UPI ID (VPA) Verification API – Confirm Payee Before Payment
Validate UPI IDs — also known as Virtual Payment Address (VPA) — and registered phone numbers in real time. Confirm payee name before initiating transfers to reduce payout failures and payment fraud.
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Overview
The UPI ID (VPA) Verification API validates Virtual Payment Addresses and registered phone numbers in real time. It returns the verified payee name, VPA, and registered mobile — helping you confirm the recipient before initiating UPI transfers and reducing wrong-payee payment failures.
What Can You Verify With UPI ID (VPA) Verification API?
Key details returned across all UPI ID (VPA) Verification API endpoints, ready to power your KYC and onboarding workflows.
VPA (UPI ID)
The validated UPI Virtual Payment Address (VPA / UPI ID) exactly as registered.
Is VPA Valid?
Whether the VPA is active and valid. true = valid VPA; false = invalid or inactive.
Recipient Name
Verified payee name as returned by the UPI network — use this for name-match checks before payment.
Mobile Number
Registered mobile number linked to the VPA.
UPI ID (VPA) Verification API Flow – Sample Request and Response
Send simple inputs. Get rich, verified data in seconds.
Validate a UPI Virtual Payment Address (VPA) and retrieve the registered payee name and mobile number in real time.
Key Features
Everything you need to integrate and scale
Verify UPI ID (VPA)
Validate whether a UPI ID (VPA) is correct and retrieve the registered payee name before initiating a transfer.
Verify Registered Phone Number
Confirm the mobile number registered with the UPI ID (VPA) to strengthen payee verification.
Payee Name Confirmation
Returns the verified recipient name linked to the UPI ID (VPA) — enables name-match checks before payment.
Secure & Robust
Every API call is secured with one-time-use tokens generated using asymmetric cryptography.
Primary Use Cases
How to Integrate
Get started in minutes with our simple integration process
- 1
Sign Up
Sign up in minutes with your mobile number (OTP verify).
- 2
Verify Identity
Complete your basic KYC with PAN and address details to verify your identity.
- 3
Test APIs Live
Load funds into your wallet and test the verification APIs live — evaluate before you integrate.
- 4
Integrate with AI
Ready to build? Visit our AI hub for free plugins & tools to integrate faster.
- 5
Go Live
Start validating UPI ID (VPAs) in production.
Frequently Asked Questions
What is a VPA/UPI-ID?+
VPA (Virtual Payment Address) is the UPI ID used for sending and receiving payments — for example, rajesh@okicici. This API verifies whether a VPA is valid and returns the registered payee name.
Can I verify the registered phone number?+
Yes. The API accepts a UPI ID (VPA) and registered mobile number, and returns the verified payee details including recipient name.
What details are returned?+
The API returns the verified UPI ID (VPA), recipient name, registered mobile number, transaction ID, and verification status.
How do I get started?+
Sign up at ekostore.app/eps, verify your identity with your PAN and address details, load your wallet to test the verification APIs live, then integrate and go live.
What is EPS?+
EPS (Eko Platform Services) is the technology arm of Eko, providing the developer tools, AI tools, and APIs that power modern fintech integration.
What are the different ways to integrate with Eko EPS?+
Integrate in whichever way suits your stack: call the REST APIs directly, use our official SDKs (JavaScript and PHP) to skip request-signing boilerplate, or let an AI coding agent build the integration using our MCP server and skills. See the Developers and AI sections for each path.
How does API authentication work?+
Each request carries your static `developer_key` header plus a per-request `secret-key` header — an HMAC-SHA256 signature of the current timestamp, keyed by your access key. The access key itself is never sent over the wire. You receive UAT keys on signup and production keys after KYC.
Is there a sandbox environment for testing?+
Yes. A full sandbox environment is available immediately on signup. You can test your integration end-to-end before going live — no commitment required.
What are the sandbox and production base URLs?+
Sandbox and production share the same paths and differ only by base URL: use https://staging.eko.in/ekoapi/v3 for UAT / Sandbox, and https://api.eko.in/ekoicici/v3 for Production. A common cause of failures is calling the sandbox/staging URL with live credentials (or vice-versa) — make sure the base URL matches the keys you are using.
Do I need to whitelist my server IP?+
Production API access may require your static public (server) IP to be whitelisted. If your calls work from Postman but fail or time out from your own server, share your static public IP with us so we can whitelist it.
What response times can I expect?+
Most verification APIs return in real time with sub-second responses, and 99th-percentile latency stays under two seconds across verification endpoints. Transaction APIs (DMT, AePS, BBPS) respond within seconds.
Can the API handle high volumes?+
Yes. The API is designed to handle large-scale volumes reliably without performance degradation.
How is API usage billed?+
Usage is billed per successful API call with no minimum commitment. Volume-based pricing tiers are available — contact our team for detailed rates.
Recommended Solution Packs
Pre-bundled API stacks that include UPI ID (VPA) Verification API, designed for common industry workflows.
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