Video narration
Your thumb taps Pay. A beat later, the confirmation sound—and the green tick. What just happened? Your app sends the request through UPI to your bank and the receiver’s bank. Before success can come back, gates must open: you’re authorised, often with your UPI PIN; the receiver’s details are valid; your account can cover it; and both banks accept the request. Then the green tick arrives. Here’s the surprise: it’s a reply, not a picture of money travelling from your account to theirs. It tells the app the request succeeded. Meanwhile, the banks update the sender’s debit and receiver’s credit in their records. Final bank balancing can follow a separate path. This isn’t one slow handoff. Connected systems route, check, record, and reply in overlapping steps. Before your phone reaches your pocket, the reply is back; account changes are moving. That’s why UPI feels instant.