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Home Banking & Payments UPI Handle Verification
Banking API

UPI Handle Verification API

Verify UPI VPAs in real time. Confirm the beneficiary name linked to any UPI ID to prevent payment fraud and misdirected transfers.

Get Free API Key View Documentation
<1sAvg response
99.9%Uptime SLA
NPCICompliant
UPI Handle Verification VERIFIED
VPArahul@okhdfcbank
Beneficiary NameRAHUL SHARMA
BankHDFC BANK
StatusACTIVE
ISO 27001 Certified 256-bit Encryption Real-Time Response REST & SDK Support Made in India
Overview

What is UPI Handle Verification?

A real-time API that returns the beneficiary name for any UPI VPA. Prevent sending money to the wrong person and reduce payment fraud significantly.

Name Confirmation

Confirm the beneficiary name before initiating a payment.

Fraud Prevention

Detect mismatched or suspicious VPAs before transferring funds.

Sub-Second Response

Optimised for real-time payment flows and mobile apps.

Key Benefits

Safer Payments Everywhere

Fraud Reduction

Cut down wrong-transfer and impersonation fraud dramatically.

Better UX

Show the beneficiary name to the user — instils trust at checkout.

Bulk Mode

Verify thousands of VPAs for marketplaces and payroll platforms.

Audit Trail

Complete logs of every VPA lookup for compliance.

Use Cases

Where It Shines

P2P Transfers
Merchant Payouts
Payroll & Tips
Fraud Prevention
How It Works

Three Steps to Integration

From sandbox to production in under 24 hours — no paperwork, no waiting.

1

Get API Key

Free sandbox access instantly.

2

Verify VPA

POST the VPA. Get beneficiary name in under a second.

3

Go Live

Production within 24 hours.

Sample Request

Confirm Beneficiary in Milliseconds

POST /v1/banking/upi/verify
// Request curl -X POST "https://api.cgpey.com/v1/banking/upi/verify" \ -H "Authorization: Bearer YOUR_API_KEY" \ -H "Content-Type: application/json" \ -d '{ "vpa": "rahul@okhdfcbank" }' // Response { "status": "success", "data": { "vpa": "rahul@okhdfcbank", "beneficiary_name": "RAHUL SHARMA", "bank": "HDFC BANK", "status": "ACTIVE" } }
FAQ

Frequently Asked Questions

Yes — VPA verification works across all UPI handles (Paytm, PhonePe, GPay, BHIM, etc.).
No — VPA lookup returns only the publicly-available beneficiary name as per NPCI norms.
Yes — sub-1-second average response.
Yes — batch API available for marketplaces and payouts.

Ready to integrate?

Get your sandbox credentials in seconds. Talk to our team to go live in production within 24 hours.

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