PSP-Grade UPI Switching

Operate UPI as a network.

Mobee UPI Switch gives banks and PSPs one orchestration layer for Payer PSP and Payee PSP roles, VPA resolution, Collect and Pay flows, QR, Autopay mandates, multi-bank routing and live operations.

Payer PSPCustomer pay / collect authorization
Payee PSPMerchant / beneficiary acceptance
Sponsor BanksMulti-bank routing + fallback
NPCI UPINetwork switching layer
Mobee UPI SwitchREAL-TIME ORCHESTRATION
500M+ TXN CAPACITY / MONTH · 99.9% PLATFORM UPTIME
PSP Operating Roles

Run both sides of the UPI conversation.

The switch supports both Payer PSP and Payee PSP responsibilities so banks and PSPs can operate customer-facing and merchant-facing UPI journeys through the same core switching layer.

ROLE / PAYER PSP

Initiate, validate and authorize.

Support customer payment journeys where the payer app resolves the VPA, validates the request and sends the financial instruction into the UPI network.

VPA resolution
Pay / Push flow
Mandate validation
Limit and risk checks
ROLE / PAYEE PSP

Receive, present and confirm.

Support merchant and beneficiary-side journeys where Collect requests, QR-based payments and confirmations need to resolve back through the same network.

Collect requests
Dynamic & static QR
Merchant acceptance
Real-time confirmation
UPI Journeys

Different customer actions. One switching core.

Switch between common UPI journeys to see how the operating flow changes without changing the underlying platform.

01App HandshakeCustomer initiates a UPI Pay request.
02VPA ResolutionSwitch resolves the payer and beneficiary identities.
03NPCI RoutingRequest is sent to the destination institution.
04ConfirmationDebit and credit status returns to the apps and ledger.
Merchant & Recurring Payments

QR for the moment. Mandates for the future.

UPI acceptance is not one flow. Merchant QR, Collect journeys and recurring mandates need different controls while still sharing the same switching, routing and reconciliation foundation.

Dynamic & static QRGenerate merchant and P2P QR with embedded amount, reference and expiry logic.
Collect & PushSupport both request-to-pay and customer-initiated payment flows.
Autopay / e-MandateEnable recurring UPI journeys for subscriptions, SIPs and EMI collections.
UPI / MERCHANT QR
Dynamic QR
UPI / AUTOPAY

Recurring mandate

FrequencyMonthly
Use caseSubscription / EMI
StatusActive
ValidationSwitch-controlled
Sponsor Bank AHealthy · Primary route
Sponsor Bank BHealthy · Available
Destination BankLive reachability
Fallback RouteAutomatic failover
Route EngineMULTI-PSP / MULTI-BANK
HEALTH CHECK ACTIVE
Routing Intelligence

Keep transactions moving when one rail degrades.

Multi-bank design allows the switch to use sponsor-bank health and destination conditions to select or fall back to another route rather than forcing the operations team to intervene manually.

Bank health monitoringObserve latency and success conditions across available routes.
Automatic failoverFallback routing helps preserve success rates when a route is degraded.
Latency-aware operationsTrack performance alongside success-rate and decline-reason analytics.
UPI Operations

Operate success rate, latency and disputes from one view.

UPI switching becomes a daily operations business after go-live. Reconciliation, UDIR disputes, chargebacks, settlement and live performance need to sit together.

Dispute & chargeback consoleManage UDIR disputes without jumping between multiple operational portals.
Reconciliation & settlementBring transaction and settlement visibility into the same operating layer.
Real-time analyticsWatch success rate, latency and decline reasons as conditions change.
UPI / OPERATIONSLIVE
500M+Txn capacity / mo
99.9%Platform uptime
<1sAvg switch latency
UPI / PSP Operations

Run UPI switching, routing and operations through one accountable platform.

Talk to Mobee about PSP integration, QR, Collect, Autopay, multi-bank routing, disputes and production rollout.