{"id":570380,"date":"2025-10-09T07:23:47","date_gmt":"2025-10-09T06:23:47","guid":{"rendered":"https:\/\/ibsintelligence.com\/?post_type=ibsi_news&#038;p=570380"},"modified":"2025-10-09T07:23:47","modified_gmt":"2025-10-09T06:23:47","slug":"payu-and-mindgate-launch-upi-nxt-stack-to-expand-presence-in-indias-upi-ecosystem","status":"publish","type":"ibsi_news","link":"https:\/\/ibsintelligence.com\/ibsi-news\/payu-and-mindgate-launch-upi-nxt-stack-to-expand-presence-in-indias-upi-ecosystem\/","title":{"rendered":"PayU and Mindgate launch UPI NXT stack to expand presence in India\u2019s UPI ecosystem"},"content":{"rendered":"<p><strong><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-566880 alignright\" src=\"https:\/\/ibsintelligence.com\/wp-content\/uploads\/2025\/02\/PayU.jpg\" alt=\"PayU, Real-Time Digital Payments, FinTech, RBI, India\" width=\"300\" height=\"300\" srcset=\"https:\/\/ibsintelligence.com\/wp-content\/uploads\/2025\/02\/PayU.jpg 300w, https:\/\/ibsintelligence.com\/wp-content\/uploads\/2025\/02\/PayU-150x150.jpg 150w, https:\/\/ibsintelligence.com\/wp-content\/uploads\/2025\/02\/PayU-100x100.jpg 100w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/strong><span style=\"font-style: inherit;font-weight: inherit\"><a href=\"https:\/\/payu.in\/\">PayU<\/a>, India\u2019s diversified FinTech platform, launched UPI NXT Stack, marking its strategic foray into India\u2019s rapidly growing UPI ecosystem following its recent acquisition of the majority stake in <a href=\"https:\/\/www.mindgate.solutions\/\">Mindgate Solutions<\/a>. <\/span><\/p>\n<p>The two flagship UPI products &#8211; <strong>UPI NXT<\/strong> and <strong>TPAP NXT &#8211; aim to deliver speed, reliability, and customisation for merchants across various <\/strong>sectors. This initiative complements PayU&#8217;s growth strategy and vision of driving the next generation of digital payments innovations for better customer experience and accelerating the global adoption of &#8216;Made in India&#8217; platforms.<\/p>\n<p><strong><span style=\"font-style: inherit;font-weight: inherit\">Anirban Mukherjee, CEO, PayU<\/span><span style=\"font-style: inherit;font-weight: inherit\">,<\/span><\/strong>\u00a0said, &#8220;UPI isn&#8217;t just a payment method, it&#8217;s a growth engine for businesses. By combining NPCI\u2019s comprehensive real-time payments infrastructure and Mindgate\u2019s enterprise-grade solutions, we&#8217;ve built our UPI NXT Stack. This platform will power the future of digital commerce in India by unlocking speed, choice, and scale for banks, merchants, and consumers.&#8221;<\/p>\n<p><strong><span style=\"font-style: inherit;font-weight: inherit\">George Sam, Co-founder &amp; Business Head from Mindgate Solutions<\/span><span style=\"font-style: inherit;font-weight: inherit\">,<\/span><\/strong>\u00a0said, \u201cThe launch of the two UPI solutions showcases the innovation potential of our partnership with PayU. We are excited to see how these two solutions will set new benchmarks for reliability and innovation in India\u2019s real-time digital payments industry.\u201d<\/p>\n<p>Adding further,\u00a0<strong>Guhan Muthuswamy, Co-founder &amp; Software Architect, said,<\/strong>\u00a0\u201cThis launch marks our first launch together with PayU to deliver scalable, secure, and future-ready digital payment solutions. Together, we are committed to empowering banks and enterprises with the infrastructure needed to meet the evolving needs of India\u2019s digital economy.\u201d<\/p>\n<p><strong><span style=\"font-style: inherit;font-weight: inherit\">PayU UPI NXT:<\/span><\/strong><\/p>\n<p><span style=\"font-style: inherit;font-weight: inherit\">UPI NXT addresses market pain points like payment failures during peak traffic, delayed refunds, and complex integration challenges. It features:<\/span><\/p>\n<ul>\n<li><span style=\"font-style: inherit;font-weight: inherit\">Dedicated Acquiring Switch supporting 10,000+ Transactions per second (TPS) with a 99.87% success rate<\/span><\/li>\n<li><span style=\"font-style: inherit;font-weight: inherit\">Zero-redirection payments and instant refunds with 99.99% success<\/span><\/li>\n<li><span style=\"font-style: inherit;font-weight: inherit\">Fastest payment confirmations and streamlined system for quick merchant onboarding<\/span><\/li>\n<\/ul>\n<p><strong><span style=\"font-style: inherit;font-weight: inherit\">PayU TPAP NXT:<\/span><\/strong><\/p>\n<p><span style=\"font-style: inherit;font-weight: inherit\">TPAP NXT allows businesses to integrate full-scale UPI payment capabilities with three flexible approaches to launch as per their business needs with fully customisable APIs, certified SDKs, and hybrid SDKs. It supports:<\/span><\/p>\n<ul>\n<li><span style=\"font-style: inherit;font-weight: inherit\">Functionalities like Custom Virtual Payment Address (VPA) creation, Person-to-Person (P2P) transfers and merchant payments<\/span><\/li>\n<li><span style=\"font-style: inherit;font-weight: inherit\">Advanced UPI options such as Autopay and One-Time Mandates<\/span><\/li>\n<\/ul>\n<p><span style=\"font-style: inherit;font-weight: inherit\">Additionally, as part of the PayU&#8217;s TPAP stack, PayU also provides:<\/span><\/p>\n<ul>\n<li><span style=\"font-style: inherit;font-weight: inherit\">Multiple payment methods including cards, net banking, EMI, BNPL, and digital wallets in the same SDK<\/span><\/li>\n<li><span style=\"font-style: inherit;font-weight: inherit\">Loyalty and Offer Engine to build Acquisition and Retention<\/span><\/li>\n<li><span style=\"font-style: inherit;font-weight: inherit\">Intelligent recommendation engines optimising payment selection based on merchant category, limits, and availability<\/span><\/li>\n<\/ul>\n<p><span style=\"font-style: inherit;font-weight: inherit\">Furthermore, PayU has also strategically partnered with National Payments Corporation of India (NPCI) to announce<em>\u00a0<\/em><strong>UPI Reserve Pay<\/strong>\u00a0and\u00a0<strong>UPI Autopay Interoperability.<\/strong><\/span><\/p>\n<ul>\n<li><strong><span style=\"font-style: inherit;font-weight: inherit\">UPI Reserve Pay\u00a0<\/span><\/strong><span style=\"font-style: inherit;font-weight: inherit\">is a groundbreaking Single-Block Multi Debit feature that revolutionises the digital payment experience across quick commerce, EV recharging, cab bookings, metro recharges, etc. This innovative solution allows customers to block a predetermined amount on merchant platforms and subsequently enjoy automatic debits for each purchase from this pre-blocked amount. For instance, blocking \u20b91,000 an ecommerce platform and with each purchase, using the money from the blocked amount.<\/span><\/li>\n<\/ul>\n<ul>\n<li><strong><span style=\"font-style: inherit;font-weight: inherit\">UPI AutoPay Interoperability\u00a0<\/span><\/strong><span style=\"font-style: inherit;font-weight: inherit\">is built to empower customers to set up mandates on one FinTech app and seamlessly transfer them to another for consolidated management, addressing the critical interoperability gaps.\u00a0 This solution delivers flexibility for merchants while offering ease and convenience to customers.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-style: inherit;font-weight: inherit\">In alignment with <a href=\"https:\/\/www.npcisupport.org.in\/portal\/en\/home\">NPCI<\/a>&#8216;s new interoperability framework, this solution enables Payment Aggregators (PAs) to dynamically route mandates through one acquirer and recurring payments through another. Furthermore, merchants can route transactions across multiple PAs for the same mandate, optimising success rates and enhancing customer experience.<\/span><\/p>\n","protected":false},"author":35621,"featured_media":566880,"parent":0,"template":"","categories":[11395,42764],"tags":[25560,12474,11409,21391,25864,13518,12802,50465,11803],"class_list":["post-570380","ibsi_news","type-ibsi_news","status-publish","has-post-thumbnail","hentry","category-analytics","category-digital-payments","tag-bhim-upi","tag-bnpl","tag-digital-transformation","tag-fintech-news","tag-mindgate","tag-npci","tag-payu","tag-person-to-person-p2p-transfers","tag-upi"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.9 (Yoast SEO v24.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>PayU and Mindgate launch UPI NXT stack to expand presence in India\u2019s UPI ecosystem<\/title>\n<meta name=\"description\" content=\"The two flagship UPI products - UPI NXT and TPAP NXT - aim to deliver speed, reliability, and customisation for merchants across\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ibsintelligence.com\/ibsi-news\/payu-and-mindgate-launch-upi-nxt-stack-to-expand-presence-in-indias-upi-ecosystem\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PayU and Mindgate launch UPI NXT stack to expand presence in India\u2019s UPI ecosystem\" \/>\n<meta property=\"og:description\" content=\"IBS Intelligence (IBSi) is the world\u2019s only pure-play Financial Technology focused research, advisory, and fintech news analysis firm, with a 30-year track record and clients globally. 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