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.
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.
Key Benefits
UPI ID (VPA) Verification API Flow – Sample Request and Response
Send simple inputs. Get rich, verified data in seconds.
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
Create an account on Connect App and get your sandbox credentials.
- 2
Submit KYC
Complete your KYC verification process by submitting the required documents.
- 3
Integrate API
Use our comprehensive documentation to integrate the APIs.
- 4
Test in Sandbox
Test your integration thoroughly in our sandbox environment.
- 5
Go Live
Start validating UPI ID (VPAs) in production.
Frequently Asked Questions
What is a VPA?+
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.
How is the API secured?+
Every API call is secured with one-time-use tokens generated using asymmetric cryptography.
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 on Connect App, submit the required documents, integrate the REST API using our sandbox environment, and go live.
Can the API handle high volumes?+
Yes. The API is designed to handle large-scale volumes reliably without performance degradation.
How does API authentication work?+
Every API call is secured with one-time-use tokens generated using asymmetric cryptography. After signing up, you will receive your developer-key and secret-key for both UAT and production environments, which you can use to generate tokens for authenticating your API requests.
How are errors and failures reported?+
Every response includes a status code and a human-readable message. Failed requests return specific error codes indicating the reason, so you can handle each case programmatically.
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.
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.
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