Centralized UPI Issuer Switch Services for Banks
Trust Fintech Limited offers a unified UPI Issuer Switch platform, which helps banks take part in the UPI network as issuer banks.
Using TFL's switch platform, banks using Core Banking Systems ( TFL’s or Other’s CBS) can access NPCI's UPI network without setting up any dedicated switching infrastructure and transaction routing environment.
The UPI service offered by the bank is integrated with their CBS platform for seamless delivery of UPI service to the customers.
What is a UPI Issuer Switch?
A UPI Issuer Switch acts as the transaction processing layer between a bank’s Core Banking System (CBS) and the NPCI UPI network. It enables banks to authorize, validate, and process UPI transactions while securely routing issuer-side requests through NPCI.Â
- Customer account validation
- Account linking and management
- Debit authorization
- UPI ID (VPA)-based payments
- Transaction processing
- Balance verification
- UPI transaction status management
- QR code payments
How the Solution Works
The bank's CBS vendor develops and deploys the integration adapter using TFL's APIs. Once integrated, transaction requests are securely routed through TFL's UPI Issuer Switch to NPCI for processing.
What Trust Fintech Limited Provides
NPCI Onboarding Support
UPI issuer onboarding assistance through NPCI CFLOW.
Monitoring & Reporting
Transaction monitoring, logging, and reporting.
Certification Support
NPCI certification coordination and assistance.
UPI Issuer Switch Platform
Hosted and managed switch with secure NPCI connectivity.
APIs & Documentation
UPI APIs, integration guides, and technical documentation.
Go-Live Support
Production activation and stabilization support.
Production & DR Infrastructure
Production and Disaster Recovery environment.
Testing Support
Test bed access, test cases, simulator, and UAT support.
Managed Operations
Ongoing switch management and operational support.
Role of Bank
- Developing the integration adapter using TFL APIs
- Integration by the bank's CBS with TFL's UPI Issuer Switch
- Implementing issuer-side business logic within the CBS
- Performing development, configuration, and testing activities
- Executing integration and UAT test cases
- Submitting logs and test reports for certification
- Deploying integration components in the bank's DC/DR environment
- Supporting issue resolution during testing and certification
Key Benefits for UPI Issuer Switch
Faster UPI Enablement
Go live on the UPI ecosystem without building a dedicated switching platform.
Lower Infrastructure Costs
Avoid investments in NPCINet connectivity, monitoring systems, and DR infrastructure.
Seamless CBS Interoperability
Support integration with third-party core banking systems through standardized APIs.
NPCI-Aligned Framework
Leverage a switch platform designed to support NPCI onboarding, testing, certification, and production operations.
Scalable Architecture
Handle growing transaction volumes through a centralized, managed switch environment.
Reduced Implementation Complexity
Focus on banking operations while TFL manages the switch infrastructure and NPCI connectivity.
Why Banks Choose TFL's UPI Issuer ASP Model
NPCI-Onboarded Technology Service Provider
Hosted UPI Issuer ASP Infrastructure
Works with Existing CBS Platforms
Comprehensive API & Documentation Framework
NPCI Onboarding & Certification Support
End-to-End Project Coordination
Enable Secure, Scalable UPI Services for Your Customers
Go live faster with secured & scalable UPI services through a centralized switch platform designed for banks.Â
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