HDFC Bank announced a software upgrade to create a single point-of-sale (PoS) machine which will accept payments through Unified Payments Interface (UPI), BharatQR, SMS Pay and the bank’s mobile wallet, in addition to the traditional mode of swiping cards. The merchant has to do is to update his/ her machine with a software at no cost. The new software will work only on HDFC Bank-issued PoS machines, but will accept any card or app from any bank/ service provider.