New Delhi, Dec. 18 -- Worldline India's latest snapshot captures how UPI, QR codes, cards, and mobile payments are reshaping transaction behaviour across metros and emerging Bharat. The quarter reinforces a simple takeaway: India is moving rapidly toward a scan-first payments economy, where digital transactions are embedded into everyday life.

UPI continued its steady climb in Q3 2025, posting 59.33 billion transactions, up 33.5% year-on-year. Transaction value rose 21% to Rs.74.84 trillion, underlining UPI's expanding role beyond peer transfers into routine retail spending.

Person-to-merchant (P2M) transactions grew faster than person-to-person (P2P), reflecting how UPI is now the preferred checkout option for groceries, transport, foo...