UPI Switch
NPCI-certified UPI switching infrastructure engineered for the transaction volumes and regulatory requirements of India's fastest-growing payment rail.
The routing backbone of your UPI payment infrastructure
Vurico UPI Switch is a high-performance, NPCI-certified switching platform that handles the full lifecycle of UPI transactions — from collect and pay requests to mandate management, dispute resolution, and settlement reconciliation.
Designed for banks acting as PSPs, issuer banks, and acquiring banks, the switch provides a single integration point for all UPI flows while delivering the throughput, latency, and resilience that India's real-time payment ecosystem demands.
Full-stack UPI switching, out of the box
High-Throughput Routing
Handles 10M+ TPS at peak load with sub-5ms routing latency. Stateless architecture ensures linear horizontal scaling without performance degradation.
10M+ TPSNPCI Certified Switch
Fully certified by NPCI for UPI 2.0. Supports all transaction types: P2P, P2M, collect, pay, mandate, and recurring payments.
UPI 2.0 CertifiedMandate & Recurring Payments
Complete mandate lifecycle management — creation, modification, revocation, and execution. Supports e-NACH and auto-pay flows for lending and subscription use cases.
e-NACH ReadyIntelligent Routing Engine
Dynamic routing based on bank availability, transaction type, and load balancing rules. Automatic failover to secondary routes with zero transaction loss.
Smart FailoverDispute & Chargeback Automation
Automated dispute lifecycle management aligned with NPCI's dispute resolution framework. SLA-driven escalation with full audit trail and regulator-ready reporting.
NPCI Dispute APISettlement & Reconciliation
Real-time settlement tracking with automated reconciliation against NPCI settlement files. Breaks and exceptions flagged instantly with root-cause classification.
T+0 ReconciliationBuilt for fast, low-friction integration
OpenAPI 3.0 documented REST endpoints for all UPI flows. JSON over HTTPS with OAuth 2.0 and mTLS authentication.
- OpenAPI 3.0 spec
- OAuth 2.0 + mTLS
- Sandbox on day 1
Native ISO 8583 bridge for banks with legacy core banking systems. No middleware required — direct integration with Finacle, BaNCS, and Flexcube.
- ISO 8583:2003
- Finacle / BaNCS / Flexcube
- Zero-middleware path
Real-time event streaming for transaction notifications, settlement events, and dispute updates. Guaranteed delivery with at-least-once semantics.
- Apache Kafka 3.x
- At-least-once delivery
- < 50ms event latency
Resilience and scale by design
Load Balancer & TLS Termination
Active-active load balancing across availability zones. TLS 1.3 termination with certificate pinning for PSP connections.
- Active-active HA
- TLS 1.3
- < 1ms overhead
Routing & Orchestration
Stateless routing microservices with dynamic rule evaluation. Supports A/B routing for phased rollouts and disaster recovery drills.
- Stateless microservices
- Dynamic rule engine
- DR drill support
State & Session Store
Distributed Redis cluster for transaction state management. Idempotency keys prevent duplicate processing under retry storms.
- Redis Cluster
- Idempotency keys
- < 1ms state lookup
Persistence & Audit Log
Immutable append-only audit log for every transaction event. 7-year retention aligned with RBI record-keeping requirements.
- Immutable audit log
- 7-year retention
- RBI compliant
Certified for India's payment infrastructure
NPCI UPI 2.0 Certification
Full certification covering all UPI transaction types, mandate flows, and dispute resolution APIs. Annual re-certification with NPCI's technical audit team.
RBI Payment System Operator Guidelines
Compliant with RBI's PSO guidelines including data localisation, business continuity, and cyber security framework requirements.
PCI DSS Level 1
Annual QSA-audited PCI DSS Level 1 certification. All transaction data encrypted at rest and in transit. Tokenisation for sensitive payment identifiers.
ISO 27001:2022 & CERT-In Empanelled
Certified ISMS with bi-annual penetration testing by CERT-In empanelled agencies. Vulnerability disclosure programme with 48-hour SLA.
Powering UPI across the financial spectrum
Challenge
Scaling UPI infrastructure to handle 5x transaction growth during festive seasons without SLA breaches.
Outcome
Zero SLA breaches during Diwali peak. Auto-scaling handled 8.2M TPS with p99 latency of 4.1ms.
Challenge
Legacy CBS integration causing UPI transaction failures and customer complaints during high-load periods.
Outcome
ISO 8583 bridge eliminated CBS bottleneck. Transaction success rate improved from 94.2% to 99.6%.
Challenge
Building UPI mandate infrastructure for recurring loan repayments and subscription billing from scratch.
Outcome
Mandate infrastructure live in 6 weeks. 2.4M active mandates managed with 99.8% execution success rate.
See Vurico UPI Switch in action
Our NPCI-certified engineers will walk you through a live sandbox demonstration with real transaction flows, failover scenarios, and settlement reconciliation.