How to build a UPI app?

Building a UPI app involves a regulated process managed by the National Payments Corporation of India (NPCI). To start, you must partner with a sponsor bank that acts as a Payment Service Provider (PSP). Key steps include:

• Registering with NPCI as a Third-Party Application Provider (TPAP) or PSP.
• Developing a secure mobile interface using technical stacks like Flutter or Kotlin.
• Integrating NPCI-approved APIs for real-time fund transfers and QR scanning.
• Ensuring strict compliance with RBI security guidelines, including two-factor authentication and data encryption.
• Passing rigorous NPCI certification testing before launching for public use.