Virtual Payment Address (VPA) is a unique digital ID that is given to each user that decides to use the Unified Payment Interface (UPI) to facilitate transactions. The VPA system allows users to send and receive money instantly without having to input their bank account number or their IFSC code. The VPA system makes it very easy for Indian users to complete digital transactions and also offers them more security since they do not have to divulge any of their banking information online. One of the big benefits of using VPA is that it works on a 24/7 basis for all 365 days unlike banking applications that do not process transactions on non-banking days.