A UPI switch routes and settles every transaction between your systems and NPCI. When it slows down, that shows up as a failed payment, and volume does not wait for a fix. We design the routing, core banking connections, and compliance controls as one system, built for banks, PSPs, and TPAPs who need it to work on their busiest day.
Book a UPI switch consult
85%
Long-term Partnerships
75%
Mid-to-Senior Engineers
5+
Avg. Years of Engineer Experience
98%
Would Recommend Us
Chances are one of these is true.
What we build for the switch.
We build the routing engine, the core banking connections, the compliance controls, and the ongoing monitoring as one system, not separate vendor pieces stitched together. Each part is designed for the load and audits a real switch has to survive.
Message routing that distributes load so one spike does not slow every channel.
Message routingTransaction switchingLoad distributionReal-time processing
The routing engine reads every transaction and sends it to the right bank, PSP, or TPAP, applying the same principles that keep real-time transactions without delays across any payment stack. We design it to distribute load across servers, so a spike in one channel does not slow down every channel.
Connections between systems that were never built to talk to each other.
Core banking connectionsPSP and TPAP linkageAccount and ledger mappingLegacy system connections
Your switch has to talk to core banking systems, PSPs, and TPAPs that were not built with each other in mind. We build the connections that let transactions move between them without manual reconciliation.
Encryption, data localisation, and audit trails built in from day one.
Encryption and data controlsData storage within IndiaAudit trail designNPCI certification support
NPCI certification testing expects specific technical standards, from encryption to data storage within India. We design the switch to meet those requirements from the first architecture decision, not as a late addition.
Real-time visibility, plus staged migration for an aging switch.
Real-time monitoringHorizontal scalingLegacy switch migrationOngoing support
We build monitoring into the switch so failed and delayed transactions are visible immediately, not after a customer complains. For an aging switch, we migrate it in stages so your existing volume keeps moving while we modernise underneath it.
Zethic's fintech practice, spanning banking, payments, lending, insurance & forex.
Why banks & PSPs pick us.
Building a UPI switch differs from a checkout flow, and we treat it that way. Our engineers design for routing, settlement, and certification from day one.
NPCI certification is not an afterthought in how we design a switch. Encryption and audit trails are part of the architecture from day one.
You work with engineers from our fintech team in Bangalore who have built payment infrastructure before, not a team learning UPI on your project.
If you have an existing UPI switch, we migrate it in stages, so live transactions keep moving while we rebuild underneath it.
Senior engineers from day one, with real NPCI certification experience behind them. Our UPI switch development pairs you with people who have built payment infrastructure before, not an account manager relaying notes.
Start a UPI switch build{ 01 }· Week 1
We learn your volume, your bank and PSP relationships, and the NPCI requirements that apply, so the architecture is scoped before build work starts.
{ 02 }· Week 2-3
We design the routing engine, core banking connections, and compliance controls your switch needs for NPCI certification, with scaling built in.
{ 03 }· Build
We build the switch in tested increments and run it against burst conditions, not just average traffic, so it holds up on your busiest day.
{ 04 }· Launch and run
We take the switch through certification testing and into production, then stay on for monitoring and the next release on your roadmap.
Questions, answered.
A UPI switch is the routing and settlement layer that connects your systems to NPCI's UPI network, moving transactions between banks, PSPs, and TPAPs. Any bank, NBFC, or fintech handling UPI volume needs one, whether built in-house or run through a technology service provider.
Yes. We design the switch to meet NPCI's technical specifications for TSP empanelment from the start, including the sandbox and testing stages, so NPCI certification is a checkpoint rather than a rebuild.
Yes. Much of our work is modernisation: migrating routing and settlement logic in stages so your live transaction volume keeps moving while we rebuild the parts that need it.
Cost depends on your existing infrastructure, your transaction volume, and how much of the switch needs to be built versus modernised. We scope this after a short discovery and agree the cost and timeline before any build work starts.
We design the routing layer to distribute load across servers and scale horizontally, addressing the same root causes behind payment failures in fintech applications during peak load. This is tested against burst conditions before launch, not assumed.
Tell us about your transaction volume and where you are in the NPCI process. A senior engineer replies within one working day, no sales script.
Tell us the build
Share your transaction volume, and bank and PSP relationships. We sign an NDA so it stays between us.
Talk it through
A senior engineer works through the routing, integrations, and NPCI certification requirements with you.
Get a clear plan
A scoped architecture plan with an honest cost band and NPCI certification built into the timeline.
Tell us about your transaction volume and where you are in the NPCI process. A senior engineer replies within one working day, no sales script.
