{"id":23267,"date":"2025-06-26T14:03:19","date_gmt":"2025-06-26T08:33:19","guid":{"rendered":"https:\/\/blog.razorpay.in\/blog\/?p=23267"},"modified":"2026-04-26T22:01:22","modified_gmt":"2026-04-26T16:31:22","slug":"all-you-need-to-know-about-upi-third-party-apps-tpaps","status":"publish","type":"post","link":"https:\/\/razorpay.com\/blog\/all-you-need-to-know-about-upi-third-party-apps-tpaps\/","title":{"rendered":"All you need to know about UPI Third-Party Apps (TPAPs)"},"content":{"rendered":"

Ever wondered about how your favorite UPI apps were built? Curious about how you can build your own UPI App? Well, you\u2019ve come to the right place. This article will deepdive into what UPI Apps or third-party Apps are, and how you can become one.\u00a0<\/span><\/p>\n

What is UPI Third-Party App?<\/b><\/h2>\n

A TPAP is a service provider (not necessarily a bank) that develops and offers UPI-compliant mobile applications to end-users to facilitate UPI transactions. They participate in the UPI ecosystem by leveraging <\/span>one or more <\/span><\/i>PSP Banks that handle payment processing with NPCI. Examples of UPI TPAPs, commonly known as UPI Apps, are Google Pay, PhonePe, PayTM, Supermoney, Cred etc.\u00a0<\/span><\/p>\n

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The Evolution of TPAPs in India’s UPI Ecosystem<\/b><\/h2>\n

The role of <\/span>Third-Party Application Providers (TPAPs)<\/b> in India’s <\/span>Unified Payments Interface (UPI)<\/b> ecosystem has rapidly evolved in recent years, largely due to the widespread adoption of this technology. From 2016 to 2024, around <\/span>20 TPAPs<\/b> were launched. In just the last two years alone, this number has doubled, bringing the total to <\/span>40 TPAPs<\/b> with over 20 new additions.<\/span><\/p>\n

What began with standalone UPI apps like Google Pay and PhonePe has now expanded significantly to include <\/span>super apps, neobanks, fintechs, and sector-specific applications<\/b> that are integrating UPI directly into their user experiences.<\/span><\/p>\n

This growth reflects a broader shift: more businesses today want to <\/span>own the UPI payment experience<\/b> within their own ecosystems, rather than redirecting users to third-party apps. Whether it’s an e-commerce platform, a food delivery app, or a digital wallet, becoming a TPAP allows businesses to offer a <\/span>more seamless, branded payment flow<\/b>, keeping users within their own interface.<\/span><\/p>\n

As UPI becomes increasingly embedded in everyday transactions, TPAPs are no longer just payment applications; they’ve become a <\/span>strategic layer in the digital customer experience.<\/b><\/p>\n

The Rise of TPAPs: Who’s Adopting and Why?<\/b><\/h2>\n

Over the last few years, India has seen a significant increase in businesses taking on the <\/span>Third-Party Application Provider (TPAP)<\/b> role. This newer wave of TPAPs includes a wide variety of platforms, from <\/span>super apps<\/b> to <\/span>fintech startups<\/b> and even <\/span>traditional enterprises<\/b> expanding into digital payments.<\/span><\/p>\n

Here are some examples of businesses becoming TPAPs:<\/span><\/p>\n