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Payment Flows · medium

2. Transaction Lifecycle: Push (Pay) vs Pull (Collect)

2-Factor mobile authentication and synchronous API execution.

1 min read2 questionsup to 50 XPtopic 2/4

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UPI supports two fundamental transaction modes: - UPI Pay (Push): Payer initiates transfer directly to payee VPA / QR code. - UPI Collect (Pull): Payee requests payment; payer receives notification, inspects amount, and authorizes with their secret MPIN.

Payer App (TPAP) ──> Payer PSP ──> NPCI UPI Switch ──> Remitter Bank (CBS Debit)
                                           │
                                           ▼
Payee App (TPAP) <── Payee PSP <── NPCI UPI Switch ──> Beneficiary Bank (CBS Credit)

The entire dual-leg synchronous inter-bank CBS debit and credit executes in under 2 seconds.

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Check your understanding

  1. 1. What credential does a user enter on their mobile device to authorize a UPI debit?

  2. 2. How does UPI handle account debit and credit across two different commercial banks?

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