NPCI owns and operates the Unified Payments Interface (UPI) platform.
NPCI prescribes rules, regulations, guidelines, and the respective roles, responsibilities and liabilities of the participants, with respect to UPI. This also includes transaction processing and settlement, dispute management and clearing cut-offs for settlement.
NPCI approves the participation of Issuer Banks, PSP Banks, Third Party Application Providers (TPAP) and Prepaid Payment Instrument issuers (PPIs) in UPI.
NPCI provides a safe, secure and efficient UPI system and network.
NPCI provides online transaction routing, processing and settlement services to members participating in UPI.
NPCI can, either directly or through a third party, conduct audit on UPI participants and call for data, information and records, in relation to their participation in UPI.
NPCI provides the banks participating in UPI access to system where they can download reports, raise chargebacks, update the status of UPI transactions etc.
Roles and responsibilities of PSP Bank
PSP Bank is a member of UPI and connects to the UPI platform for availing UPI payment facility and providing the same to the TPAP which in turn enables the end-user customers / merchants to make and accept UPI payments.
PSP Bank, either through its own app or TPAP’s app, on-boards and registers the end-user customers on UPI and links their bank accounts to their respective UPI ID.
PSP Bank is responsible for authentication of the end-user customer at the time of registration of such customer, either through its own app or TPAP’s app.
PSP Bank engages and on-boards the TPAPs to make the TPAP’s UPI app available to the end-user customers.
PSP Bank has to ensure that TPAP and its systems are adequately secure to function on UPI platform.
PSP Bank is responsible to ensure that UPI app and systems of TPAP are audited to safeguard security and integrity of the data and information of the end-user customer including UPI transaction data as well as UPI app security.
PSP Bank has to store all the payments data including UPI Transaction Data collected for the purpose of facilitating UPI transactions, only in India.
PSP Bank is responsible to give all UPI customers an option to choose any bank account from the list of Banks available on UPI platform for linking with the customer’s UPI ID.
PSP Bank is responsible to put in place a grievance redressal mechanism for resolving complaints and disputes raised by the end-user customer.
Roles and responsibilities of TPAP
TPAP is a service provider and participates in UPI through PSP Bank.
TPAP is responsible to comply with all the requirements prescribed by PSP Bank and NPCI in relation to TPAP’s participation in UPI.
TPAP is responsible to ensure that its systems are adequately secure to function on the UPI platform.
TPAP is responsible to comply with all applicable laws, rules, regulations and guidelines etc. prescribed by any statutory or regulatory authority in relation to UPI and TPAP’s participation on the UPI platform including all circulars and guidelines issued by NPCI in this regard.
TPAP has to store all the payments data including UPI Transaction Data collected by TPAP for the purpose of facilitating UPI transactions, only in India.
TPAP is responsible to facilitate RBI, NPCI and other agencies nominated by RBI/NPCI, to access the data, information, systems of TPAP related to UPI and carry out audits of TPAP, as and when required by RBI and NPCI.
TPAP shall facilitate the end-user customer with an option to raise grievance through the TPAP’s grievance redressal facility made available through TPAP’s UPI app or website and such other channels as may be deemed appropriate by the TPAP like email, messaging platform, IVR etc.
Customer Grievance Mechanism
You can learn more about filing a grievance with your PSP or with NPCI through the links below:
If you'd like to contact us about payments on WhatsApp, call 1800-212-8552 between the hours of 7:00AM to 10:00PM IST, Monday through Sunday.
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We launched our first website with group4whatsapp.com domain, which we had to shut down due to WhatsApp trademark issue. Then we started the website again after buying a new domain group4whatsup.com.
We didn't just want to post WhatsApp group links for you, but we also wanted to post the rest of the social media networking group links for our website visitors e.g Facebook, Vkontakte, Odnoklassniki, MeWe, Telegram, etc. So we bought a new domain which was necessary to make this dream come true. Which you now know by the name of groupchaton.com.
Apart from social networking group links, you can also see Manhwa recommendation posts and some cashback offer posts on our website.
Please Note :- Group's Name & Purpose can be differ from mentioned in our blog posts. Join groups at your own resposbility.
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