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UPI ID Verification API

Ensure a secure digital transaction by validating and verifying the UPI address.

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UPI ID Verification API

Table of Contents

  • Need for UPI ID verification?
  • Use Cases
  • Key Features of UPI ID Verification API
  • How Can Your Business Leverage UPI ID Verification APIs
  • Why Decentro’s APIs for UPI Autopay?
Need for UPI ID verification?

Need for UPI ID verification

The vision of making India a cashless economy rides on the back of the instant real-time payment system called Unified Payment Interface (UPI), developed by the National Payment Corporation Of India (NPCI). This seamless cash flow journey is facilitated by a unique UPI ID/address [eg. abc@xyzbank], which is created and mapped against your existing bank account, which in turn allows you to send and receive money electronically.

Touted as the most secure platform for cashless transactions, by NPCI, and with the volume of UPI transactions crossing the 7 Billion mark in September 2022, the need for UPI validation and verification is at an all-time high.

Use Cases

The security of your digital transactions via UPI address paves way for the following two use cases

Verification of Ownership

The background verification at the time of onboarding a new vendor/merchant/customer/user.

Validation of Existence

The need to validate the transactions before:

Accepting funds from the users. This strengths risk monitoring and ensure funds are flowing from the user’s registered bank account only

Withdrawal/payout is made to the UPI ID of the user

Key Features of UPI ID Verification API

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Real-time data sourced from partner banks ensuring up to date information on newly created accounts

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Validate VPA instantly and get access to the UPI ID holder's name, type of the account (Savings/current), and IFSC code of the registered bank account.

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Single API- to verify user’s UPI ID

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Also obtain and verify powerful additional details such as the kind of underlying account (business/savings), Merchant category code (MCC), IFSC code of the bank account.

Benefits of UPI ID Verification

Set up a robust and secure payments stack for your business using Decentro’s APIs for UPI ID verification. Pave the way for automated workflows, enhanced security within your transactions, and more.

Early Fraud Detection

Early Fraud Detection

With secure and transparent access to data, the risk of identity fraud is eliminated right at the onboarding process.

Accelerated Onboarding

Accelerated Onboarding

A powerful API that integrates with your systems to automate verification, without exposing data to a third party, thereby eliminating any delays in the onboarding of new vendors/ merchants/clients.

Automated Workflows

Automated Workflows

Flexible and easy-to-integrate APIs for your existing workflows, or set up an automated workflow to elevate the customer experience with a quick and efficient verification journey.

UPI ID Verification For Your Business - How Can Decentro Help

Why Decentro’s APIs for UPI ID Verification?

Single API for validating user’s UPI ID - at a basic or advanced level.

Flexible API-based flow that can be embedded easily in your existing workflows.

Verify accounts on the fly while maintaining the accuracy and speed of transactions.

Sub-merchant onboarding for your end customers/sellers or vendors on their own custom UPI handles.

Leverage multi-bank architecture in the backend so that any unexpected downtimes, black swan events, or volume spikes will never affect your business adversely.

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API Documentation

Robust and efficient APIs, built to ensure secure transactions
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