make your smart phone a POS device.just on click to generate QR code. customers can scan QR code from ANY UPI banking app OR UPI PAY app.scan UPI QR codes and make payments ultra fast from your bank account (payments are done using UPI banking app. UPI PAY only pre-fills fields needed for transaction)since UPI is used, no service charge as with credit/debit cardsmake/receive payments directly to/from bank accountno 20,000 transaction limit for merchants. UPI transaction limit is 1Lakhno withdrawal limit per month, since money goes to your bank accountSecurityno login is requiredUPI PAY stores only virtual address and namepayments are done using banking apps