NPCI launched Unified Payment Interface (UPI), A digital payment system in partnership with 19 Banks. People can send and receive money via UPI using an Email like address called Virtual Payment Address (VPA). Users can also request money using VPA. One of the major highlights of UPI and virtual payment address is to make the underlying bank account numbers hidden. A user can create multiple VPAs for multiple purposes. Its also inter operable that is You can use the UPI app any bank and use it with the account in current bank.