♧ WE WILL CALL YOU

Request a Callback

Tell us what you need help with, and our team will call you.

+91

Verify your mobile with a 6-digit OTP to submit your request.

Need help now? Send an enquiry through our contact form →

UPI Penny Drop API

Check a UPI address before adding it to your flow.

Verify a customer's UPI ID (VPA) through the provider-managed verification transaction. Get their consent first, and keep the purpose of the check with the result.

Talk to our team Explore features

Need API access? Talk to our team.

Published API reference Authorised access Integration support

A CLOSER LOOK

What you can do with UPI Penny Drop.

See how each feature works.

  1. VPA-based input

    Submit the UPI virtual payment address that your application needs to check.

  2. Explicit consent

    Build the verification request around a clear, customer-approved purpose.

  3. Optional expected name

    Include the beneficiary name when available to provide context for your review.

  4. Purpose and reference

    The documented request supports an optional purpose and a verification reference.

  5. Provider-managed verification

    Use the returned verification outcome; do not treat the operation as a general collection or payout API.

FROM REQUEST TO REVIEW

A clear path through the process.

  1. Explain the check

    Collect explicit consent and state why the UPI address is being verified.

  2. Send the VPA

    Submit the address with the optional name, purpose and reference your workflow needs.

  3. Review the response

    Read the verification result and handle an unclear or failed check before moving ahead.

BUILT AROUND YOUR WORK

Where UPI Penny Drop fits.

Common uses for this API.

Beneficiary review

Check a supplied UPI address before it is added to your records.

Onboarding journeys

Include a consent-led VPA check when it is relevant to the approved customer journey.

UPI-detail updates

Review a new UPI address when an authorised user changes their recorded details.

FOR YOUR DEVELOPMENT TEAM

Take the next step with the right details.

See the documentation for request fields, responses and setup instructions.

  • Check the published inputs, response format and error handling.
  • Keep credentials on your server and collect only authorised data.
  • Confirm provider access and deployment requirements with BankU.

Customer consent and approved access are required. Confirm transaction behaviour and charges before enabling this verification in a customer journey.

GOOD QUESTIONS

Before you get started.

Common questions about UPI Penny Drop.

Is this a normal UPI payment request?

No. The documented purpose is VPA verification through a provider-managed verification transaction.

Is the verification amount fixed?

This page does not promise a transaction amount or fee. Confirm the approved provider behaviour and charges with BankU.

Does it guarantee that a later payment will succeed?

No. A verification result is not a guarantee of later payment availability or success.

EXPLORE MORE

Bank Penny DropBank PennylessIFSC VerificationBank Directory