UPI
Switch Solutions
UPI transaction volume runs into billions a month, and it continues to rise as banks, NBFCs, and PSPs move more of their payment traffic onto the rails. Underneath every one of those transactions sits a UPI switch, the routing and settlement layer that decides where a payment goes and whether it settles cleanly. Most banks and PSPs access that layer through a certified TSP's shared platform. We build it instead as your own switch: routing, NPCI certification, and settlement reconciliation designed as one system around your transaction volume, for banks, NBFCs, and payment service providers planning to run on UPI at scale, not just accept it.
85%
Long-term Partnerships
75%
Mid-to-Senior Engineers
5+
Avg. Years of Engineer Experience
98%
Would Recommend Us
Where are you right now?
UPI switch infrastructure, built as one system
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.
01 Switch architecture & routing Message routing that distributes load so one spike does not slow every channel.
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.
02 Core banking & PSP integration Connections between systems that were never built to talk to each other.
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.
03 Compliance & certification Encryption, data localisation, and audit trails built in from day one.
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.
04 Monitoring & modernisation Real-time visibility, plus staged migration for an aging switch.
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.
A team that ships UPI switch infrastructure
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Payment infrastructure, not just apps
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.
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We build for the audit, not around it
NPCI certification is not an afterthought in how we design a switch. Encryption and audit trails are part of the architecture from day one.
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Senior engineers from the first call
You work with engineers from our fintech team in Bangalore who have built payment infrastructure before, not a team learning UPI on your project.
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Modernise without losing what works
If you have an existing UPI switch, we migrate it in stages, so live transactions keep moving while we rebuild underneath it.
Scoped, architected, and certified as one build
We map your money-movement flows and NPCI scope first, then design routing, core banking, and compliance as one system, built in tested increments and taken through certification into production. Part of our broader fintech practice across banking, payments, switch, lending, and insurance.
- Payment flow audited end to end Week 1
Map flows and compliance scope
- Ledger settlement vs payout Week 2-3
Design the switch architecture
- Load & resilience tests Build
Build and test against load
- Integrations shipped in phases Launch and run
Launch and keep it running
FAQs for UPI Switch
What is a UPI switch and why does my business need one?
Can you help us prepare for NPCI certification?
Can you modernise our existing UPI switch instead of replacing it?
How much does UPI switch development cost?
How do you handle scale during festivals or sale days?
Building or modernising your switch?
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.
Building or modernising your switch?
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.