UPI API

UPI API Features

 

easy-integrations
Easy Integrations

Our API integration process is very simple and developer friendly for 3rd party applications. Support multiple languages.No lengthy codes to integrate

High-tps
High TPS

Based on 3rd party application request it support High Transaction Per Second.This API is built to handle extreme user load.

first-reconciliation
First Reconciliation

Reconciliation API module can process high-quality and accurate transaction very fast.Separate report for Commission ,service charge, Refund.

Single-account-for-all-service
Single account for all service

No need for multimle wallet for different services.Our single wallet system is bouquet of flowers for diffrent services.

Secure
Secure

Security is our highest priority.Java and oracle based API solution build in different layers which gives high security.

dashboard
Dash Board

Our dynamic Dash Board provides single window to monitor different activity.It helps to analyze Data quickly and influence future decision making.

API-Lifecycle-Management
API Lifecycle Management

Updating API regularly is our company habit.We keep new and old API live same time so that our 3rd party developer get time modify with their application.

UPI (1.0 Payment System)

National Payment Corporation of India (NPCI) had developed Unified payment Interface (UPI) , a single interface across multiple bank accounts .UPI is a Single click Two Factor authentication system, available round the clock.UPI uses Virtual ID which is very secure.


Push Payment

UPI push payment is a system for sending money using virtual address. It is very simple process user logs in to UPI application, selects the option of Send Money/Payment

then enters beneficiary’s/Payee virtual id, enter amount and PIN then user gets confirmation of successful or failure message.

Pull Payment

User logs in to his bank’s UPI application selects the option of collect money (request for payment) then enter remitters/payers virtual id, amount and account to be credited ,then The payer will get the notification on his mobile for request money. Payer now can reviews payment request then decides to click on accept or decline .

In case of accepting payment, the payer will enter UPI PIN to authorize the transaction. For accepting payment, the payer will enter UPI PIN to authorize the transaction.

Check Mini Statement

Customer can check balance his own account current balance using AADHAR Enabled Payment .Customer can do this without having any type of card like ATM,Debit ,credit etc. Also no need of smart phone and do not have to remember PIN or password.

It is very quick and available 24x7 and same process can be followed for the all bank associated this AADHAR number.

Balance Check

Customer can check balance his own account current balance using AADHAR Enabled Payment .Customer can do this without having any type of card like ATM,Debit ,credit etc. Also no need of smart phone and do not have to remember PIN or password.

It is very quick and available 24x7 and same process can be followed for the all bank associated this AADHAR number.

UPI 2.0 Payment Service

You can now link your over-draft account to UPI which was not available until now.Earlier there was no digital mode to do so and its very fast prrocess.QR can also be used for this service.UPI 2.0 will have Capture and hold facility.Merchant will be able to block a certain amount of money on their user’s cards and debit/refund it a later.

Now, merchant using UPI 2.0 payments can map refund payment so that need not to issue a fresh refund transactionusers and have clarity on the refunds made.

Payment Invoice

Earlier a collect request was sent customer and only verify the amount being paid. Now prior to making the payment customer will be able to check the invoice being paid and .in other words, customer will be able to view the bill in the UPI app, verify the details and pay the invoice and merchant will get payment.This functionality is only available for the invoices of verified merchants.

Payment Mandate for shedule payment

Merchant can pre-authorise (Mandate) a transaction, for debit from customer's bank account for later payment Or any user can shedule a payment for latter debit. UPI mandate's main feature is money is to be transferred later, however the commitment towards that is to be done now. It is possible that the sender may forget to send money later so creates a mandate or for a service/merchant payment wherein this functionality may be required. The customer's account shall get debited when the mandate is executed. UPI mandate can be executed one time only.