The objective of an umbrella organisation is to provide swift, convenient, anytime-anywhere payment services which are easy-to-use, simple, secure, fast and cost-effective for customers. NPCI over the years has operated various retail payment systems viz.
IMPS, UPI-including BHIM, National Unified USSD Platform (NUUP) for mobile payments, RuPay, NACH, Aadhaar based AePS, including Aadhaar Pay, APBS, BBPS, NETC, etc., some of which are available for use on a 24x7 basis. In all the payment systems the main role of NPCI has been to offer switching services and the attendant clearing and settlement facilities.