In April 2026, Worldline SA, a payment technology company, released its annual report titled “India Digital Payments Report- Year 2025 in Review”, stating that India’s Unified Payments Interface (UPI) processed 228.5 billion transactions in 2025, marking a 33% year-on-year (Y-o-Y) increase from 172.2 billion transactions in 2024.
- The report further highlighted that the total value of these transactions reached Rs 299.74 trillion in 2025, consolidating UPI’s position as the default payment method for daily commerce in India.
Key Findings:
UPI Dominance: The report highlighted that Person-to-Merchant (P2M) transactions increased 34% to 143.82 billion, reflecting UPI dominance in merchant payments.
Expansion of Merchant Infrastructure: The report revealed that merchant acceptance infrastructure expanded significantly, with UPI Quick Response (QR) codes increasing to 731.38 million, which marks an Y-o-Y increase of 15%.
Decline in ATS: As per the report,the Average Ticket Size (ATS) of all UPI transactions continued to decrease by 9% i.e. from Rs 1,437 in 2024 to Rs 1,314 in 2025, while merchant payments ATS declined to Rs 592, which indicates the digitisation of small ticket purchases.
Cards in Circulation: The report showed the total number of cards in circulation were more than 1.62 billion in 2025.
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