Two UPI Products on One Operating Foundation
UPI Issuing and UPI Acquiring are separate products, so you can license, certify and launch the side you need first. Both run on the same architecture, security model and reliability foundation.
- CustomerUPI appPay, Collect, Intent or QR started on the payer's UPI app.
- IDS / AcquiringUPI Switch Acquiring (PSP)Builds, signs and sends the transaction to NPCI; device binding and VPA services.
- NetworkNPCI UPIRoutes the request between the PSP and the account-holding bank.
- IDS / IssuingUPI Switch IssuingValidates the request and the UPI PIN through the HSM; limits and velocity checks.
- BankCore Banking SystemDebit or credit posted through the CBS adapter (ISO 8583, MQ or REST).
Issuing and Acquiring are licensed separately, so a programme can start with either side.
UPI Switch Issuing
Complete issuer-side (remitter and beneficiary bank) processing for NPCI UPI 2.0: receives, validates and processes UPI requests from NPCI on behalf of the bank and posts them to the Core Banking System.
Financial processing
Debit and credit for account + IFSC; reversal processing; transaction confirmation; limits and velocity checks; MCC validation.
Authentication
UPI PIN validation through HSM; Set/Reset PIN; OTP generation and validation; Aadhaar OTP-based PIN setting.
Account services
Balance enquiry (including dual account); list linked accounts; mini statement; account narration.
CBS integration
CBS adapter layer with ISO 8583 / MQ / REST translation; debit, credit, balance and account-status operations.
Dispute (UDIR)
Issuer-side complaint handling, adjustment and status per NPCI UDIR.
Notifications
SMS, email and alert hooks for customer notifications.
UPI Switch Acquiring (PSP)
Payer and payee PSP processing: builds, signs and sends UPI transactions to NPCI, and serves customer and merchant channels through APIs.
Core transactions
Pay (P2P and P2M); Collect; Intent; check transaction status; final callback response; refund and reversal.
Customer services
Mobile registration with device and SIM binding; VPA creation, linking and blocking; list accounts; Set/Reset PIN; balance enquiry; transaction history.
Merchant services
Merchant and sub-merchant creation; bulk upload; callback URL management; refunds; merchant dispute raise; transaction summary reports.
QR & Intent
BharatQR static and dynamic; signed QR; Intent/Soundbox QR; POS device QR push; bulk QR download API.
NPCI interface
List keys; heartbeat; list account providers; VAE management; pending messages; 90+ error-code mappings; XML digital signing.
Dispute (UDIR)
Raise, track and resolve complaints per NPCI UDIR.
Bank and TSP Consoles
Run UPI, IMPS, virtual accounts and reconciliation on the IDS switch, for bank operations and partner teams.
Merchant and Aggregator Portals
Payments, refunds, QR codes, complaints and settlement reports for the businesses you acquire.
An Operating Foundation for Both UPI Products
Common architecture, reliability, security and compliance capabilities, deployed in your infrastructure.
Architecture
Microservices on Kubernetes; three-zone security model (DMZ, application, data); Kafka-based asynchronous processing.
Reliability
Write-ahead transaction logging; idempotency layer; error and retry engine; DR with encrypted cross-region snapshots.
Security
mTLS to NPCI; XML digital signatures; HSM integration; AES-256 payload encryption; rate limiting; session and velocity controls; role-based access.
Compliance
Built to NPCI UPI 2.0 specifications and operating circulars; data localisation within your infrastructure.
Extend UPI With New Use Cases
Mandates, AutoPay, UPI Lite, RuPay Credit Card on UPI, UPI Global and more, added per side on top of Issuing and/or Acquiring.
SCOPE YOUR UPI PROGRAMME
Tell us whether you need Issuing, Acquiring or both, and which Boosters are on your roadmap.