Digital Payment Specialist

UPI & QR Payment Expert

Specialist in India's UPI ecosystem with deep expertise in NPCI integrations, QR-based payments, and real-time transaction processing. Built systems handling millions of UPI transactions daily with 99.9% success rates.

UPI 2.0 Bharat QR NPCI Integration Dynamic QR Real-time Settlement

1M+

Daily Transactions

99.9%

Success Rate

<2s

Response Time

5+

Bank Integrations

UPI & QR Expertise

NPCI Integration

End-to-end integration with NPCI UPI stack including PSP/TPAP registration, certificate management, and compliance

Dynamic QR Generation

Built scalable QR generation systems supporting Bharat QR, UPI QR with amount embedding and merchant validation

UPI 2.0 Features

Implemented UPI 2.0 features including signed intent, invoice in QR, recurring mandates, and IPO payments

Collect & Intent Flows

Deep expertise in UPI collect requests, intent-based payments, and seamless SDK integrations

Real-time Settlement

Designed real-time reconciliation and settlement systems with instant confirmation callbacks

Dispute Management

Built dispute resolution systems compliant with NPCI guidelines for chargebacks and refunds

Technical Capabilities

UPI Features

  • UPI Collect & Pay requests
  • Intent-based payments (SDK/Deeplink)
  • UPI Mandate (Recurring payments)
  • UPI AutoPay & Subscriptions
  • VPA validation & merchant onboarding

Technology Stack

Java/Kotlin Spring Boot NPCI SDK Redis Kafka PostgreSQL

Building UPI Payment Solutions?

Whether you need NPCI integration, QR payment systems, or UPI 2.0 implementation, I can help architect your solution.

© 2026 Satyendra Singh · Mumbai, India