UPI payment involves a complex real-time system that integrates banks, apps, and national infrastructure to move money instantly.The UPI transaction lifecycle is detailed, from initiating a payment to entering the UPI PIN and processing the transaction smoothly.Important components in the UPI ecosystem include banks, apps, and the NPCI UPI SDK that ensures security during UPI PIN entry.Understanding the intricate process behind UPI transactions helps in improving success rates and user trust in FinTech payment experiences.