Viyona Fintech has secured Third-Party Application Provider (TPAP) approval from the National Payments Corporation of India (NPCI) to launch Unified Payments Interface (UPI) services nationwide. The announcement positions Viyona Fintech as a key player in India’s fintech sector, especially in promoting financial inclusion across rural and urban markets.
Through this NPCI authorisation, Viyona Fintech will offer secure and scalable UPI solutions by partnering with various banks. Its flagship offering, GraamPay, is designed to empower farmers, small merchants, and local communities with seamless digital collections, payouts, and frictionless transactions. The integration of UPI services via GraamPay brings digital banking functionalities closer to underserved population groups, enabling instant and reliable payment options for everyday business needs.
Viyona’s strategy focuses on expanding UPI access in Tier II, Tier III cities and rural areas, bridging gaps in digital payments penetration. The company is launching a specialised Farmers Marketplace within GraamPay, which directly connects farmers to buyers. This marketplace aims to assure fair pricing, speedy settlements, and direct access to the digital payments ecosystem for those who traditionally relied on cash-based transactions.
Viyona also leverages technology to support financial literacy expansion through its network of Village-Level Entrepreneurs (VLEs), further strengthening economic empowerment.
Founder Ravindranath Yarlagadda stated that the NPCI’s approval validates Viyona’s commitment to simplifying and securing digital payments for farmers, shopkeepers, and households across India. Viyona Fintech’s platform supports a broad suite of payment services, including PayIn, PayOut, virtual accounts, UPI switching, and new features like UPI Autopay, UPI Lite, and Credit Card on UPI, all aligned with the latest regulatory and technology trends.
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This milestone underlines NPCI’s confidence in Viyona Fintech’s capacity to address unmet needs in India’s evolving digital payments landscape, marking a significant step toward digital financial inclusion for millions of rural and urban users.
