Secure. Scalable. Seamless.
UPI Infrastructure for Bharat.
Powering the next generation of banks, fintechs, and PSPs with enterprise-grade digital finance APIs and infrastructure built for reliability and compliance.
UPI Infrastructure for Bharat.
Powering the next generation of banks, fintechs, and PSPs with enterprise-grade digital finance APIs and infrastructure built for reliability and compliance.
IndiNXT is a unified platform for issuance, acquiring, and TPAP, serving as a trusted UPI Switch and Payment Infrastructure Provider built to strengthen Bharat’s growing digital payments ecosystem.
IndiNXT delivers end-to-end payment infrastructure solutions — including UPI Switch orchestration, Issuing Switch, Acquiring Switch, TOTP Authentication, TPAP Integration, and a comprehensive Merchant Management Portal. Each solution blends secure infrastructure, operational tooling, compliance frameworks, and managed operations to ensure banks and fintechs achieve reliability, performance, and regulatory alignment.
Enterprise UPI switch tailored for banks and fintechs — real-time routing, dynamic reconciliation, and regulatory readiness.
Intuitive Merchant Management Portal for onboarding, KYC, risk scoring, lifecycle controls, and settlement dashboards.
Time-based, secure TOTP authentication for friction-free verification across banking and payments journeys.
OTP-less verification using device-bound tokens and biometric authentication to reduce friction and improve conversions.
Scalable TPAP connectivity and UPI API integration for third-party application providers to launch UPI apps faster.
Enterprise UPI switch tailored for banks and fintechs — real-time routing, dynamic reconciliation, and regulatory readiness.
Intuitive Merchant Management Portal for onboarding, KYC, risk scoring, lifecycle controls, and settlement dashboards.
Time-based, secure TOTP authentication for friction-free verification across banking and payments journeys.
OTP-less verification using device-bound tokens and biometric authentication to reduce friction and improve conversions.
Scalable TPAP connectivity and UPI API integration for third-party application providers to launch UPI apps faster.
IndiNXT operates a modular UPI Switch architecture designed to support multiple transaction roles and settlement models across Bharat’s digital payments ecosystem.
Enables banks and fintechs to issue UPI handles, manage customer credentials, and control transaction authorisation flows.
Supports merchant payment acceptance with real-time routing, settlement tracking, and reconciliation across acquiring banks and PSPs.
Handles recurring payments and standing instructions aligned with UPI 2.0 mandates, ensuring compliance, visibility, and automated execution.
Powers Third Party Application Providers with secure connectivity to bank PSPs and NPCI rails through a unified switching layer.
Ensures end-to-end reconciliation across customer, merchant, bank, and network layers for transparent settlement and audit readiness.
Our platform equips banks and payment institutions with native support for regulatory workflows, evolving UPI rails, and automated settlement operations—ensuring faster launches, simplified operations, and end-to-end visibility across the UPI ecosystem.
Built-in support for Unified Dispute and Issue Resolution (UDIR) workflows, enabling mandatory dispute handling, traceability, and resolution timelines.
Native handling of UPI Lite, UPI 2.0 mandates, and Credit Line on UPI, allowing institutions to launch and scale across evolving payment rails.
Automated reconciliation logic supporting T+0 and T+1 settlements, with exception reporting and settlement visibility across banks and PSPs.
Built for scale, reliability, and compliance across Bharat’s evolving fintech landscape.
IndiNXT ensures measurable UPI success rate, optimized UPI latency, and audited SLA visibility through a live UPI monitoring dashboard.
IndiNXT is built with an API-first architecture to support developer velocity, system interoperability, and rapid integration across banking and fintech environments.
Every product — from UPI Switch and TPAP integration to Merchant Management Portal and authentication layers — is exposed through secure, versioned APIs that enable faster onboarding, easier upgrades, and predictable performance.
This developer-centric approach allows engineering teams to integrate, test, and scale payment workflows without operational friction, while maintaining full compliance with UPI and banking standards.
Each layer reinforces transparency, observability, and control — ensuring every UPI transaction meets compliance and performance standards.
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The entry point for all digital finance interactions, the Secure API Gateway manages traffic, enforces security policies, and provides reliable routing for every request.
The high-performance Transaction Engine executes real-time UPI transaction processing, dynamic routing, and core business logic with sub-50ms latency.
The dedicated Compliance Layer automatically monitors transactions against evolving regulatory standards and flags anomalies to maintain complete adherence to NPCI and banking guidelines.
The Analytics Dashboard delivers real-time observability into platform performance, transaction success rates, and regulatory reporting for complete operational control.
The entry point for all digital finance interactions, the Secure API Gateway manages traffic, enforces security policies, and provides reliable routing for every request.
The high-performance Transaction Engine executes real-time UPI transaction processing, dynamic routing, and core business logic with sub-50ms latency.
The dedicated Compliance Layer automatically monitors transactions against evolving regulatory standards and flags anomalies to maintain complete adherence to NPCI and banking guidelines.
Explore articles and updates on digital payments, UPI trends, fintech security, and real-world learnings from Bharat’s payments ecosystem.
Connect with our experts and discover how IndiNXT can support your institution’s growth
with secure APIs,
UPI infrastructure, and enterprise-grade
reliability.
