UPI and Real-Time Payments

We build production-grade UPI systems that handle the full payment lifecycle, from registration and MPIN setup to recurring mandates and third-party bank management.
ClutchAverage review rating4.9
100+Reviews
1000+Projects Delivered

Payment Downtime Costs Millions.

UPI looks simple until you build it. 
NPCI SDK version conflicts across devices, unreliable third-party QR scanners in real-world conditions, race conditions in concurrent API calls, and weak token storage can quickly turn into failed transactions, user complaints, and compliance risks.

We build UPI systems and Real-Time Payment applications from the ground up. A custom native QR scanner enables sub-second detection even in low-light and high-traffic scenarios. We securely manage app versions and sensitive payment credentials in one controlled layer. A three-level tracking system across the bank and payment networks gives full visibility into every transaction. Built-in safeguards ensure payments never end up in confusing or incomplete states.

Client Results and Success

Digital Utility Bill Payment Service

1000+ Individual Billers Supported

The platform supports over 1K unique billers within a single, low-latency mobile interface.

International Remittance Services Provider

5 Million+ Active Users

The module successfully serves over 5 million users and processes transactions worth hundreds of crores daily.

Independent Payments Technology Firm

100% Data Integrity

Processes 230,000+ card records daily with full synchronization completed in under 30 minutes.

Middle East Boutique Payments Consultancy

MENA-Region Compliant

Immediate adherence to the UAE and Saudi Arabia’s strict data and payment laws.

Business Impacts We Have Made

< 2

Second Transactions

5M+

Monthly Active Users

< 1

Second QR Detection

1B+

Daily Transaction Volume

Our UPI and Real-Time Payments Capabilities

Complete UPI Registration and MPIN Setup

We implement the full NPCI-compliant registration flow, device binding, bank account linking, and MPIN configuration, with token management handled securely at the Keychain layer from the first session.

Custom-Built Native QR Scanner

Our QR scanner is built from scratch using native iOS and Android camera APIs rather than a third-party library. This is what produces sub-1-second detection — including in low-light conditions and on lower-end devices where off-the-shelf scanners consistently underperform.

P2P, P2M, and Self-Transfer Flows

All three core UPI transfer types are supported within a unified payment interface, with flow logic and validation appropriate to each transfer category — including payee verification, transaction limits, and confirmation handling.

UPI Collect Request with Push Notifications

Incoming collect requests surface through push notifications with the full request context available inline. Users can approve or decline without navigating away from the notification, reducing the friction that leads to collecting request abandonment.

UPI Mandate for Recurring Payments

We implement mandate creation, modification, and revocation flows for recurring UPI payments — covering setup, approval, and the edge cases around mandate execution failures and retry logic.

Biometric UPI for Small Transactions

Low-value transactions can be authenticated biometrically rather than requiring MPIN entry — reducing the friction on high-frequency small payments while maintaining the authentication boundary that NPCI requires.

Third-Party Bank UPI Management

Users can manage UPI IDs linked to banks outside the primary application — a capability not standard in most UPI implementations — giving them a single interface for their complete UPI account portfolio.

Engineering UPI and Real-Time Payments Service for Global Enterprises and Agile Startups

UPI & Real-Time Payments

We build production-grade UPI systems with custom native QR scanners, NPCI SDK integration, and transaction lifecycle management.
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Payment Gateway & SDK

We build payment gateway integrations and SDK implementations that maintain 99.9% uptime through smart routing
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Cross-Border Payments

Our cross-border payment systems support multi-currency transfers across regulatory environments.
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Digital Wallets

We build enterprise-grade digital wallet systems with a synchronisation architecture that keeps wallet state consistent across devices and sessions.
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Bill Payments

We implement BBPS-integrated bill payment flows built into a single self-service experience.
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Payments and Digital Wallet Services by People Who Have Delivered 1000+ Projects

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UPI & Real-Time Payment Systems Development - GeekyAnts