TPAP Switch Platform

The intelligent TPAP switch built for next-generation UPI applications.

Built for scalability and performance, our TPAP Switch enables seamless UPI transaction processing, multi-bank connectivity, merchant onboarding, and real-time settlement. With enterprise-grade security, continuous monitoring, and API-driven architecture, it empowers payment apps to deliver faster, safer, and more reliable digital payment experiences.

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TPAP Switch Platform

The intelligent TPAP switch built for next-generation UPI applications.

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Core Capabilities

Numbers that speak for themselves

Power secure, real-time UPI payment experiences with a TPAP Switch built for scale, reliability, and seamless bank connectivity.

Banks connected

0B+

Monthly UPI transactions

₹0.0L Cr

Monthly transaction value

TPAP market share cap

Core Capabilities

Numbers that speak for themselves

Power secure, real-time UPI payment experiences with a TPAP Switch built for scale, reliability, and seamless bank connectivity.

Banks connected

0B+

Monthly UPI transactions

₹0.0L Cr

Monthly transaction value

TPAP market share cap

Market Landscape

The Indian TPAP switching market at a glance

India's UPI ecosystem now routes 16+ billion transactions a month through third-party app providers, with PSP handle volumes growing 3× in five years. Yet most switches still run on bolted-on gateways never designed for multi-PSP, always-on scale.

HyperBolt

Cloud-native, PSP-first

Unified TPAP switch core · <300ms cold start · multi-PSP handle routing · real-time mandate + collect · ISO 20022 + REST API

Legacy PSP Switch

Bolt-on TPAP integration layer

Rigid handle-to-bank mapping, no native feel · 2–4s response times · separate device-binding hop · nightly reconciliation batch

PSU Bank UPI Gateway

Vendor-licensed white-label switch

Generic routing across PSPs, slow releases · monolithic backend · GC pauses · multi-year vendor lock-in

DIY / In-house Build

Self-built TPAP switch

Tightly coupled to one acquiring bank · 12–24 mo build · limited RBI/NPCI compliance assurance

16B+

UPI transactions routed monthly

₹22 L Cr

Monthly value via TPAP rails

20+

Live TPAP handles on NPCI

24×7

Always-on switch availability

<0.01%

TPAP switch failure rate

Customer proof

What the TPAP switch engine does

How it's built

What the TPAP switch engine does

TPAP Switch · Transaction Flow Engine

A modern TPAP switch serves as the technological backbone connecting third-party app providers to NPCI and acquiring/issuing banks, managing all message flows across the UPI ecosystem. Its core functions include:

Authentication & Session

Secures and validates every PSP request

• Authenticates PSPs via mutual TLS and API key exchange
• Validates device binding and app signature on every request
• Checks handle registration status against NPCI mapper
• Ensures request authenticity before routing to acquirer

API Orchestration

Connects PSP apps to NPCI and bank rails

• Transforms PSP requests into NPCI-compliant ISO 8583/20022 calls
• Ensures compliance with UPI switch API standards
• Handles bidirectional transformation (request/response)
• Maintains message integrity across acquirer and issuer legs

Transaction & State Management

Manages complete pay/collect journey lifecycle

• Controls flow from initiation to settlement confirmation
• Implements exactly-once transaction state machine
• Prevents duplicate or inconsistent processing across PSPs
• Maintains full lifecycle tracking for each handle-to-handle transfer

Sync & Reconciliation

Keeps switch data accurate across PSPs and banks

• Processes real-time NPCI settlement and TCC/RCC events
• Performs continuous transaction-level reconciliation
• Confirms debit and credit accuracy across acquirer/issuer legs
• Eliminates stale data and manual reconciliation errors

Security & Fraud Prevention

Real-time protection across PSP traffic

• Applies inline risk scoring on every routed transaction
• Detects suspicious handles and device anomalies
• Enforces strict security policies and step-up authentication
• Protects PSPs and banks in real time without latency impact

Why HyperBolt TPAP Switch

The first TPAP switch engineered for India's real-time UPI scale and modern fraud challenges.

Most legacy switches are built on outdated architectures with bolt-on gateway shells and external risk engines. HyperBolt is cloud-native, real-time, and designed for high-speed PSP journeys with built-in intelligence.

CAPABILITY

Typical India Fintech-tech

HyperBolt TPAP Switch

Architecture

Hybrid gateway wrapper bolted onto a legacy switch core

Native, API-first switch built for instant PSP journeys

Response time

Routing and validation within 2–4 seconds

Optimized for near-instant routing and confirmations

Concurrent transactions

Handles peak-hour transaction spikes inconsistently

Scales horizontally to support millions of concurrent transactions

Validation & checks

Performs handle, balance, and limit validation with added hops

Ensures secure and instant validation within the switch

NPCI connectivity

Indirect integration via batch jobs and middleware

Direct, real-time integration with NPCI's UPI switch

Reconciliation

Relies on end-of-day batch sync for settlement accuracy

Maintains continuous, real-time settlement and TCC/RCC sync

Availability

Scheduled downtime during nightly batch windows

24x7 operational with no downtime dependency

Security

Basic device-ID and OTP-based authentication

Mutual TLS, device-binding, and step-up authentication

Monitoring & tracking

Limited visibility into transaction and settlement status

Real-time transaction monitoring, alerts, and anomaly tracking

Built for real-time UPI load

Optimized for high-volume transaction traffic with low-latency processing and consistent performance under peak PSP load.

Inline transaction orchestration

Smart orchestration logic embedded within the switch backend ensures faster routing decisions without external system dependencies.

Full transaction visibility

Every routed transaction is traceable with detailed logs, status tracking, and audit-ready records for transparency.

Secure & RBI/NPCI compliant

Built with strong encryption, mutual TLS, and full compliance with RBI and NPCI guidelines for UPI switches.

High reliability & uptime

Designed for 24x7 availability with minimal downtime, ensuring uninterrupted access across all PSP integrations.

Seamless NPCI connectivity

Direct integration with NPCI's UPI switch ensures fast, reliable data exchange and real-time transaction processing.

Get a demo built around the modules and hops you just clicked.

Add modules from the acquiring or issuing map, mark the hops you want to deep-dive on, and we'll bring a payments engineer with a session scoped to exactly that surface area.

Reach out us at

Sales and Services:

sales@auisy.com

Marketing & Promotions:

marketing@auisy.com

General Information:

info@auisy.com

Phone :

91-020-61096815

Project Management and Editorial Office

3rd Floor, Shreyas Eterna, Above Lopmudra Clinic, Homi Baba Road, Bavdhan, Pune 411021.