Payment infrastructure · ZyroAI
UPI stack for banks and fintechs, by ZyroAI
ZyroAI, a ZYRO company, builds the UPI infrastructure that connects banks, payment service providers and fintechs to NPCI's UPI network: issuing, acquiring and the UPI switch.
Explore the ZyroAI UPI StackWhat it covers
UPI switch
Connects a bank or PSP to NPCI and routes pay, collect and mandate requests in real time.
Issuing
Lets customers link accounts and pay with UPI IDs from the bank's or fintech's own app.
Acquiring
QR codes, collect requests and payment links for merchants, with settlement and reconciliation.
For banks, PSPs and fintechs
Built for institutions that connect to UPI directly. Merchants can use ZYRO's ready products instead.
This infrastructure is built and supported by ZyroAI, a ZYRO company for banks, NBFCs and fintechs. Businesses that want to collect or send payments can start with the ZYRO Business Banking Suite or talk to ZYRO.
Frequently Asked Questions
UPI Stack, explained.
A UPI switch is the software that connects a bank or payment service provider to the NPCI UPI network. It receives, validates and routes UPI requests such as payments, collect requests and mandates, and returns the response to the customer's app.
ZyroAI (zyroai.com), the ZYRO group's company for banks, NBFCs and fintechs, builds and supports the UPI stack. Full product details are on zyroai.com/upi-stack.
No. Businesses can accept UPI with a ZYRO QR code, the ZYRO Soundbox, ZYRO POS or ZYRO Checkout. A UPI switch is for banks and payment providers that connect to NPCI directly.