API Integration Integration Types Bank PSP Integration Step-by-step integration guide for banks building their own UPI app as a Payment Service Provider.
Aspect Detail Partner Type Bank with NPCI PSP license App Ownership Partner builds and owns the customer-facing UPI app Integration Mode M2P Android/iOS Headless SDK + optional Direct API M2P Role UPI Switch, Profile, Transaction, Mandate processing — full backend Partner Role App UI/UX, customer communication, bank branding
Step Action Owner 1 Setup UAT environment M2P 2 Review integration documentation Partner + M2P 3 Configure webhook callback URL Partner
UAT authentication and payload encryption are not required during initial integration for ease of debugging. Encryption is enabled at end of UAT for sanity before production.
Step API Endpoint Purpose 1 SIM Bind Request POST /upi/v1/wrapper/util/simBindReqRequest SIM binding 2 Check SIM Bind POST /upi/v1/wrapper/util/checkSimBindStatusValidate SIM binding 3 List Account Providers POST /upi/v1/wrapper/util/listAccPvdList NPCI-registered banks 4 Fetch Accounts POST /upi/v1/wrapper/profile/accountFetchReqInitiate account fetch 5 Fetch Accounts Response POST /upi/v1/wrapper/profile/accountFetchResGet account fetch result 6 Add Account POST /upi/v1/wrapper/profile/addAccountLink account to profile
If account needs UPI PIN setup:
Step API Endpoint Purpose 7 OTP Request POST /upi/v1/wrapper/profile/otpReqInitiate OTP for PIN set 8 OTP Response POST /upi/v1/wrapper/profile/otpRespCheck OTP verification 9 Set UPI PIN POST /upi/v1/wrapper/profile/reqregmobSet UPI PIN
API Endpoint Purpose Send Money (P2P) POST /upi/v1/wrapper/transaction/reqPayReqPay to another UPI ID Pay Merchant (P2M) POST /upi/v1/wrapper/transaction/reqPayReqPay merchant QR/VPA Collect Request POST /upi/v1/wrapper/transaction/reqPayReqInitiate collect request Authorize Collect POST /upi/v1/wrapper/transaction/collectAuthApprove incoming collect Fetch Collect Requests GET /upi/v1/wrapper/transaction/fetchCollectRequest/{user}List collect requests Check Txn Status POST /upi/v1/wrapper/transaction/checkTxnReqQuery transaction status Balance Inquiry POST /upi/v1/wrapper/transaction/checkBalanceReqCheck account balance Transaction History POST /upi/v1/wrapper/transaction/fetchTransactionsRetrieve transaction list
API Endpoint Purpose Get Profile POST /upi/v1/wrapper/profile/getProfileFetch all profile details Set Primary VPA POST /upi/v1/wrapper/profile/setAsPrimaryVpaSet default VPA VPA Actions POST /upi/v1/wrapper/profile/vpa/{action}Disable, delete VPA Account Actions POST /upi/v1/wrapper/profile/account/{action}Delete, enable, disable account
API Endpoint Purpose Create Mandate POST /upi/v1/wrapper/transaction/mandate/createmandateSet up recurring payment Fetch Mandates POST /upi/v1/wrapper/transaction/mandate/fetchmandateList mandates Mandate Action POST /upi/v1/wrapper/transaction/mandate/mandateActionApprove, pause, resume, revoke Execute Payment POST /upi/v1/wrapper/merchant/payment/executeExecute mandate payment
API Endpoint Purpose Create Dispute POST /upi/v1/wrapper/transaction/createDisputeRaise dispute Fetch Dispute POST /upi/v1/wrapper/transaction/fetchDisputeTrack dispute resolution
API Endpoint Purpose Delegate Add POST /upi/v1/wrapper/profile/reqDelegateAddAdd delegate Delegate Details POST /upi/v1/wrapper/profile/getDelegateDetailsFetch delegate info Delegate Action POST /upi/v1/wrapper/profile/delegateactionApprove, reject, revoke Delegate Transaction POST /upi/v2/wrapper/transaction/reqDelegateAuthInitiate delegate payment UPI Lite Enable POST /upi/v1/wrapper/lite/enableEnable UPI Lite wallet UPI Lite Top Up POST /upi/v1/wrapper/lite/topupFund UPI Lite balance UPI Lite Pay POST /upi/v1/wrapper/lite/payInstant payment from Lite
# Action Description 1 NPCI switch connectivity Establish & certify UPI switch connectivity 2 VPA handle registration Register bank's handle with NPCI 3 Tenant configuration Business configuration (type: PSP) 4 CBS adapter setup Connect to bank's Core Banking System 5 HSM integration Hardware Security Module for cryptographic operations 6 Callback registration Configure partner's webhook URL 7 Rate limit configuration Per-API rate limits 8 Admin portal setup Bank-branded admin portal 9 NPCI UAT certification Run all NPCI test scenarios 10 Production deployment Deploy to production with monitoring
# Action Description 1 Mobile app (Android + iOS) UPI app with all user flows 2 SDK integration Integrate M2P Headless SDK 3 Webhook consumer HTTP endpoint for transaction notifications 4 PIN entry UI Secure UPI PIN input (SDK provides secure input) 5 QR scanner Camera-based QR scanning for P2M 6 Intent handler Handle upi://pay?... links 7 Push notifications Firebase/APNs for payment alerts 8 Analytics & monitoring Track success rates, errors, performance
