M2P Fintech API documentation

This guide provides a unified, cross-GTM comparison of how each type of M2P UPI partner integrates. Choose your integration model below.

GTM Integration Models

GTM	Who Builds the App	Integration Mode	Partner Calls APIs	M2P Handles NPCI	Needs SDK
Bank PSP	Partner (bank's own app)	SDK + API	✅ All UPI APIs	✅ Full switch	✅ Required
TPAP	Partner (existing app)	SDK + API	✅ All UPI APIs	✅ Full switch (via sponsor)	✅ Required
PPI	Partner (wallet app)	SDK + API	✅ UPI + Wallet APIs	✅ Full switch	✅ Required
Issuer Host	No customer app	CBS Adapter (M2P → Bank CBS)	❌ Bank exposes CBS APIs	✅ Issuer switch	❌ N/A
Acquirer Host	Partner (merchant portal)	MMS API	✅ Merchant/MMS APIs	✅ Acquirer switch	Optional

Understanding who calls whom is critical:

In Issuer Host, the direction is reversed — M2P calls the partner, not the other way around.

Channel	Bank PSP	TPAP	PPI	Issuer Host	Acquirer
Android SDK (Headless)	✅ Primary	✅ Primary	✅ Primary	❌ N/A	⚠️ Merchant SDK
iOS SDK	✅ Primary	✅ Primary	✅ Primary	❌ N/A	⚠️ Merchant SDK
Direct REST API	✅ Available	✅ Available	✅ Available	❌ N/A	✅ Primary
CBS Adapter	❌ N/A	❌ N/A	❌ N/A	✅ Primary	❌ N/A
Webhook Callbacks	✅ Required	✅ Required	✅ Required	✅ Notifications	✅ Required
Admin Portal	✅ Included	✅ Included	✅ Included	✅ Included	✅ Included
UAM Portal	✅ Separate	✅ Separate	✅ Separate	✅ Separate	✅ Separate

API Category	Bank PSP	TPAP	PPI	Issuer Host	Acquirer
Profile / Onboarding	✅	✅	✅	❌	❌
VPA Management	✅	✅	✅	❌	❌
Account Linking	✅	✅	❌ (wallet)	❌	❌
Send Money (P2P)	✅	✅	✅	❌	❌
Pay Merchant (P2M)	✅	✅	✅	❌	❌
QR Scan & Pay	✅	✅	✅	❌	❌
QR Generation	❌	❌	❌	❌	✅
Mandate / AutoPay	✅	✅	✅	❌	✅
Delegate Payment	✅	✅	❌	❌	❌
Dispute / Complaint	✅	✅	✅	✅	✅
CBS Adapter Ops	❌	❌	❌	✅	❌
Merchant Mgmt (MMS)	❌	❌	❌	❌	✅