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Unified Payment Interface (UPI), India’s real-time payment interface immediate money movement between member PSPs, using only a Virtual Payment Address to identify senders and recipients. 

FSS UPI’s solution for real-time payments equips PSPs with a flexible platform to streamline real-time money movement via the UPI network, and offers the extensibility to cater to a variety of use cases – P2P, P2M, P2C and C2P.

UPI Payment Gateway integrates with the central infrastructure to enable instant push/pull payments based on a virtual address, completing real-time authorizations as well as immediate payment clearing and settlement efficiently.

As customers needs evolve over time the solution allows PSPs to rapidly launch innovative overlay products and services.

Powerful analytics and AI tools coupled with FSS UPI can help PSPs reduce real-time payment fraud as well as adjust their strategies for service improvement.


FSS UPI can scale to handle
6.600 transactions per second

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Banks have
deployed FSS UPI

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FSS UPI processes over 10%
of the total UPI transactions

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Merchants have been
onboarded on the platform
till date
UPI 2.0 Ready

FSS UPI supports UPI 2.0, offering PSPs end users newer and safer ways to access the service.

Scheduled payments

Customers can set up their payment information once and create a payment schedule for all future payments.

Digitally signed QR codes

The solution supports the use of digital signatures to secure a QR code allowing payers to verify the source of the signed QR code before making a payment. A digital signature on a QR code can be initiated by either the merchant or a customer, enhancing the security for P2M as well as P2P QR-related payments.

IPO related payments

PSPs can deliver UPI as an alternative payment channel for retail investors, reduces paperwork for intermediaries, shortening the timeline for IPO – related payments.

Biometric authentication

FSS UPI PSP app supports biometric authentication for real-time money transfers instead of a UPI PIN, enhancing authentication, security, ease and reliability.

Inward international remittance

The platform facilitates inward international remittance via UPI.

UPI Prepaid Vouchers

FSS UPI now supports prepaid vouchers by integrating e-RUPI to accelerate digital payments adoption in the financially under-served segments. The UPI prepaid voucher enables customers to transfer funds for a specific purpose in real-time to any mobile number, regardless of whether the beneficiary has a bank account via an SMS string or QR code. With SMS enablement, FSS UPI prepaid vouchers also support UPI redemption on feature phones and helps reach the unbanked population.

Instant, Real-time and Secure Payments

Mobile initiated push-pull payments

FSS UPI PSP app App offers users access to multiple bank accounts and the ability to push and pull funds using a VPA.

Virtual address management

The solution securely maps VPAs to customer’s bank accounts. Customers have the complete flexibility to create a VPA for one-time use or link multiple VPAs per account.

End-to-end dispute management

FSS MobilePay allows banks to automatically alert the customer whenever transactions exceeding a certain threshold are performed on the account. Any unusual account activities are also confirmed through SMS notifications so customers can take an immediate action.

API/SDK Management

FSS UPI offers API tools as well as mobile SDK kits that enable merchants to accept UPI payments.

A mobile SDK kit embedded in the merchant’s mobile application can securely access NPCI’s common libraries for transacting through the UPI network.

Convenient Payments for Businesses

Secures Merchant Transactions

FSS UPI enables PSPs to respond to the increasing corporate demand for real-time payment services for disbursing salaries, pensions and refund claims. Corporate customers can reduce the hassle and costs associated with check disbursements. A simple file upload using a web service or via web GUI transfers funds directly to payee’s accounts within seconds of payment origination.

Notifies Merchants for Payment Guarantee

Business that rely on cash on delivery can benefit from just in time funding, enabling early cash flow and liquidity with FSS UPI. Both parties of the transaction receive confirmation when payments are completed. FSS UPI allows additional data such as invoices to be also be sent along with the payments aiding reconciliation.

Customer/Merchant Onboarding
and Management

The solution allows merchants with a UPI linked bank account to be onboarded seamlessly after verification. A comprehensive web portal helps PSPs set up merchant profiles, define fees, complex merchant hierarchies, issue and manage merchant VPAs, and effectively monitor merchant activities such as spikes in activities, exceeding thresholds.

Merchant Payments

FSS UPI enables merchants can accept UPI payments, in-store, over the web and supports in app payments.

Collect payment requests

Merchants can generate a Collect Payment request to a VPA via the Merchant PSP app. Customers can accept the collect request by entering the UPI PIN and the payment is credited to the merchant after debiting the customer’s account.

QR enabled payments

FSS UPI offers merchants the ability to accept QR payments. The solution supports static and dynamic QR payments.

Shopping cart checkout

Merchants can offer customers the option to pay using UPI at checkout on their website.

In-App payments

FSS UPI App can direct customers to the merchant’s payment page within the PSP app to complete a purchase.

Uses Predictive Data to Identify and Mitigate Fraud

FSS UPI can integrate with FSS Sentinel to uniquely build customer and merchant profiles and block suspicious transactions that deviate from normal and expected behavior. FSS Sentinel deploys sophisticated ML-based algorithms to manage payment risks – onboarding risk, agency risk and transaction risk.

Real-time Transaction Reports

To gain insights into channel performance, PSPs can view and download standard reports on:

  • Registered users (active/non-active)
  • Transactions
  • Channels
  • Financial/Non-financial transactions
  • Transaction amount
  • User-activity
  • System uptime
  • MIS Reports

Protects Real-time Payments

FSS UPI offers maximum security to end users at both the application as well as transaction level.

  • Encrypts all sensitive data stored in the PSP App
  • Secures collect request transactions by notifying the payer of the sender’s name. This way users can block spam collect requests
  • Assures users of verified merchants to users
  • Enables hard-binding of the mobile device with the mobile number
  • Uses the UPI PIN as the second factor of authentication
  • The solution ensures the UPI PIN and OTP are securely captured in the NPCI utilities and libraries embedded within the FSS UPI App
  • Implements two-factor authentication - As the second factor of authentication PSPs can enable biometric authentication
  • Implements OWASP best practices
Benefits to PSPs
Benefits to Merchants
Benefits to Customers

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