UPI Verification API – Real-Time VPA Validation

UPI Verification API

Are you worried about UPI fraud? The UPI Verification API from nxt Banking validates a customer’s Virtual Payment Address (VPA) in real time. With our API, you confirm both the VPA’s validity and the account holder’s name instantly, reducing fraud risk.

Why Use the UPI Verification API?

The UPI Verification API plugs into India’s NPCI database and:

  • Confirms whether the VPA belongs to an active bank account

  • Returns the linked account holder’s name

  • Validates account type (current or savings)

Therefore, businesses avoid failed transactions and fraudulent onboarding. Secure your platform with reliable VPA verification.

Top Features of nxt Banking’s API

  • Instant VPA validation: Confirm VPA and name in seconds

  • 99.99% uptime: Maintain seamless operations with round-the-clock support

  • Easy automation: Plug in zero‑code integration with existing portals

  • Onboarding savings: Reduce drop-offs, manual error, and costs

Additionally, the API scales easily, handling increasing API calls without complications.

Benefits at a Glance

Benefit Why It Matters
💡 Reduce fraud Only valid VPAs connected to real users complete transactions
⚙️ Automate workflows Free up your team with real-time, error-free validation process
💸 Cut onboarding costs Stop spending time on manual checks and dropped sign-ups

How nxt Banking’s UPI Verification API Works

  1. Input VPA – User enters their VPA.

  2. Call API – nxt Banking connects to NPCI in real time.

  3. Response – Receive account holder’s name, validity, and status.

  4. Trust secured – Only verified VPAs are used, making transactions secure and streamlined.

This straightforward process ensures your platform delivers a fast and safe user experience.

Use Cases for nxt Banking’s API

Our API works well across sectors:

  • E‑commerce platforms: Ensure the buyer’s VPA is valid before billing

  • Subscription apps: Prevent failed auto-debits

  • Fintech & Neobanks: Reduce compliance risks during onboarding

  • Payment gateways: Stop VPA-related errors in UPI transfers

  • Marketplaces: Safeguard vendor payout VPAs

Get Started with nxt Banking

  • Demo & integration: Explore /demo and set up in minutes

  • Developer-ready: Clear docs, SDKs, and support included

  • Launch confidently: Plug into UPI, ensure smooth verification, and deliver top-level security

Streamline onboarding, improve conversion, and stop fraud with nxt Banking. Ready to secure your UPI journey? Visit our /contact page.

FAQs

What do I need to use the API?
Just the customer’s VPA (e.g. name@bank).

Where is it used?
Anywhere you accept UPI: apps, websites, portals.

How accurate is it?
Because we connect via NPCI, accuracy exceeds 99%.

How do I integrate it?
After signing up, use our docs and SDKs to test in sandbox, then switch to live.

How to get access?
Request API credentials by contacting us through /demo or /contact.

For secure, fast, and reliable UPI verification, nxt Banking’s UPI Verification API is the best solution. Get started today to eliminate fraud and improve user trust.

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