You can make Payouts to your contact via UPI/IMPS/NEFT/RTGS modes. Payout via UPI mode needs contact’s VPA address and other modes need Bank Account number. If a mode is NOT specified while making a payout against, system auto determines the best mode (IMPS/NEFT/RTGS/IFT) optimizing for quicker payout, based on the amount and the contact’s bank account.