Empowering TPAPs

with Secure, Scalable UPI Infrastructure

Build, launch, and scale UPI-powered payment applications with IndiNXT’s compliant, high-performance backend designed for Bharat’s digital finance ecosystem. Deliver seamless user experiences while maintaining trust, reliability, and regulatory alignment.

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Empowering TPAPs
Bharat's Financial Ecosystem

Powering Third-Party Application Providers with Seamless UPI Connectivity

IndiNXT provides TPAPs with enterprise-grade APIs and UPI infrastructure that simplifies complex network integrations, accelerates certification, and ensures full compliance with NPCI and RBI guidelines.

The system bridges TPAP applications with bank PSPs through a unified UPI API integration framework, built for high throughput and fault tolerance. Every transaction runs through IndiNXT’s secure, audited layers — ensuring performance, scalability, and trust across Bharat’s digital ecosystem.

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UPI API Integration for TPAPs

Unified APIs that connect TPAP apps with banks and PSPs for real-time UPI processing.

UPI API Integration for TPAPs
Real-Time Transaction Routing

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Real-Time Transaction Routing

Intelligent routing logic for dynamic UPI request handling, load balancing, and failover recovery.

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Regulatory Alignment & Audit Support

Fully compliant with UPI, NPCI, and RBI frameworks ensuring audit-readiness and transparency.

Regulatory Alignment & Audit Support
Merchant & User Management Modules

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Merchant & User Management Modules

Manage merchants, users, and credentials with secure access control APIs.

High-Availability

High-Availability
Architecture for Scale

Multi-region, high-availability architecture supporting 99.99% uptime across critical fintech infrastructure.

Architecture for Scale

UPI API Integration

UPI API Integration for TPAPs

Unified APIs that connect TPAP apps with banks and PSPs for real-time UPI processing.

UPI API Integration

Real-Time Transaction

Real-Time Transaction Routing

Intelligent routing logic for dynamic UPI request handling, load balancing, and failover recovery.

Real-Time Transaction Routing

Regulatory Alignment

Regulatory Alignment & Audit Support

Fully compliant with UPI, NPCI, and RBI frameworks ensuring audit-readiness and transparency.

Audit Support

Management Modules

Merchant & User Management Modules

Manage merchants, users, and credentials with secure access control APIs.

Merchant & User Management

High-Availability

High-Availability
Architecture for Scale

Multi-region, high-availability architecture supporting 99.99% uptime across critical fintech infrastructure.

Architecture for Scale

Built for Compliance and Trust

IndiNXT enables TPAPs to maintain compliance with every UPI regulation by embedding security, traceability, and governance directly into its infrastructure architecture. From secure key storage to transparent reporting APIs, every process is designed for auditability and institutional accountability.

Indiconnect Collect Account Developer Feature 1 - REST APIs

Secure Transaction Logging and Replay Protection

Indiconnect Collect Account Developer Feature 1 - REST APIs

Comprehensive Data Traceability and Reporting APIs

Indiconnect Collect Account Developer Feature 1 - REST APIs

Automated Encryption and Key Rotation Frameworks (HSM-based key management)

Indiconnect Collect Account Developer Feature 1 - REST APIs

Fully Regulatory-Aligned Architecture built to support continuous compliance

Fully Regulatory-Aligned

Designed for Bharat-Scale Reliability

At the heart of IndiNXT lies an infrastructure engineered to deliver consistent UPI performance and low latency at national scale. From multi-region failover systems to advanced real-time monitoring, IndiNXT ensures uninterrupted uptime for every transaction
across Bharat’s payment processing ecosystem.

1+ Crore

Transactions
Processed Daily

99.99%

Platform
Uptime

24x7

Real-Time Transaction Monitoring and Alerts

Multi-Region

Highly Available Fail Proof Architecture

Empowering Bharat’s Leading TPAPs

TPAPs building

TPAPs building compliant UPI apps using IndiNXT’s secure API architecture.

Fintechs optimising

Fintechs optimising transaction routing and payment reconciliation with real-time APIs.

PSPs launching UPI-ready

PSPs launching UPI-ready modules for merchants and users through IndiNXT’s developer suite.

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Frequently Asked Questions

IndiNXT’s TPAP Integration provides third-party application providers (TPAPs) with a unified UPI infrastructure that connects applications to banks, PSPs, and NPCI networks securely and efficiently. It ensures seamless real-time UPI transaction processing, compliance with RBI and NPCI guidelines, and delivers enterprise-grade scalability for Bharat’s growing digital finance ecosystem.

The platform’s API-first architecture eliminates integration complexity by offering pre-certified, plug-and-play UPI APIs. TPAPs can integrate quickly with bank PSPs, manage merchants and users through unified APIs, and deploy faster using IndiNXT’s sandbox environment. This reduces go-live time, enhances transaction processing efficiency, and supports full regulatory alignment from day one.

Every UPI transaction through IndiNXT’s platform is protected by AES-256 encryption, secure key management, and data isolation frameworks. The system follows RBI, NPCI, and ISO standards, embedding compliance directly into its infrastructure. It includes transaction logging, traceability APIs, and automated key rotation, ensuring continuous audit readiness for all TPAP operations.

IndiNXT guarantees 99.99% uptime, real-time monitoring, and multi-region DC–DR redundancy, enabling consistent UPI performance at Bharat scale. The platform processes over 1 crore transactions daily with minimal latency, backed by intelligent routing and load balancing mechanisms that ensure uninterrupted payments and high-speed throughput across all nodes.

IndiNXT is the preferred UPI infrastructure provider in Bharat because it combines secure APIs, regulatory trust, and performance reliability under one framework. It allows TPAPs to focus on innovation while IndiNXT handles compliance, scalability, and infrastructure management — making it the most dependable partner for UPI-enabled fintech growth in Bharat’s digital ecosystem.
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Partner with IndiNXT to Power Bharat’s Next UPI Innovation

Secure. Scalable. Seamless.

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