Many individuals are interested in the Unified Payments Interface (UPI) technology since it is secure, user-friendly, and widely used in India. UPI (Unified Payments Interface) is incredibly popular in India, with millions of users and billions of transactions processed daily. This study explains about the UPI usage and the awareness about the migrant workers in Tamil Nadu. This study consists of 100 responses from the migrant workers, and their opinion towards the UPI usage. Most of the people think that the UPI usage is convenient for them to use in their smartphone. This study also examines the UPI preference of the respondents and their purposes. It also has the dominant results that all the respondents are aware of the UPI systems and pursuing it. This study has also consisted an insight of the digital literacy of the migrant workers. It also brings us the challenges that are faced by the people at the time of using UPI. UPI, the Unified Payments Interface, has been experiencing intermittent technical issues leading to partial transaction declines, according to the National Payments Corporation of India (NPCI). These issues can cause problems with fund transfers, payments, and app functionality.