The document discusses modern modes of payment such as UPI, Paytm, credit cards, and debit cards. It notes that these methods allow users to pay for items anywhere and anytime without needing to carry cash. The document then describes different types of modern payments in more detail, including QR code scanning, mobile payment apps like Paytm and PhonePe, bank transfers, and credit/debit cards. It explains how each method works and the differences between credit and debit cards.