{"id":2458,"date":"2025-05-05T18:04:13","date_gmt":"2025-05-05T10:04:13","guid":{"rendered":"https:\/\/deekpay.com\/?p=2458"},"modified":"2025-05-05T18:04:13","modified_gmt":"2025-05-05T10:04:13","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%bc%80%e5%8f%91%e8%80%85%e5%b9%b3%e5%8f%b0%e6%b1%87%e6%80%bb","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/05\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%bc%80%e5%8f%91%e8%80%85%e5%b9%b3%e5%8f%b0%e6%b1%87%e6%80%bb\/","title":{"rendered":"Summary of Indian Payment System Developer Platforms"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts72.mm.bing.net\/th?q=phonepe71\" alt=\"Summary of Indian Payment System Developer Platforms\" title=\"Summary of Indian Payment System Developer Platforms\"><\/p>\n<p>Here's a roundup of the major payment system developer platforms in India, covering key areas like UPI, wallets, banking APIs, etc. for developers:<\/p>\n<hr>\n<h3><strong>1. Unified Payment Interface (UPI) ecology<\/strong><\/h3>\n<ul>\n<li>\n<p><strong>NPCI Official Platform<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/www.npci.org.in\/what-we-do\/upi\/product-overview\">UPI Developer Portal<\/a><\/li>\n<li>Provides: API specification, sandbox environment, merchant onboarding process.<\/li>\n<li>Applicable scenarios: collection (Collect), payment (Pay), subscription payments, etc.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Third party PSPs (Payment Service Providers)<\/strong><br \/>\nAuthenticated access through Co-operative Bank\/NPCI is required:<\/p>\n<ul>\n<li><strong>Paytm Payment Gateway<\/strong> (<a href=\"https:\/\/developer.paytm.com\/docs\/\">(computer) file<\/a>)<\/li>\n<li><strong>Razorpay UPI API<\/strong> (<a href=\"https:\/\/razorpay.com\/docs\/payments\/payment-methods\/upi\/\">(computer) file<\/a>)<\/li>\n<li><strong>PhonePe for Business<\/strong> (<a href=\"https:\/\/developer.phonepe.com\/v1\/reference\/introduction\">(computer) file<\/a>)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>2. Aadhaar payments and authentication<\/strong><\/h3>\n<ul>\n<li><strong><a href=\"https:\/\/uidai.gov.in\/en\/knowledge-hub\/aeps.html\">Aadhaar Enabled Payment System (AEPS)<\/a><\/strong><br \/>\nBiometric based cash withdrawals and transfers, registration as AUA\/KUA is required.<\/li>\n<\/ul>\n<hr>\n<h3><strong>3. RuPay card network<\/strong><\/h3>\n<ul>\n<li><strong><a href=\"https:\/\/www.npci.org.in\/what-we-do\/rupay\/products\">RuPay Developers<\/a><\/strong><br \/>\nSupports issuer and acquirer APIs for card-based transaction processing.<\/li>\n<\/ul>\n<hr>\n<h3>4. BBPS (Bharat Bill Pay System)<\/h3>\n<ul>\n<li><strong><a href=\"\">BBPS API Hub<\/a>(NPCI authorised access required)<\/strong><br \/>\nStandardised bill payment platforms (utilities, phone bills, etc.) with registered entity access only.<\/li>\n<\/ul>\n<hr>\n<h3>5. Payment Gateways &amp; Aggregators<\/h3>\n<table>\n<thead>\n<tr>\n<th>Provider<\/th>\n<th>Documentation Link<\/th>\n<th>Key Features<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Razorpay<\/td>\n<td>https:\/razorpay.com\/docs<\/td>\n<td>UPI, Subscriptions, International<\/td>\n<\/tr>\n<tr>\n<td>PayU<\/td>\n<td>https:\/devguide.payu.in<\/td>\n<td>Tokenisation, EMI Options<\/td>\n<\/tr>\n<tr>\n<td>CCAvenue<\/td>\n<td>https:\/www.ccavenue.com\/devcenter.jsp<\/td>\n<td>Multi-bank support<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h2>6. Bank APIs via Account Aggregators<\/h2>\n<p>Based on the Reserve Bank of India (RBI) AA framework:<br \/>\n&#8211;<strong>Setu AA Sandbox<\/strong>(http:sandbox.setu.co\/)<br \/>\n&#8211;<strong>Finvu<\/strong>(http:developers.finvu.in\/)<\/p>\n<h2>Allow user data sharing (with consent) and integration of financial information.<\/h2>\n<h2>7. Wallet &amp; Closed Loop Systems<\/h2>\n<p>&#8211;<strong>Amazon Pay API<\/strong>(http:developer.amazon.com\/apay)<br \/>\n&#8211;<strong>MobiKwik Developer Kit<\/strong>(http:docs.mobikwik..com)<\/p>\n<hr>\n<h2>8. Regulatory Compliance Tools<\/h2>\n<p>&#8211;<strong>RBI's PA-DSS Guidelines<\/strong>:: Safety standards that must be followed.<br \/>\n&#8211;<strong>Token Vaults<\/strong>:: e.g. Visa\/Mastercard solutions.<\/p>\n<hr>\n<h1># Development Resource Recommendations.<\/h1>\n<p>1.<strong>GitHub NPCI Samples<\/strong>:: Official code sample library.<br \/>\n2.<strong>Postman Collections<\/strong>:: Most gateways provide test collections.<\/p>\n<p>Notes.<br \/>\n\u2705 All production level access requires corporate entity qualification + RBI\/NPCI approval.<br \/>\n\u2705 Sandbox environments are usually open for testing (e.g. PhonePe Sandbox).<\/p>\n<p>It is recommended that tiers be selected based on specific use cases.<br \/>\n-SMEs \u2192 use of aggregation schemes such as Razorpay\/Paym.<br \/>\n-Large Enterprises\u2192Direct UP\/Bbps rate reduction.<\/p>\n<p>Need a more detailed guide in a certain direction can be further clarified!<\/p>\n<p>Here are advanced additions to the Indian payments developer ecosystem, covering more segments and utilities:<\/p>\n<hr>\n<h3><strong>9. Emerging payment methods and APIs<\/strong><\/h3>\n<h4><strong>A. Cross-border payment solutions<\/strong><\/h4>\n<ul>\n<li>\n<p><strong>RBI Cross Border UPI<\/strong><\/p>\n<ul>\n<li>Cross-border UPI facilitated by NPCI International Division (NIPL) (<a href=\"https:\/\/www.npci.org.in\/International-Payments\">Case References<\/a>)<\/li>\n<li>Scenario: Indian merchants receiving overseas payments (e.g. Singapore, UAE and other partner countries)<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Visa Direct \/ Mastercard Send<\/strong><br \/>\nReal-time cross-border transfer API, requires banking partner access.<\/p>\n<\/li>\n<\/ul>\n<h4><strong>B. CBDC (digital rupee) pilot project<\/strong><\/h4>\n<ul>\n<li><strong><a href=\"https:\/\/rbicdr.org\/\">e\u20b9 Pilot Developer Kit<\/a><\/strong> (RBI Digital Currency)<br \/>\nParticipation in the pilot is currently limited to invited financial institutions offering simulators to test inter-wallet transfers.<\/li>\n<\/ul>\n<hr>\n<h3><strong>10. Merchant Services Enhancement Tool<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>Type of service<\/th>\n<th>Examples of providers<\/th>\n<th>API Documentation Link<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Dynamic QR code<\/strong><\/td>\n<td>BharatQR (NPCI Standard)<\/td>\n<td><a href=\"https:\/\/www.npci.org.in\/Bharat-QR\">technical specification<\/a><\/td>\n<\/tr>\n<tr>\n<td><strong>BNPL staging<\/strong><\/td>\n<td>LazyPay, Simpl<\/td>\n<td><a href=\"https:\/\/getsimpl.com\/developers\">Simpl Integration Guide<\/a><\/td>\n<\/tr>\n<tr>\n<td><strong>POS Terminal SDK<\/strong><\/td>\n<td>Mswipe, Ezetap<\/td>\n<td><a href=\"http:\/\/\/en\/docs.ezetap.com\/\">Ezetap Android SDK<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h3>11. Agri\/Rural scenario-specific programme<\/h3>\n<p>&#8211;<strong>eNAM Agricultural Market Payment Gateway<\/strong>(http:enam.gov.in\/webapi\/)<br \/>\nCustomised settlement interface for agricultural transactions.<br \/>\n&#8211;<strong>Airtel Payments Bank Rural API<\/strong>:: Support for synchronisation of transactions at offline agent outlets.<\/p>\n<hr>\n<h2>12. Open Banking Extension<\/h2>\n<p>There is no official open banking policy, but similar functionality is achieved through the following:<br \/>\n1.<strong>Yodlee India<\/strong>(http:developer.yodlee.com)-Account Aggregation (User Authorisation Required)<br \/>\n2.<strong>Finbox Connect<\/strong>(http:docs.finbox.in)-Cash Flow Analysis API<\/p>\n<hr>\n<h2>13. Test and debug toolkit<\/h2>\n<p>1.<strong>NPCI UPI Simulator App<\/strong>(Google Play download) - Simulates various error response codes.<br \/>\n2.<strong>Postman for BBPS<\/strong><a href=\"\">Collection Download<\/a>-Pre-configured billing enquiry templates.<\/p>\n<hr>\n<h1># Depth Development Proposal.<\/h1>\n<h3>A. Security Compliance Mandatory<\/h3>\n<p>1.<strong>PCI-DSS Certification<\/strong>:: Processing card data must be Level 4 compliant.<br \/>\n2.<strong>Tokenisation migration<\/strong>:: Prohibition of storage of original card numbers after 2023 (RBI directive).<\/p>\n<h3>B. Performance optimisation techniques<\/h3>\n<ul>\n<li>UPI batch processing: using<code>v3\/txn\/bulk<\/code>interface reduces the overhead of high-frequency requests.<\/li>\n<li>Failover Policy: Simultaneous access to 2 PSPs to avoid single point of failure.<\/li>\n<\/ul>\n<hr>\n<h1># Common Treading Points.<\/h1>\n<p>\u26a0\ufe0f Trap 1: Ignoring Mandate rules (regular collections require clear user agreement on periodicity).<br \/>\n\u26a0\ufe0f Trap 2: Failure to process \"TPV accounts\" (special checking logic for third-party verified accounts).<\/p>\n<p>Examples of calls that require a specific type of API or best practices for a particular vertical (e.g., education, healthcare payments) can be explored further!<\/p>","protected":false},"excerpt":{"rendered":"<p>Here's a roundup of the major payment system developer platforms in India, covering UPI, wallet, banking...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-2458","post","type-post","status-publish","format-standard","hentry","category-6"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - 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