Just to clear things up since some of the other comments seem unsure or have partial information, UPI requires a cell phone, a cell phone number and the bank account linked with the cell phone number. It cannot be used from a computer (IMPS, which is like UPI’s cousin with a slightly more cumbersome interface, can be used from a computer).
The primary form of UPI usage is from smartphone apps (provided by banks or by the operator of UPI, which is the NPCI BHIM app).
See the UPI overview page [1] by NPCI (a private consortium operating UPI, IMPS and a few other services).
The primary form of UPI usage is from smartphone apps (provided by banks or by the operator of UPI, which is the NPCI BHIM app).
See the UPI overview page [1] by NPCI (a private consortium operating UPI, IMPS and a few other services).
[1]: https://www.npci.org.in/what-we-do/upi/product-overview