI Tap & Pay Transaction? (Step-by-Step Method):

Performing a UPI Tap & Pay transaction involves a few simple steps to ensure a smooth and secure payment process. Follow the step-by-step guide below:

  1. Open Your UPI App: Launch your preferred UPI-enabled application on your NFC-capable mobile device.
  2. Select Tap & Pay Feature: Look for the Tap & Pay icon or option within the app’s interface. It may be prominently displayed on the homepage or in the main menu.
  3. Enter Transaction Amount: Upon selecting Tap & Pay, input the specific amount you intend to transfer.
  4. Initiate the Tap: Position your device with NFC capability close to the recipient’s NFC-enabled device or UPI tag.
  5. Tap to Complete Payment: Tap your device on the receiver’s device or UPI tag to establish the NFC connection and retrieve the Payee UPI ID/VPA.
  6. Transaction Confirmation: Your app will confirm the successful transaction, indicating that the payment has been completed.


The introduction of UPI Tap & Pay marks a significant advancement in the realm of digital payments, offering users a more efficient and secure method for conducting UPI transactions through NFC technology. By following these simple steps, users can embrace this innovative payment mode, making transactions quicker and hassle-free.

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