This interactive 3D application simulates common digital payment flows in India.
To demystify what happens 'behind the scenes' when you make a payment. We visualize the journey of your transaction from your device to the recipient.
This is a simplified educational model. Real-world systems are far more complex, but this simulation covers the core concepts and key players involved in every digital transaction you make.
The simulation begins with a 3D model of a smartphone. Click on one of the app icons (PhonePe, GPay, Paytm, or Cards) to initiate a payment flow.
A realistic phone interface will appear. Simply follow the on-screen instructions as you would in a real app.
After completing the steps on the phone, the view changes to a 3D animation of your payment travelling through the real systems that carry it — PSP servers, the NPCI switch, card networks and bank cores.
While the animation runs, the panel at the bottom-left streams the actual backend process for your transaction: TLS handshakes, tokenisation, BIN lookup, risk scoring, 3-D Secure 2.2 messages, ISO 8583 fields and core-banking ledger commits — each with realistic latency.
On the receipt, tap “View Real Backend Trace” to inspect everything the payment generated:
0100/0110 fields, EMV 3DS 2.2 AReq/ARes/RReq, or the NPCI UPI 2.0 ReqPay/RespPay XML.Enter your name for the virtual card, then choose a simulation.
When booking tickets online, you'll often see an extra charge called a "Convenience Fee".
This is a service charge added by the platform (e.g., BookMyShow, MakeMyTrip) to cover the costs of providing a secure online payment service. It's usually non-refundable even if you cancel your ticket.
Your credit card statement will show the total amount charged by the merchant (e.g., "INDIGO AIRLINES โน5,620.00").
Unlike some other transactions, direct ecommerce purchases with a credit card typically don't have an upfront fee. Instead, the cost comes from interest if you don't pay your bill on time.
After your purchase, you get a "grace period" (usually 45-50 days) to pay your bill. If you pay the full amount before the due date, you pay zero interest. โ
If you only pay the "minimum amount due" or less than the full amount, high interest (e.g., 36%-48% per year) starts applying to the remaining balance. โ ๏ธ
Processing Fee: When transferring money directly to a bank account using a credit card, banks charge a fee of 2-5% on the amount.
Credit Limit: For this simulation, you have a credit limit of โน80,000.
Example:
If you transfer โน10,000 to a friend's bank account:
Enter the OTP sent to your mobile.
Paying to
Amount
For simulation, use the OTP:
Bank Balance
Enter amount to send
A secure PIN is required for this transaction.
Enter this PIN to continue:
Scan this QR code with any UPI app.
The payment was cancelled by the user.