the Switch
Behind Every UPI Transaction –
acquiring, issuing
SEE HOW
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NPCI-ready Acquiring and Issuing, real-time transaction processing, and direct Core Banking integration — one switch to launch and run UPI end to end.
The UPI Switch Concept
The Layer Between an App and NPCI
Every UPI payment passes through a switch before reaching NPCI. Our UPI Switch validates, routes, and processes each transaction in real time across both acquiring and issuing sides.
Built for high-volume, always-on UPI transactions, it delivers fast processing, reliable performance, and seamless scalability.
codemesh imps switch platform
transaction
routing
iso 8583
message handler
validation &
enrichment
transaction
processing engine
retry / reversal
engine
monitoring &
analytics
Application & processing layer
ACQUIRING
ISSUING
IMPS API
adapters
callback
handler
notification
service
idempotency
manager
session
manager
configuration &
feature mgmt
API & service layer
payment channels
WAF / DDoS Protection
Load Balancer
transaction
routing
IMPS Gateway API
Private MPLS / VPN Connectivity
deployment options
on-premise
private cloud
hybrid cloud
foundational capabilities
high availability
scalability
(10,000+ TPS)
security & encryption
observability &
monitoring
disaster recovery
24x7 operations
real time transaction flow
secure connectivity
logs / data flow
NPCI imps network
NPCI IMPS SWITCH
(ACUQUIRING)
NPCI IMPS SWITCH
(ISSUING)
networking & edge layer
mobile Bank apps
internet banking
bank branches & staff
ATMs
corporate / erp systems
fintech / psp apps
merchant / qr services
third party application
third party &
external c0nnectors
mobile Bank apps
internet banking
bank branches & staff
ATMs
corporate / erp systems
fintech / psp apps
merchant / qr services
third party application
Data & persistence layer
transaction DB
master / reference db
message store
(write ahead log)
Cache
file / document store
audit / log store
data warehouse
Bank & platform infrastructure
core banking system (cbs)
hsm / key management
compliance & audit
reconciliation engine
business / mis reporting
24x7 real-time processing
iso 8583 compliant
zero transaction loss
secure & compliant
complete data sovereignty
ACQUIRING + ISSUING
Two Sides of Every UPI Transaction
From originating the transaction to authorising it against the customer’s account, CodeMesh brings acquiring and issuing together on one UPI Switch.
Acquiring
The side that originates the transaction
QR
collect
intent
Initiate payment request via..
QR, COLLECT, INTENT
onboarding
Merchant onboarding
settlement
Settlement & Reconciliation
refund
instant refund
kyc
KYC & RISK ASSESSMENT
dispute
dispute initiation
reports
monitoring & REPORTING
issuing
The side that owns the account
bank
Core system
Validate, authorize & post the transaction.
ensure account validity, check balance, Authenticate & Complete settlement.
UPI Capabilities
What runs underneath both
These run as shared services across the whole platform, not duplicated per role.
Mandate & AutoPay Engine
created on the acquiring side, authorised and executed on the issuing side, tracked as one lifecycle
UDIR Dispute Resolution
Security
Compliance & Audit
Reporting & MIS
WHO WE SERVE
Scale UPI Confidently, No Matter Your Role in the Ecosystem
These run as shared services across the whole platform, not duplicated per role.
Banks
Run both issuing and acquiring under your own license instead of depending on a TPAP for one side or an external switch vendor for the other.
PSPs / TPAPs
Get acquiring-side NPCI connectivity as a ready platform, so your team builds the customer experience, not the plumbing underneath it.
PayFacs / Payment Aggregators
ring merchants live and keep them reconciled through one integration that combines the acquiring switch with onboarding and settlement.
Fintechs / Neobanks
Wire UPI into the same platform handling your onboarding, KYC and recon — one relationship instead of five vendors.
NBFCs
Move loan disbursement and EMI collection in real time over UPI, without building payment infrastructure your core business isn't built to run.
Built to Simplify
Financial Infrastructure.
CodeMesh brings payments, onboarding, compliance, operations, and reconciliation together on one technology foundation — reducing complexity while enabling faster, more scalable financial infrastructure.
99.9%
Switch uptime across all deployed banks
Merchant onboarding
reduced to
3 Mins
07
Vendor relationships replaced with one platform.
Dispute handling effort reduced by
60-70%
Our Trust Centre
CERTIFIED. COMPLIANT. TRUSTED.
KNOW MORE
ISO 27001
PCI DSS
NPCI Certifications
Discover What's Possible
Let's Discuss & Design
Your Business Stack
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Media
credit buereau
Company
About CodeMesh
Our Team
Contact Us
Contact
helpdesk@codemeshdigital.com
+91 12121 23232
Chennai, Tamil Nadu, India.
Codemesh
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