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.
100+Reviews
1000+Projects Delivered
Payment Downtime Costs Millions.
550+ Engagements Since 2006 — Trusted By
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.
CUSTOMER STORIES
Client Results and Success
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
Cross-Border Payments
Our cross-border payment systems support multi-currency transfers across regulatory environments.
TECHNICAL HIGHLIGHTS
Payments and Digital Wallet Services by People Who Have Delivered 1000+ Projects
Custom Native QR Scanner
NPCI SDK and Token Management
Full Audit Trails & Double-Payment Prevention
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Customized solutions and strategiesFaster-than-market project deliveryEnd-to-end digital transformation services
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Build with us.Accelerate your Growth.
- Customized solutions and strategies
- Faster-than-market project delivery
- End-to-end digital transformation services
Trusted By
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.