{"canonical_url":"https://agenticpayments.dev/cuts/cut-0203","claims":[],"content_hash":"sha256:43eeb6802e640fb28c41d272cd2c6f148743d0e59cf75db66ee2ce0765a24064","entities":{"credit-push":"lexicon/credit-push","mandate":"lexicon/mandate"},"gist":"In a **credit-push** system, the payer's side initiates: money leaves my bank because I told my bank to send it. In a debit-pull system, the payee's side initiates: money leaves my account because someone presented my credentials and asked for it. Cards are pull. UPI's default flow is push — even the \"collect request\" is just a message asking me to push.","id":"cut-0203","license":"CC-BY-4.0","provenance":"first-hand","relations":[{"target":"cut-0200","type":"related"},{"target":"cut-0201","type":"related"}],"sig":"ed25519:My6+AmCH2TwS5KCrCB2rERxRDtoJ/1oTKS+qMrISYbS/B48s7CwyDhMyu/DxtG/RcRQdL4Mu3Fl2oUHvPkxaCQ==","stale_after":null,"suggested_citation":"agenticpayments.dev, \"UPI is credit-push by design\" (cut-0203), July 2026, https://agenticpayments.dev/cuts/cut-0203","superseded_by":null,"valid_as_of":"2026-07-06","version":1}