{"id":23280,"date":"2025-06-30T12:20:43","date_gmt":"2025-06-30T06:50:43","guid":{"rendered":"https:\/\/blog.razorpay.in\/blog\/?p=23280"},"modified":"2025-06-30T12:20:43","modified_gmt":"2025-06-30T06:50:43","slug":"tpap-integration-go-ahead-requirements-process-benefits-guide","status":"publish","type":"post","link":"https:\/\/razorpay.com\/blog\/tpap-integration-go-ahead-requirements-process-benefits-guide\/","title":{"rendered":"TPAP Integration Go-Ahead: Requirements, Process &#038; Benefits Guide"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">As UPI increasingly becomes the default method for billions, businesses are increasingly prioritising user experience &amp; data security on UPI. This means eliminating redirections to third-party UPI apps, and building custom in-app experiences leveraging the UPI Plugin, or choosing to become a full fledged TPAP.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Beyond the user experience, there are other strategic reasons too. For fast-growing fintechs, lending platforms, or even consumer-facing apps with large user bases, becoming a TPAP opens up better monetisation opportunities, tighter integration with the UPI infrastructure, and more flexibility to shape the payment experience end-to-end.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But in order to operate as a TPAP, you need the go-ahead from the National Payments Corporation of India (NPCI). This grants third-party apps official access to UPI infrastructure, provided they meet specific compliance, security, financial stability, and technical standards.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So how do you get one? Let\u2019s dive into the process.\u00a0<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-23314\" src=\"https:\/\/d6xcmfyh68wv8.cloudfront.net\/blog-content\/uploads\/2025\/06\/img3-4-1.png\" alt=\"\" width=\"2160\" height=\"430\" srcset=\"https:\/\/blog.razorpay.in\/wp-content\/uploads\/2025\/06\/img3-4-1.png 2160w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2025\/06\/img3-4-1-300x60.png 300w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2025\/06\/img3-4-1-1024x204.png 1024w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2025\/06\/img3-4-1-768x153.png 768w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2025\/06\/img3-4-1-1536x306.png 1536w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2025\/06\/img3-4-1-2048x408.png 2048w\" sizes=\"auto, (max-width: 2160px) 100vw, 2160px\" \/><\/p>\n<div style=\"text-align: center;\"><a style=\"border-radius: 3px; background: #528FF0; padding: 15px; font-weight: 600; cursor: pointer; text-decoration: none; color: white;\" href=\"https:\/\/razorpay.typeform.com\/to\/UH2KztJp#source=art3\" rel=\"nofollow noopener\" target=\"_blank\">Get in touch with us<\/a><\/div>\n<p>&nbsp;<\/p>\n<h2><b>What Does the TPAP Go-Ahead Actually Allow You To Do?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">At its core, a TPAP integration go-ahead gives your business the official go-ahead to offer UPI services directly to users &#8211; under your own brand and interface. Instead of relying on third-party UPI apps, you get to build your own experience, manage transactions end-to-end, and integrate tightly with the UPI infrastructure.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But itits is more than just access. It\u2019s a signal of credibility &#8211; showing that your app meets the technical, compliance, and security standards laid out by the NPCI.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It opens the door to deeper integration with banking partners and PSPs, helps you stay compliant with regulatory frameworks, and positions your business as a serious player in the payments ecosystem.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s what the TPAP go-ahead enables you to do:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Seamlessly integrate UPI into your own app without redirecting users to external platforms<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Access the UPI infrastructure through authorized PSP banks<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Offer a custom, branded UPI payment experience that builds trust and loyalty<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Strengthen regulatory compliance and align with NPCI\u2019s standards on security and governance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Unlock new monetisation opportunities through deeper control over payments and data<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Go live faster on new UPI features tailored to your use case (like UPI Lite, Credit on UPI, and more)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Build long-term credibility with users, partners, and financial institutions<\/span><\/li>\n<\/ul>\n<h2><b>Is a TPAP Go-Ahead Mandatory for UPI Apps?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If you&#8217;re building a UPI-enabled app and want to access the UPI network directly &#8211; to initiate transactions, create virtual payment addresses (VPAs), and manage user flows &#8211; then yes, you need the TPAP go-ahead from NPCI. This ensures you\u2019re authorised to operate independently within the UPI ecosystem.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In addition, you must also partner with acquiring banks to support the acquisition leg of your transactions (P2M). To do this, businesses choose to either go through the entire certification process on their own, and partner with a bank independently, or they partner with a payments provider like Razorpay to build out their entire TPAP application.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On the other hand, if you&#8217;re not a TPAP, and choose to go the UPI Plugin route, your app must rely on a partner &#8211; such as a PSP bank or an existing TPAP &#8211; to facilitate UPI payments. This limits your ability to control the payment flow, brand experience, and technical roadmap. Learn more about the differences between becoming a TPAP and choosing to leverage a UPI Plugin here.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now let\u2019s look at the eligibility criteria for obtaining a TPAP go-ahead.<\/span><\/p>\n<h2><b>Who Can Apply? Eligibility Criteria for TPAP<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The NPCI has set specific eligibility criteria to ensure that only qualified and capable entities operate within the sensitive UPI ecosystem.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To be eligible for a TPAP go-ahead, applicants typically must:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Be a fintech company, payment service provider, or app developer with a functioning digital payment or UPI-enabled interface.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Demonstrate robust technological infrastructure capable of securely managing UPI transactions, including compliance with NPCI\u2019s security and data localization standards.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Show financial stability and operational readiness to handle the volume and scale of UPI payments responsibly.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comply with all NPCI guidelines regarding technical, operational, and regulatory requirements for UPI participation.<\/span><\/li>\n<\/ul>\n<div style=\"text-align: center;\"><a style=\"border-radius: 3px; background: #528FF0; padding: 15px; font-weight: 600; cursor: pointer; text-decoration: none; color: white;\" href=\"https:\/\/razorpay.typeform.com\/to\/UH2KztJp#source=art3\" rel=\"nofollow noopener\" target=\"_blank\">Get in touch with us<\/a><\/div>\n<p>&nbsp;<\/p>\n<h2><b>List of Documents Needed for TPAP Application<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Before you can officially apply, you&#8217;ll need to prepare a comprehensive set of documents to demonstrate your business\u2019s technical readiness, financial stability, and regulatory compliance. Here\u2019s what you\u2019ll typically need to submit:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Company KYC documents (PAN, Certificate of Incorporation, GST registration, etc.)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Audited financial statements for the past 2\u20133 years<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Business plan outlining your UPI use case and expected transaction volumes<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Technical architecture document showing how your app integrates with UPI systems<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Information security policies and certifications, such as ISO 27001<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Disaster recovery and business continuity plans<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Details of partnerships with banks (if any) or PSP banks<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Board resolution authorizing the application<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Declaration of compliance with NPCI and RBI regulations<\/span><\/li>\n<\/ul>\n<h2><b>Step-by-Step TPAP Registration Process<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Now let\u2019s get into the step by step process to apply for and obtain the TPAP go-ahead &#8211;\u00a0<\/span><\/p>\n<h3><b>Step 1: Confirm Eligibility<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">As discussed earlier, before you apply, make sure your business qualifies to become a TPAP. NPCI typically expects the applicant to meet the following conditions:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You are a registered legal entity in India (Private Limited, LLP, etc.)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your company is a fintech, payment service provider, or consumer app developer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You have a live or ready-to-launch app with a potential UPI use case<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can demonstrate financial stability, with audited financials and investment backing (if applicable)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You have the technical infrastructure to handle UPI transactions securely and efficiently<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You are ready to comply with NPCI\u2019s guidelines on data storage, fraud monitoring, security audits, and customer grievance redressal<\/span><\/li>\n<\/ul>\n<h3><b>Step 2: Gather Required Documents<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">NPCI requires a detailed set of documents to process your application. These include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Company KYC documents (PAN, incorporation certificate, GST)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A board resolution authorising UPI participation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Recent financials or proof of funding<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A clear UPI use case and business plan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Technical architecture and API documentation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Information security policies and support workflows<\/span><\/li>\n<\/ul>\n<h3><b>Step 3: Submit Application on NPCI Portal<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Once you&#8217;re ready, head over to the<\/span><a href=\"https:\/\/www.npci.org.in\" rel=\"nofollow noopener\" target=\"_blank\"> <span style=\"font-weight: 400;\">NPCI portal<\/span><\/a><span style=\"font-weight: 400;\"> and follow these steps:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Register as a New Applicant or log in if you already have credentials<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fill out the TPAP Application Form with company details, contact info, and business overview<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Upload the necessary documents in the specified format (PDFs, size limits apply)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Review and digitally sign the declarations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Submit the application<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">You\u2019ll receive an acknowledgement with a reference number for tracking.<\/span><\/p>\n<h3><b>Step 4: Preliminary Review by NPCI<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">NPCI\u2019s UPI team will review your submission for completeness and eligibility. If any documents are missing or unclear, you\u2019ll be asked to respond with clarifications.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At this stage, NPCI may also schedule a discussion or ask for a detailed walkthrough of your app\u2019s UPI use case, including customer journey and data flows.<\/span><\/p>\n<h3><b>Step 5: Sandbox Testing &amp; Technical Evaluation<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If your application passes the initial checks, NPCI will invite you to the UPI sandbox environment for testing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You\u2019ll need to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Integrate with UPI APIs via a sponsor bank<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Demonstrate end-to-end transaction flows: collect, pay, refund, failover handling<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Run simulations of edge cases and exception handling<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Submit logs, reports, and audit trails from testing<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">NPCI and your partner bank will jointly review your test results and approve for production only if standards are met.<\/span><\/p>\n<h3><b>Step 6: Final Approval &amp; Go-Live<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Once sandbox testing is successfully completed and your app is deemed compliant:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">NPCI grants the official TPAP go-ahead<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You\u2019ll sign agreements with NPCI and your sponsor bank<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A formal onboarding process will begin, including production key exchange, transaction monitoring setup, and daily reporting standards<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Your app can now offer UPI services directly under its own brand.<\/span><\/p>\n<h3><b>Other Details: Fees &amp; Timeline<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Application Fees:<\/b><span style=\"font-weight: 400;\"> These may vary depending on the type of business and sponsor bank. NPCI itself doesn\u2019t list a fixed fee, but banks may charge evaluation and integration fees.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Timeline:<\/b><span style=\"font-weight: 400;\"> The entire process may take anywhere from 8\u201312 weeks, assuming documents are in order and there are no major delays during sandbox testing.<\/span><\/li>\n<\/ul>\n<h3><b>How to Track Application Status<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">You can monitor your application via the NPCI portal using the reference number. Status updates are also shared via registered email. If there are long delays, you can reach out to NPCI\u2019s UPI onboarding team directly or follow up via your sponsor bank.<\/span><\/p>\n<h2><b>Compliance Requirements After Getting the TPAP Go-Ahead<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Becoming a TPAP also comes with ongoing responsibilities to ensure continued access to UPI infrastructure and alignment with NPCI\u2019s evolving standards. Here are the key ongoing requirements:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Periodic Audits<\/b><span style=\"font-weight: 400;\">: TPAPs must undergo regular audits &#8211; both internal and external &#8211; to assess system integrity, security protocols, and performance benchmarks.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Data &amp; Infrastructure Reporting<\/b><span style=\"font-weight: 400;\">: TPAPs are required to periodically share transaction data, user metrics, and operational reports with NPCI to maintain transparency and network reliability.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>System Updates<\/b><span style=\"font-weight: 400;\">: Any changes to the app\u2019s architecture, security framework, or user interface must be reported and may require validation to ensure they remain compliant with UPI standards.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Grievance Redressal Mechanism<\/b><span style=\"font-weight: 400;\">: A defined SOP for customer dispute handling and resolution must be maintained and updated regularly.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cybersecurity &amp; Data Protection<\/b><span style=\"font-weight: 400;\">: TPAPs must continuously monitor for fraud, follow data encryption best practices, and comply with IT Act and RBI cybersecurity norms.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Failure to meet these compliance obligations can result in penalties, restrictions on UPI access, or even suspension of the integration.\u00a0<\/span><\/p>\n<h2><b>Final Word<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">For any business looking to offer UPI payments through its own app, getting a TPAP go-ahead from NCPI is an important step. It ensures you&#8217;re operating with the required approvals, helps build user trust, and gives you direct access to the UPI network.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">From offering a more controlled and branded payment experience to staying compliant with NPCI\u2019s guidelines, it helps set up the right foundation for UPI-enabled growth.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you&#8217;re planning to apply, making sure your documents and processes are in place will make for a smoother application journey!\u00a0<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-23337\" src=\"https:\/\/d6xcmfyh68wv8.cloudfront.net\/blog-content\/uploads\/2025\/06\/img3-5-1.png\" alt=\"\" width=\"2160\" height=\"344\" srcset=\"https:\/\/blog.razorpay.in\/wp-content\/uploads\/2025\/06\/img3-5-1.png 2160w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2025\/06\/img3-5-1-300x48.png 300w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2025\/06\/img3-5-1-1024x163.png 1024w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2025\/06\/img3-5-1-768x122.png 768w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2025\/06\/img3-5-1-1536x245.png 1536w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2025\/06\/img3-5-1-2048x326.png 2048w\" sizes=\"auto, (max-width: 2160px) 100vw, 2160px\" \/><\/p>\n<div style=\"text-align: center;\"><a style=\"border-radius: 3px; background: #528FF0; padding: 15px; font-weight: 600; cursor: pointer; text-decoration: none; color: white;\" href=\"https:\/\/razorpay.typeform.com\/to\/UH2KztJp#source=art3\" rel=\"nofollow noopener\" target=\"_blank\">Get in touch with us<\/a><\/div>\n<p>&nbsp;<\/p>\n<h2><b>Frequently Asked Questions<\/b><\/h2>\n<ol>\n<li><b> What are the prerequisites for a TPAP application?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Applicants must be registered entities with a functioning UPI interface, meet NPCI\u2019s technical and financial criteria, and submit all required documents.<\/span><\/li>\n<li><b> Can foreign companies apply to become a TPAP in India?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Foreign companies can apply only if they have a registered Indian entity that meets NPCI\u2019s eligibility and compliance requirements.<\/span><\/li>\n<li><b> What happens if my TPAP application is rejected?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">You will receive reasons for rejection and can address the issues before reapplying after making necessary corrections.<\/span><\/li>\n<li><b> Do TPAPs need to follow any security guidelines?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Yes, TPAPs must comply with NPCI\u2019s security standards, including data protection, encryption, and fraud prevention measures.<\/span><\/li>\n<li><b> Can a TPAP go-ahead be transferred?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">No, a TPAP integration go-ahead is non-transferable and tied to the original applicant entity.<\/span><\/li>\n<li><b> How can I track the status of my TPAP application?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Applicants can track their application status through the NPCI portal or the official communication channels provided during application.<\/span><\/li>\n<li><b> What happens if I don\u2019t renew on time?<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Failure to renew on time may lead to suspension or cancellation of the go-ahead, affecting your ability to operate on UPI.<\/span><\/li>\n<\/ol>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What are the prerequisites for a TPAP application?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Applicants must be registered entities with a functioning UPI interface, meet NPCI\u2019s technical and financial criteria, and submit all required documents.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can foreign companies apply to become a TPAP in India?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Foreign companies can apply only if they have a registered Indian entity that meets NPCI\u2019s eligibility and compliance requirements.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What happens if my TPAP application is rejected?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"You will receive reasons for rejection and can address the issues before reapplying after making necessary corrections.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Do TPAPs need to follow any security guidelines?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, TPAPs must comply with NPCI\u2019s security standards, including data protection, encryption, and fraud prevention measures.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can a TPAP go-ahead be transferred?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"No, a TPAP integration go-ahead is non-transferable and tied to the original applicant entity.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How can I track the status of my TPAP application?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Applicants can track their application status through the NPCI portal or the official communication channels provided during application.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What happens if I don\u2019t renew on time?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Failure to renew on time may lead to suspension or cancellation of the go-ahead, affecting your ability to operate on UPI.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As UPI increasingly becomes the default method for billions, businesses are increasingly prioritising user experience &amp; data security on UPI. This means eliminating redirections to third-party UPI apps, and building custom in-app experiences leveraging the UPI Plugin, or choosing to become a full fledged TPAP. Beyond the user experience, there are other strategic reasons too.<\/p>\n","protected":false},"author":129,"featured_media":23281,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[498],"tags":[674,1083,1084,93,1071],"class_list":{"0":"post-23280","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-upi","8":"tag-razorpay-upi","9":"tag-tpap-application","10":"tag-tpap-integration","11":"tag-upi","12":"tag-upi-tpap"},"_links":{"self":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/23280","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/users\/129"}],"replies":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/comments?post=23280"}],"version-history":[{"count":3,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/23280\/revisions"}],"predecessor-version":[{"id":23340,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/23280\/revisions\/23340"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media\/23281"}],"wp:attachment":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media?parent=23280"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/categories?post=23280"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/tags?post=23280"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}