India's UPI stack,
built sovereign.
One cloud-native platform for the entire UPI lifecycle — acquiring, issuing, and TPAP rails for banks, PPIs, fintechs and merchants. Launch a modern UPI business without stitching a dozen vendors together.
India's UPI pulse, engineered for scale.
Self-healing systems, horizontally & vertically sharded databases, and an active-active multi-DC architecture — sovereign and India-hosted end to end.
Available cloud stacks, active-active multi-DC failover
Designed for India-scale concurrent volume
<100ms processing time, near-zero technical declines
Real-time alerts, deep analytics & dedicated support
Three stacks. One sovereign platform.
End-to-end UPI for merchants & TPAP apps, plus issuing & acquiring rails for banks — switch between them without changing vendors.
PSP-grade UPI acquiring on cloud
Industry-first UPI PSP on cloud — collect, QR, and merchant payouts with intelligent routing and 99.99% uptime.
UPI issuing & credit-on-UPI
Run a bank's UPI PSP on cloud — account linking, UPI Lite, AutoPay, and credit-line / RuPay credit card on UPI.
Become a UPI app in weeks
Ship best-in-class in-app UPI with an SDK + S2S APIs — India's first cloud UPI stack, with 90%+ success rates.
From intent to settlement in one hop.
Payer scans QR or approves a collect/AutoPay request
ZyroAI switch picks the optimal path & PSP
NPCI + remitter bank validate & debit
Inline fraud & risk checks before credit
Beneficiary credited, reconciled T+0
Everything the UPI rail can do, in one API.
Intent, collect & link-based payments
Instant disbursals to any UPI handle
Static & per-txn QR with auto-amount
Recurring debits & subscriptions
PIN-less small-value payments
Credit-line & RuPay CC on UPI
One-click reversals with tracking
Automated settlement & reporting
One clean API for every rail.
Consistent auth, idempotent requests, and real-time webhooks across acquiring, issuing and TPAP. Create a collect request in a single call.
Read the API reference# Create a UPI collect request curl -X POST https://api.zyroai.com/v1/upi/collect \\ -H "Authorization: Bearer $ZYRO_KEY" \\ -d '{ "vpa": "customer@zyro", "amount": 2499, "note": "Order #90412", "autopay": false }' # → { "txn_id":"UPI-8823", "status":"ROUTING", # "sr_predicted":0.94 }
Shipped alongside India's UPI journey.
UPI goes live on NPCI rails
UPI 2.0 — mandates & overdraft
UPI123Pay & AutoPay scale
RuPay Credit Card on UPI
Conversational UPI & Lite X
UPI Circle & 360 features
Launch a modern UPI business.
Acquiring, issuing and TPAP on one sovereign, India-hosted platform — go live in weeks, not quarters.