{"id":14737,"date":"2024-02-09T22:24:03","date_gmt":"2024-02-09T16:54:03","guid":{"rendered":"https:\/\/razorpay.com\/blog\/?p=14737"},"modified":"2025-07-18T09:40:51","modified_gmt":"2025-07-18T04:10:51","slug":"introducing-razorpay-upi-tpap-pro","status":"publish","type":"post","link":"https:\/\/razorpay.com\/blog\/introducing-razorpay-upi-tpap-pro\/","title":{"rendered":"Build and power new-age UPI Apps with Razorpay\u2019s TPAP Pro"},"content":{"rendered":"

In 2020, India’s digital payments landscape witnessed a pivotal shift. The NPCI, one of India\u2019s leading payments think-tanks, made two decisive moves: firstly, breaking the dominance of the Big Three – GooglePay, PhonePe, and PayTM – by capping their market share, and secondly, opening the doors for new players through a rigorous TPAP certification process. These bold decisions spurred a wave of innovation and competition within the UPI ecosystem.<\/span><\/p>\n

A new era for TPAPs<\/strong><\/h2>\n

Third-Party Application Providers, known as TPAPs, are entities that provide applications or platforms to facilitate UPI payments.\u00a0<\/span><\/p>\n

The <\/span>NPCI\u2019s \u2018volume cap\u2019 circula<\/span><\/a>r marked a new era for TPAPs. Several new TPAPs emerged, partnering with existing Payment Service Providers (PSPs) to launch their UPI apps. However, as early entrants on this product, many encountered unforeseen challenges.\u00a0<\/span><\/p>\n

First and foremost, businesses took a minimum of 6-8 months to get certified by the NPCI and go live with the product. They typically partnered on a single-bank model with old-school PSPs that ran operations on legacy infrastructure.This led to delays and high latency issues, hindering scalability and innovation. Customer acquisition also proved to be a costly affair for new players who faced the entrenched loyalty of consumers towards established players.<\/span><\/p>\n

A groundbreaking solution: Razorpay UPI TPAP Pro<\/strong><\/h2>\n

Recognizing these hurdles, <\/span>Razorpay has risen to the occasion with a groundbreaking solution: Razorpay UPI TPAP Pro.<\/b> This revolutionary offering empowers you to build and power your own UPI app on a future-proof, best-in-class tech stack, strategically designed to overcome the limitations faced by early entrants. Designed to power existing TPAPs with a future-first tech stack and new apps, Razorpay is all set to take the market by storm, s<\/span>tarting with MakeMyTrip as the first merchant to go live on Razorpay UPI TPAP Pro.<\/p>\n

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Why Razorpay UPI TPAP Pro\u00a0<\/strong><\/h3>\n

Whether you’re an ambitious newcomer eager to launch your own UPI app or an established player seeking a performance boost, the Razorpay UPI TPAP as-a-Service will help you unlock new horizons.<\/span><\/p>\n