UPI vs. Cash on Delivery: Why UPI Apps Offer a Smoother Shopping Experience


In today’s fast-paced world, convenience reigns supreme. This is especially true when it comes to online shopping. While cash on delivery (COD) has long been a popular payment option, a new challenger has emerged: UPI (Unified Payments Interface).

UPI apps are revolutionizing the online shopping experience, offering a smoother, faster, and more secure way to pay for your purchases.

What is UPI

UPI is a digital payment system developed in India that facilitates instant bank transfers between individuals and businesses. It leverages your existing bank account and eliminates the need for debit or credit card details.

You need only a smartphone UPI app and a Virtual Payment Address (VPA), a unique identifier similar to an email address.

Why choose UPI apps over COD for online shopping

While COD offers the comfort of paying only upon receiving your order, UPI apps provide several advantages that make them a more attractive option:

  • Faster checkout: With UPI, there is no need to count cash or wait for change. With a few clicks on your phone, the payment is complete, significantly speeding up the checkout process.
  • Enhanced security: UPI transactions are secured by a UPI PIN or biometric authentication (fingerprint or facial recognition). This eliminates the risk of carrying cash or handing over your debit/credit card details online.
  • Convenience at your fingertips: UPI apps are readily available on most smartphones. They allow you to pay for your online purchases anytime, anywhere, without the hassle of stepping out or having exact changes.
  • Rewards and cashbacks: Many UPI apps offer attractive reward programs and cashback incentives on transactions, which can translate to additional savings on your online shopping sprees.
  • Bill payments made easy: UPI apps go beyond online shopping. You can use them to pay your mobile bills, electricity bills (including platforms like Bajaj Finserv BBPS), and utility bills, and you can even recharge your subscriptions – all from a single platform.


UPI vs. Cash on Delivery: Why UPI Apps Offer a Smoother Shopping Experience

UPI vs. Cash on Delivery: A side-by-side comparison

Feature UPI Cash on Delivery (COD)
Transaction speed Instant Payment happens upon product delivery
Convenience Pay from anywhere, anytime Requires cash on hand
Security Secured with UPI PIN or biometrics Relies on physical cash
Transparency Immediate confirmation of payment No confirmation until payment is made
Additional benefits Rewards programs, cashback offers Limited benefits
Bill payment capability Yes, through platforms like BBPS No


How to get started with UPI

Using UPI is a breeze. Here is a quick guide:

  1. Download a UPI app: Numerous UPI apps are available for download on the Google Play Store or Apple App Store. Popular options include PhonePe, Bajaj Pay, Google Pay, BHIM, Paytm, and Amazon Pay.
  2. Link your bank account: Once you have downloaded the app, link your bank account using your debit card details or existing internet banking credentials.
  3. Create a UPI PIN: Set a secure UPI PIN for authorizing transactions. This PIN acts as your second layer of security.
  4. Start using UPI: You are now ready to experience the ease and convenience of UPI payments! Look for the UPI payment option on online shopping platforms or bill payment websites. Enter the merchant’s UPI ID or scan their QR code, enter the amount, and confirm the transaction with your UPI PIN.

The future of payments is UPI.

The widespread adoption of UPI payment in India is a testament to its many advantages. With its emphasis on speed, security, and convenience, UPI is transforming the way people pay for goods and services online.

As UPI continues to evolve and integrate with more platforms, it is poised to become the preferred payment method for millions of Indians.

Beyond online shopping: How UPI can simplify your life

While UPI excels in online transactions, its benefits extend far beyond online shopping. Here are some additional ways UPI can simplify your daily life:

  • Splitting bills with friends: Going out with friends and need to split the bill? UPI makes it easy to send or receive exact amounts instantly, eliminating the need for awkward calculations or cash exchanges.
  • Paying for local services: Many local stores, street vendors, and even transportation providers are now accepting UPI payments. This cashless convenience saves you time and ensures you always have a payment option on hand.
  • Donations and charity: UPI has made donating to charities and NGOs simpler than ever. You can contribute directly using your UPI app, ensuring your donation reaches the intended recipient quickly and securely.


In today’s digital age, convenience and security are paramount. UPI apps offer the perfect blend of both, making them a game-changer for online shopping and everyday payments. So, ditch the cash and embrace the future of payments with UPI.