Powering Bharat’s Digital Payments with
Experience enterprise-grade reliability, flexibility, and speed with IndiNXT — a UPI switch provider built for secure fintech infrastructure, processing millions of transactions seamlessly every day across Bharat.
IndiNXT’s UPI switch forms the backbone of Bharat’s digital finance network, designed for banks, PSPs, and fintechs that demand scale, uptime, and compliance.
Built as a unified switch infrastructure, it combines issuing and acquiring capabilities under a single architecture — delivering real-time UPI routing, low latency, and transparent payment reconciliation. The switch integrates seamlessly with core systems through API-first design, ensuring adaptability for every participant in the payment processing value chain.
Executes every UPI transaction with precision and low latency through advanced UPI routing APIs.
Connect multiple issuers, acquirers, and PSPs using one standardized integration framework.
Single infrastructure enabling both issuing and acquiring operations under strict compliance.
Intelligent routing with automated reconciliation and UPI settlement files.
Built for interoperability, with support for UPI mandates, Autopay, and newer network extensions.
Executes every UPI transaction with precision and low latency through advanced UPI routing APIs.
Connect multiple issuers, acquirers, and PSPs using one standardized integration framework.
Single infrastructure enabling both issuing and acquiring operations under strict compliance.
Intelligent routing with automated reconciliation and UPI settlement files.
Built for interoperability, with support for UPI mandates, Autopay, and newer network extensions.
The IndiNXT Issuing Switch enables regulated entities to issue UPI handles, manage VPAs, and validate digital credentials across customers and networks.
With robust API-driven issuing workflows, banks and fintechs gain total control over issuance, authentication, and handle lifecycle management.
VPA Creation and Management
Instant Handle Activation and Revocation
Dynamic Key and Token Management
Core Banking Integration APIs
The IndiNXT Acquiring Switch enables acquirers and PSPs to process merchant payments at scale through secure APIs and automated settlement engines.
From onboarding to reconciliation, every transaction is tracked, validated, and routed efficiently with enterprise-grade observability.
Merchant Lifecycle Management APIs
Transaction Routing and Settlement Automation
Dynamic Reconciliation Engine
Real-time monitoring and Transaction Analytics and Reporting
The IndiNXT PSP Switch is designed to support Payment Service Providers with a high-performance switching layer that manages transaction orchestration, routing, and network connectivity across banks and UPI rails.
It enables PSPs to operate with predictable throughput, real-time visibility, and strong governance while meeting regulatory and network requirements across Bharat’s digital payments ecosystem.
PSP Transaction Routing & Orchestration
Real-Time UPI Request Handling and Callbacks
Multi-Bank Connectivity Management
Automated Settlement and payment reconciliation
Real-time monitoring and Operational Dashboards
Engineered for always-on uptime, secure routing, and consistent service levels — IndiNXT sets
benchmarks for modern UPI infrastructure performance.
Transactions Processed Daily
Platform
Uptime
Average Response
Time
Highly Available Fail Proof Architecture
Every transaction through IndiNXT is protected with multi-layer encryption, governed by PCI DSS compliance India and ISO-compliant frameworks. With dedicated role-based access control (RBAC), HSM-secured keys, and continuous observability, the platform ensures compliance for both issuing and acquiring entities.
AES-256 Data
Encryption and
Tokenization
Layered Data
Isolation
Framework
Multi-Factor
and TOTP
authentication
Regulatory-Aligned UPI
switch
governance
architecture
Advance Bharat’s UPI Payments with IndiNXT’s
Unified Switch Infrastructure