Custom UPI payment api?

Question

I would like to know if it's possible to create custom UPI api. I want to know how to verify UPI transactions. I don't want to use any third party softwares.

I am asking if there is some kind of api from NPCI. Or something. It will be great if someone could help with this.

I want to receive the UPI payment and verify the payments. Just like other payment gateways without using any third party payment gateways. I just need UPI nothing else.

I am aware of the api's provided by banks

Example:

• https://developer.icicibank.com
• https://developer.federalbank.co.in/fedbnkdev/dev/getting-started
• https://apihub.yonobusiness.sbi

Is there something by NPCI or something like that.

Answer 1

To get access to NPCI directly you have to be a registered fintech.

Possible things you can do:

1. Bank API's: different banks do provide apis - you could do and check those.
2. Third party providers offering UPI Deeplinks, custom VPA address etc - similar to a payment gateway - more link white labeled PG.

Example of such providers:

• https://docs.setu.co/payments/upi-deeplinks/overview
• https://developers.instantpay.in/reference/collections-qr-dynamic

These are the only ways to get notified on UPI payments status.