GeekyAnts
Fintech
UPI & Real-Time PaymentsPayment Gateway & SDKCross Border PaymentsDigital WalletsBill Payments

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.
Clutch 4.9 rating with 5 stars
100+Reviews
1000+Projects Delivered

Payment Downtime Costs Millions.

NDA Protected
Response within 24hrs
No Obligation

550+ Engagements Since 2006 — Trusted By

khataBook
Bambu
Jupiter.Money
goosehead insurance
coinup
PayPenny
ICICI
Sprive
PayPoint
Elever
Elinvar
Bajaj
LAZYPAY
RazorPay
kane
kingsley Gate
Amana
khataBook
Bambu
Jupiter.Money
goosehead insurance
coinup
PayPenny
ICICI
Sprive
PayPoint
Elever
Elinvar
Bajaj
LAZYPAY
RazorPay
kane
kingsley Gate
Amana
khataBook
Bambu
Jupiter.Money
goosehead insurance
coinup
PayPenny
ICICI
Sprive
PayPoint
Elever
Elinvar
Bajaj
LAZYPAY
RazorPay
kane
kingsley Gate
Amana

CUSTOMER STORIES

Client Results and Success

Digital Utility Bill Payment Service

1000+ Individual Billers Supported

We developed a centralized dashboard for managing and paying all utilities—including electricity, water, internet, and donations—from a single interface. The system integrates SmartPay for automated recurring transactions, ensuring on-time payments without manual intervention.

International Remittance Services Provider

5 Million+ Active Users

We re-engineered a core transfer system to support both domestic and international real-time transactions. The platform was built with a focus on full accessibility, making it usable even for visually impaired members.

Independent Payments Technology Firm

100% Data Integrity

We synchronized millions of daily card records between banks and digital wallets. By deploying Anjuna Secure Enclaves, we created a confidential computing environment where financial data remains encrypted even during active processing.

Middle East Boutique Payments Consultancy

MENA-Region Compliant

We built a custom payment tool for business owners in the MENA region that automates payment tracking and legal invoice generation. The SDK was built to be compliant with regional banking regulations (SAMA and PDPL) from day one.

RESULTS DELIVERED

Business Impacts We Have Made

< 2
Second Transactions
End-to-end UPI processing, from initiation to confirmation, in under two seconds.
5M+
Monthly Active Users
Sustained at scale with zero performance degradation.
< 1
Second QR Detection
Custom-built native QR scanner enables sub-second detection in real-world conditions.
1B+
Daily Transaction Volume
High-throughput backend ensuring reliable, accurate processing at massive scale.

OUR SERVICES

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.

OUR OFFERINGS

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.

Payment Gateway & SDK

We build payment gateway integrations and SDK implementations that maintain 99.9% uptime through smart routing&nbsp;

Cross-Border Payments

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

Digital Wallets

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

Bill Payments

We implement BBPS-integrated bill payment flows built into a single self-service experience.

TECHNICAL HIGHLIGHTS

Payments and Digital Wallet Services by People Who Have Delivered 1000+ Projects

Custom Native QR Scanner

Instead of using slow, off-the-shelf tools, we built our QR scanner from scratch using native code. By talking directly to the phone’s camera hardware, we achieve sub-1-second scan speeds. This ensures a smooth experience for your 5M+ users, even on older or budget devices.
Custom Native QR Scanner

NPCI SDK and Token Management

Full Audit Trails & Double-Payment Prevention

Featured content

Our Latest Thinking in UPI and Real-Time Payments

Discover the latest blogs on Our Latest Thinking in UPI and Real-Time Payments, covering trends, strategies, and real-world case studies.
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Oct 6, 2021

Integrating Payment Systems: A Proven Strategy For Skyrocketing Sales

A short read on how integrating payment systems can have massive benefits for your business

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Build with us.Accelerate your Growth.

Customized solutions and strategiesFaster-than-market project deliveryEnd-to-end digital transformation services

Trusted By

Build with us.
Accelerate your Growth.

  • Customized solutions and strategies
  • Faster-than-market project delivery
  • End-to-end digital transformation services

Trusted By

WeworkSKFDardenOlive GardenGoosehead InsuranceThyrocare
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What You Need to Know

FAQs About Our UPI and Real-Time Payments Service

Third-party QR libraries are built for general use cases. In a payments context, detection speed and reliability across device types and lighting conditions directly affect transaction completion rates. Our scanner is built on native camera APIs — Objective-C on iOS, Java on Android — which gives us control over frame processing, focus behaviour, and fallback logic that a library wrapper does not expose. The result is sub-1-second detection in real-world conditions, including on lower-end devices that represent a significant share of the active user base.