UPI Or NFC, Know Which Payment Option Is Better?


In the last one or two years, the trend of digital payment has increased very fast in India. For which many platforms are available in the market, which you can install on your smartphone and link your bank account in it and through this you can easily make payment to anyone anywhere.

In these options, apart from Phone Pay, Google Pay, Paytm, BHIM App, you have many others. However, the most important thing is that on all these platforms, you need only one UPI ID to create your account. Do you know what is UPI and what is its full name.

Not only this, apart from UPI, NFC is also being used a lot for payment. If you do not know the meaning of UPI and NFC, then through this post we are going to tell you which payment mode will be better for you, NFC or UPI. For this, first of all we have to know that what is NFC and UPI?

What Is UPI?

First of all, let us tell you what is the full name of UPI, its full name is – United Payments Interface. This is a kind of mobile payment technology, through which you can make payment to any other UPI ID user using your mobile number, which is registered with your bank. In this, the transaction is done directly from your bank account but many types of apps have made it even easier. In which many more platforms including Google Pay, Phone Pay, Amazon Pay, Paytm and MobiKwik are included.

Let us tell you that UPI has been developed by National Payment Corporation of India jointly by Reserve Bank of India and Indian Banks’ Association. Through which you can directly transfer money from bank to bank in online mode.

What Is NFC?

If you do not know the meaning of NFC, then we are going to tell you what exactly it means. It is a field communication or inbuilt wireless data transmission, which works almost between devices located near each other. The NFC payment system uses radio frequency identification to create a contactless connection between two devices, the reader and the payment device. Through this, the transaction between these two devices can be completed in a few seconds.

However, this service works in only those mobiles, which already have NFC inbuilt. Such as Android Pay, Apple Pay or Samsung Pay. Apart from this, it can also be accessed through e-wallets with NFC payment service apps such as Google Pay, Paytm and Visa PayWave etc. Additionally, old NFC users can also make contactless payments by tapping their debit or credit cards at the point of sale instead of dipping or swiping.

What Is Better Between UPI And NFC?

Now after knowing about UPI and NFC, the first question coming in your mind would be that which payment option is better among these two. So let’s also answer this question of yours and tell who is better among these two.


The scope of UPI is huge and through this you can make payments anywhere and to anyone sitting at one place, that too in a jiffy. While this is not the case with NFC, its scope is limited and you can only do individual transactions through it.


Talking about security, UPI is considered more secure than NFC. Because it works on multiple factor authorization. Whereas in NFC, payment can be made only by unlocking the phone and the app or by showing a physical payment card.

Payment Limit

In terms of payment limits, UPI is way ahead of NFC. Because where you can easily make payments up to Rs 1 lakh through UPI, the NFC limit is only Rs 5000.

Payment Speed ​​

In terms of payment speed, UPI seems to lag behind, because while NFC can make payments in a matter of seconds, UPI transactions take a little longer, as you have to go through some important processes.

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