UPI Technology Stack
A modular UPI payment infrastructure that enables QR payments, NFC tap transactions, and credit-based UPI payments across consumer and merchant ecosystems.
Platform Architecture Overview
We provide a UPI technology framework that coordinates consumer payments, merchant acceptance, and backend transaction orchestration through a unified switching infrastructure.
UPI Switch Backend
UPI Quick Scan Module
UPI Quick Tap Module
UPI Quick Credit Module
Risk & Monitoring FrameworkConsumer Layer
Merchant Layer
Transaction Engine
Risk & Monitoring
End-to-End Platform Architecture
From consumer payment initiation to bank settlement
UPI Switch Backend
Coordinates payment routing, validates payer and payee credentials, manages transaction lifecycle events, and communicates with issuer and NPCI networks.
Transaction Processing Engine
Handles request validation, consent negotiation, mandate execution, settlement triggers, and exception handling.
Authentication Framework
Supports device binding, identity verification, token validation, and PIN or biometric authentication aligned with UPI security rules.
Mandate & AutoPay Engine
Manages recurring payment mandates including creation, modification, suspension, expiry tracking, and notification workflows.
Core Technical Capabilities
Key capabilities powering the UPI infrastructure
UPI Switch Backend
Coordinates payment routing, validates payer and payee credentials, manages transaction lifecycle events, and communicates with issuer and NPCI networks.
Transaction Processing Engine
Handles request validation, consent negotiation, mandate execution, settlement triggers, and exception handling.
Authentication Framework
Supports device binding, identity verification, token validation, and PIN or biometric authentication aligned with UPI security rules.
Mandate & AutoPay Engine
Manages recurring payment mandates including creation, modification, suspension, expiry tracking, and notification workflows.
Settlement & Reconciliation Module
Processes NPCI settlement files, merchant payout rules, dispute records, and ledger synchronization.
AI-Based Risk Engine
Analyzes behavioral patterns, transaction velocity, device attributes, and anomaly signals to detect fraudulent activity.
Extended UPI Capabilities
Supporting multiple UPI payment channels
UPI Quick Scan
UPI Quick Tap
UPI Quick Credit
AutoPay & Mandates
Merchant Onboarding
Real-Time Monitoring
Who Integrates With the Platform
Key stakeholders deploying UPI payment infrastructure
Banks & Institutions
Deploy UPI switch infrastructure for issuing and acquiring operations.
Payment Providers
Operate consumer and merchant UPI ecosystems across large networks.
Fintech Platforms
Embed QR and NFC experiences within mobile apps or super apps.
Merchants
Adopt dynamic QR and NFC-based payment experiences.
Platform Facts
Key characteristics of the UPI technology stack.
Multi-Channel Support
Full support for Quick Scan, Quick Tap, and Quick Credit channels.
NPCI-Aligned
Implements routing and dispute flows strictly aligned with NPCI specs.
AI Fraud Detection
Uses device signals and behavioral data for anomaly detection.
Credit-Enabled UPI
Supports RuPay credit card and credit line integration.
High Performance
Designed for extreme transaction throughput and scalability.
Partner With Us
Customer Trust Built on Global Reach and Consistent Reliability
0+
OEMs Partnered
0+
Countries
0+
PSPs Partnered
