01 · UPI Infrastructure

India's UPI switch,
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.

Book a demo Explore the stack
RBI-aligned NPCI standards Bank-grade security controls Audit-ready controls
One stack · every UPI participant
Scheduled Banks PPIs TPAP Apps Fintechs Merchant Platforms NBFCs
Performance & reliability

Built so one slow bank doesn't sink your success rate.

Every transaction is traced hop by hop, from your app to NPCI to the banks. When one bank leg is struggling, traffic goes to one that isn't. Nothing leaves Indian data centres.

Uptime
99.99%

Design target, with failover across two Indian data centres

Declines
Per bank

Technical and business declines tracked per bank and per NPCI code

Hosting
India

On your premises or in an Indian cloud region

Visibility
24×7

Real-time alerts, deep analytics & dedicated support

Three UPI stacks

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.

For banks & merchant platforms

PSP-grade UPI acquiring on cloud

A complete UPI PSP, run on cloud. Collect, QR and merchant payouts, with routing that retries through whichever bank is healthy. 99.99% uptime design target.

Collections & Dynamic QRIntent, collect and static/dynamic QR
Smart routing & retriesAuto-failover across banks to lift success rates
Merchant onboardingSub-merchant KYC, MDR config & instant go-live
Settlement & reconciliationT+0 settlement with automated reconciliation
Merchant / QRcollect intent
ZyroAI Acquiring PSProuting + retries
NPCI SwitchUPI rails
SettlementT+0 reconciliation
For issuer banks

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.

Account linking & MPINDevice binding, MPIN set/reset & balance enquiry
Credit & RuPay CC on UPIIssue credit-line and RuPay credit card on UPI
UPI Lite & AutoPaySmall-value PIN-less pay and recurring mandates
Risk & fraud controlsVelocity, device & behavioural checks inline
Account linkingdevice binding + MPIN
ZyroAI Issuing PSPcloud, multi-DC
Credit / RuPay on UPIissuing rails
Core bankingbalance + ledger
For TPAP & PPI apps

Become a UPI app in weeks

Put UPI inside your own app with a drop-in SDK and server-to-server APIs. Your brand on the screen, our rails underneath.

Drop-in SDKNative in-app UPI for Android, iOS & web
S2S APIsRegister, pay, collect & mandate over clean REST
NPCI registrationSponsor-bank handle, PSP onboarding & certification
Bank-aware routingRetries go to whichever bank leg is healthy
Your app SDKin-app UPI
S2S APIsregister + pay
ZyroAI TPAP railsrouting & retries
Sponsor bank + NPCIPSP handle
How it works

From intent to settlement in one hop.

Initiate

Payer scans QR or approves a collect/AutoPay request

Route

ZyroAI switch picks the optimal path & PSP

Authorise

NPCI + remitter bank validate & debit

Verify

Inline fraud & risk checks before credit

Settle

Beneficiary credited, reconciled T+0

Capabilities

Everything the UPI rail can do, in one API.

Collections

Intent, collect & link-based payments

Merchant Payouts

Instant disbursals to any UPI handle

Dynamic QR

Static & per-txn QR with auto-amount

AutoPay Mandates

Recurring debits & subscriptions

UPI Lite

PIN-less small-value payments

Credit on UPI

Credit-line & RuPay CC on UPI

Refunds

One-click reversals with tracking

Reconciliation

Automated settlement & reporting

Developer first

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
collect.sh
# 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 }
Built with the ecosystem

Shipped alongside India's UPI journey.

2016

UPI goes live on NPCI rails

2019

UPI 2.0 — mandates & overdraft

2021

UPI123Pay & AutoPay scale

2022

RuPay Credit Card on UPI

2023

Conversational UPI & Lite X

2025

UPI Circle & 360 features

LIVE RAIL
Collect. Settle. Reconcile.
A UPI request raised, paid and settled — the loop your customers never see.
₹ 4,500Collect request · UPI
Settled
FOR DEVELOPERS

One call to collect.

Illustrative shape — full reference shared during onboarding.

curl -X POST https://api.zyroai.com/v1/upi/collect \
  -H "Authorization: Bearer $ZYRO_KEY" \
  -d '{
    "vpa": "customer@bank",
    "amount": 149900,
    "reference": "INV-2091",
    "risk_check": true
  }'

# → { "status": "pending", "risk": { "score": 8, "verdict": "cleared" } }
Request sandbox access
We share API docs and sandbox keys during onboarding.

Launch a modern UPI business.

Acquiring, issuing and TPAP on one sovereign, India-hosted platform. Go live in weeks, not quarters.

Book a demo Talk to payments team
UPI switch, explained

What is a UPI switch?

A UPI switch is the system that connects a bank, payment service provider (PSP) or fintech to NPCI's UPI network. It receives every UPI request — pay, collect, mandate and QR — validates it, talks to the bank's core banking system and returns the result to the customer's app in real time. Every bank and PSP on UPI needs one, whether it builds its own or uses a provider such as ZyroAI.

How a UPI payment moves through the ZyroAI UPI switch

  1. The customer's UPI app sends the payment request to the PSP.
  2. The ZyroAI UPI switch validates the request and routes it to NPCI.
  3. NPCI asks the payer's bank to debit the account and the payee's bank to credit it.
  4. The switch receives the result, posts it to the bank's systems and updates the app and merchant.
  5. Reversals, disputes and reconciliation files are handled on the same platform.

What to look for in a UPI switch provider

Running a business rather than a bank? Accept UPI with ZYRO’s QR and soundbox. New to the topic? Read What is a UPI switch? on the ZYRO blog, or see the ZyroAI IMPS switch.

FAQ

UPI switch & UPI Stack — frequently asked questions

What is a UPI switch?

A UPI switch connects a bank, PSP or fintech to NPCI's UPI network. It receives, validates and routes UPI pay, collect, mandate and QR requests and returns the result to the customer's app in real time.

Who needs a UPI switch?

Banks, payment service providers, PPI issuers, TPAP apps and fintechs that connect to UPI directly. Merchants that only accept UPI payments do not need their own switch.

What is the difference between a UPI switch and a payment gateway?

A payment gateway helps merchants accept online payments. A UPI switch is core infrastructure that connects a bank or PSP to NPCI and processes UPI transactions on the bank side.

What is ZyroAI's UPI Stack?

A sovereign, India-hosted UPI platform covering acquiring, issuing and TPAP — run merchant payments, issue PPIs and handles, and build a payments app on one stack.

Does it support UPI AutoPay and RuPay Credit Card on UPI?

Yes. The stack supports current NPCI UPI features, including AutoPay mandates, UPI Lite and RuPay Credit Card on UPI.

Is the UPI Stack RBI and NPCI compliant?

It is engineered to align with RBI and NPCI frameworks, with India-hosted infrastructure and in-country data residency.

How do I integrate the UPI Stack?

Through documented REST APIs and SDKs. Acquiring, issuing and TPAP share one platform, so you integrate once and ship faster.