Decoding TPAP Architecture

27 May 2026

This publication provides an in-depth overview of Third-Party Application Providers (TPAPs) and their role in India’s rapidly evolving UPI ecosystem. It covers the operational framework, authorization process, compliance requirements, security standards, and the growing impact of TPAPs on digital payments and financial inclusion.

As India continues to lead the global real-time payments landscape, understanding the architecture behind UPI becomes more important than ever.

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