Enable high-performance UPI payment routing, processing, and switching through a secure, scalable infrastructure.

Viyona’s UPI Switch platform empowers banks, fintechs, and enterprises to process real-time transactions, manage users, and scale UPI operations with reliability and compliance.
Watch Video

Key Features

  • Real-Time Transaction Processing Engine

    Handles high-speed payment routing for send, collect, and merchant transactions across UPI networks.

  • Complete UPI Feature Stack Support

    Supports VPA creation, account linking, collect requests, QR payments, intent-based payments, and transaction history.

  • User & Account Management Capabilities

    Customer onboarding, UPI PIN setup/reset, bank account linking/unlinking, and balance inquiry features.

  • Central Mapper Integration

    Optimized routing of transactions across participating banks for faster processing and reliability.

  • Mandate & Recurring Payment Support

    Enable UPI mandates for subscription and auto-debit payment models.

  • Multiple Integration Options

    Server-to-server APIs, native SDKs (Android/iOS), React Native SDK, and headless SDK for custom UI.

  • High Availability Cloud Infrastructure

    AWS-based deployment with multi-layer architecture for performance, resilience, and scalability.

  • Enterprise Security Framework

    Multi-factor authentication, encrypted traffic, DDoS protection, role-based access, and compliance-ready setup.

How eKYC Setu Works

  • User Onboarding & Setup

    Users register, link bank accounts, create VPAs, and set up UPI PIN securely.

  • Payment Initiation

    Transactions are triggered via QR scan, VPA transfer, intent flow, or collect requests.

  • Intelligent Transaction Routing

    UPI Switch routes payment requests securely to banks through optimized routing channels.

  • Authentication & Processing

    User authentication via UPI PIN confirms and authorizes the transaction.

  • Real-Time Settlement Confirmation

    Transaction status, confirmations, and logs are updated instantly across systems.

REGUREGULATOR-WISE FOR UPI SWITCH

Usecases 

Banks
  • Launch own UPI app infrastructure
  • Handle high-volume customer transactions
  • Manage VPA, mandates, and collect requests
Fintech Platforms
  • Build UPI-based payment apps
  • Integrate real-time transfer capabilities
  • Enable QR & intent-based payments
NBFCs
  • Loan disbursement via UPI
  • EMI collections through UPI mandates
Merchant Platforms
  • QR-based payment acceptance
  • Instant checkout payment flows
Digital Ecosystems
  • Super apps
  • Wallet-linked UPI services
  • Payment-enabled platforms

Why Choose Viyona Fintech for UPI Switch?

  • High-Performance Switching Engine

    Built to handle large transaction volumes with low latency and real-time processing.

  • Complete UPI Ecosystem Coverage

    Supports onboarding, payments, collect flows, mandates, and transaction management.

  • Flexible Integration Models

    API, SDK, and headless integration options for faster time-to-market.

  • Secure Cloud-Native Infrastructure

    AWS-based deployment with encrypted storage, IAM controls, and compliance-ready architecture.

  • Optimized Payment Routing

    Central mapper integration ensures efficient routing across banking networks.

  • Built for Scale & Reliability

    Multi-layer architecture designed for continuous uptime and high availability.

  • Compliance-Ready Platform

    Aligned with NPCI standards, PCI-DSS requirements, and enterprise security protocols.

Start Your UPI Switch Integration

Share your details and our onboarding team will guide you through technical integration, certification, and production deployment of your UPI Switch setup.

    OUR EXPERT'S ANSWER

    Commonly Asked Questions 

    What is a UPI Switch?
    A UPI Switch is the core transaction processing engine that routes and manages real-time UPI payment requests between applications, banks, and NPCI.
    Who can use this solution?
    Banks, fintechs, and enterprises building UPI-enabled payment platforms.
    Does it support QR and intent-based payments?
    Yes. The platform supports QR payments, intent flows, collect requests, and VPA transfers.
    Can it handle recurring mandates?
    Yes. UPI mandates and subscription-based auto-debits are supported.
    Is it secure and compliant?
    Yes. The infrastructure includes MFA, encrypted traffic, DDoS protection, and alignment with NPCI standards.
    UPDATIONS

    Follow our updates to know about new technologies

    Insights and updates from the world of fintech.
    Li. Ig.
    Scroll to top