UPI INFRASTRUCTURE
The UPI infrastructure for modern businesses
A full-stack UPI platform powering every payment need for merchants and aggregators, built to scale with your business.
POWERING MODERN PAYMENT BUSINESSES
FULL-STACK UPI
Power every UPI payment journey with enterprise-grade infrastructure
Accept payments, automate collections, verify payment identity, and unlock new credit experiences through one platform.
FIRST TO INNOVATE
India’s 1st NPCI–TSP certified player, built to launch the latest UPI capabilities fast
ENTERPRISE-GRADE PAYMENTS
Built for real-time payment performance at scale
Direct NPCI collaboration, resilient infrastructure, and the throughput large payment businesses need.
99% uptime guarantee
Operate with predictable availability and zero unpredictable downtime.
94% transaction success rate
Protect checkout and collection conversion with resilient payment routing.
10,000+ transactions per second
Handle enterprise traffic spikes and large monthly payment volumes.
INFRASTRUCTURE FOR DIGITAL INDIA
UPI infrastructure powering India’s digital economy
One platform for high-volume checkout, recurring payments, verified transactions, and real-time collections.
Banking & NBFCs
Accelerate lending and repayments, automate collections, and reduce payment failures.
Insurance
Collect premiums faster, issue policies sooner, and streamline claim payouts.
OTT & subscriptions
Automate recurring payments, improve renewal success, and reduce subscription churn.
E-commerce & logistics
Increase checkout conversion, digitize COD, and simplify merchant collections.
Customer stories
BUILT FOR LARGE ENTERPRISES
UPI infrastructure engineered for enterprise scale
Launch with direct NPCI connectivity, resilient ledger architecture, traffic-spike handling, and developer-first APIs.
Direct NPCI connectivity
Build and certify new UPI capabilities through Setu’s ecosystem partnership.
CBS offloading
Use Express Ledger architecture to protect core banking systems from payment load.
Traffic-spike ready
Support high TPS and unpredictable payment peaks without customer disruption.
Developer-first APIs
Integrate customised UPI capabilities with production-ready interfaces and reporting.
COMMON QUESTIONS
FAQs
How does a business use a UPI API to accept payments?
A UPI API lets a business generate payment links, QR codes, or VPAs and receive real-time transaction status — accepting UPI payments without routing through a third-party checkout page.
How can a business accept UPI payments online with high success rates?
Success rates depend heavily on the infrastructure layer (the UPI switch) handling the transaction — enterprise-grade UPI infrastructure with direct NPCI connectivity typically delivers materially higher success rates than a basic gateway integration.
What is UPI switch infrastructure and why does it matter for large businesses?
The UPI switch is the backend layer routing transactions between banks and NPCI — for high-volume businesses, the switch's reliability directly determines uptime and transaction success during peak traffic.
Can a UPI API for business handle recurring payments, not just one-time checkout?
Yes — recurring collections run through UPI AutoPay mandates, a separate but related capability from one-time checkout APIs.
Is it possible to accept UPI payments online without a payment aggregator license?
Yes — businesses can integrate directly with a UPI infrastructure provider or TSP without holding a payment aggregator license themselves, depending on the integration model.
How does UPI switch infrastructure differ from a standard payment gateway backend?
A UPI switch connects directly to NPCI and banks with routing and failover logic built for UPI's specific transaction lifecycle, while a generic payment gateway backend typically supports multiple payment methods with less UPI-specific optimization.
Leading the next wave of UPI innovation
Build reliable payment journeys and launch new UPI capabilities through one enterprise platform.