Real-Time UPI Transactions — Fast, Scalable, & NPCI-Compliant
UPI SWITCH PLATFORM
The Core Engine Powering Seamless UPI Transactions
UPI is India’s most powerful real-time payments ecosystem. Our UPI Switch is a next-generation platform that enables banks, PSPs, and fintechs to handle millions of UPI transactions with speed, security, and intelligence. Built to be NPCI-compliant, scalable, and API-driven, it supports Pay, Collect, Mandates, P2P, P2M, IPO, BBPS, and future UPI 2.0/3.0 use cases — all from a single, robust platform.
Core Features of UPI Switch
Transaction Processing
- Supports P2P, P2M, P2PM, IPO, BBPS, UPI Lite, Credit on UPI, UPI 123PAY.
- Real-time routing with 99.99% uptime.
- Smart retries for failed transactions.
VPA & Directory Management
- Create, manage & validate VPAs (Virtual Payment Addresses).
- Secure directory sync with NPCI.
- Blocklist, suspended & inactive VPA management.
Security & HSM Integration
- HSM-backed encryption for key management.
- End-to-end secured communication with NPCI.
- Fraud & Risk Management (FRM) with AI-driven monitoring.
Settlement & Reconciliation
- Automated NPCI settlement files processing.
- Daily, intraday & instant reconciliation support.
- Exception management with dispute resolution.
Merchant & Partner Management
- Merchant onboarding (PG, QR, POS) integrated with switch.
- Sub-merchant & aggregator management.
- Reseller/partner panel for channel-driven growth.
Performance & Scalability
- Designed to handle millions of TPS (transactions per second).
- Auto-scaling architecture for peak loads.
- API-first design for smooth integration with CBS & PSPs.
Advanced Capabilities
Smart Routing & Optimization
Multi-bank routing with AI-powered prioritization for maximum transaction success.
MIS & Reporting
Real-time dashboards, exportable reports, and audit-ready logs for complete visibility.
Integration Ready
Connect effortlessly with NPCI UPI switch, CBS, PSPs, and merchant platforms via APIs and SDKs.