Are you a service provider passionate about operating as a payment aggregator and ruling the UPI ecosystem? Get your TPAP license with Corpbiz experts.
What’s Included?
Launch your UPI payment app faster with our expert TPAP License guidance.
Get Free Expert Consultation
Are you a TPAP looking to offer services via UPI? Secure your TPAP license from NPCI with Corpbiz's simple registration process, ensuring compliance and security in digital payments.
A TPAP license, issued by NPCI allows third-party app providers to offer services through UPI. As digital payments replace physical cards, ensuring security and compliance is crucial to mitigate the growing cybercrime risks.
With technological advancements globally, digital payment systems have largely replaced physical debit and credit cards. While these systems offer numerous benefits, cybercrimes continue to emerge as a serious threat, posing a growing challenge to industry participants.
The UPI TPAP license registration ensures that the management of online payments is integrated under one umbrella, which is in line with the guidelines set by NPCI. If you are a TPAP service provider, you must apply for a TPAP license online with the assistance of professionals at Corpbiz.
A TPAP License is granted by the National Payments Corporation of India (NPCI) to operate as a payment aggregator in India and to participate in the Unified Payments Interface (UPI). Third-party application providers must obtain a UPI TPAP license from NPCI, ensuring compliance with NPCI's rules and regulations.
This license guarantees the security and integrity of the UPI platform while offering customers a seamless and secure payment experience.
TPAPs function through PSP banks (Payment Service Provider banks) as intermediaries, ensuring transaction security and efficiency. To become a TPAP, entities must secure a TPAP license from NPCI.
The benefits of securing TPAP license registration are as follows:
A UPI TPAP license is essential for Third-Party Application Providers (TPAPs) to operate within the UPI ecosystem. This license, granted by the National Payments Corporation of India (NPCI), ensures adherence to NPCI's rules and regulations. While not mandatory for all service providers, obtaining a TPAP license can be highly beneficial for payment aggregators. It enhances credibility, and trustworthiness, and provides access to the UPI platform, ultimately improving the payment experience for customers and users.
The eligibility criteria for obtaining a TPAP license online are as follows:
Our experts ensure a smooth and compliant TPAP license application process.
The list of documents required for the UPI TPAP license online is as follows:
We handle all your paperwork so you can focus on your business.
The TPAP license registration process can be intricate, and seeking guidance from expert professionals is highly recommended. Below is a step-by-step guide to the TPAP license registration procedure:
After obtaining a TPAP license registration from NPCI (National Payments Corporation of India), the entity must consistently comply with NPCI's regulations and guidelines to avoid penalties or service interruptions. Post-registration compliance includes:
The list of TPAPs (Third Party Application Providers) in India is as follows:
NPCI, the National Payments Corporation of India, is the concerned authority that grants the TPAP license and is responsible for the following roles and responsibilities:
On 25th March 2021, NPCI issued an SOP for market share Cap for TPAP, mentioning the list points of guidelines:
Payment aggregators act as intermediaries between merchants and acquirers (banks), facilitating the pooling of customer payments and transferring them to merchants after a settlement period. They enable businesses to accept online payments without the need for each merchant to set up individual payment integrations with banks.
Unlike TPAPs, payment aggregators are not required to obtain a TPAP license, though it is strongly recommended. By obtaining a TPAP license, payment aggregators can enter the UPI ecosystem, offering their customers seamless UPI-based payment solutions.
NPCI (National Payments Corporation of India) has outlined exemptions in its SOP (Standard Operating Procedure) for TPAPs that reach the 30% market share cap. To apply for these exemptions, the concerned TPAP must request them through their respective PSP Bank. The goal of these exemptions is to prevent potential market disruptions when a TPAP exceeds the threshold limit.
However, TPAPs must comply with the NPCI volume cap to avoid penalties and ensure smooth service operations. Non-compliance can lead to various consequences, as outlined in the UPI Procedural Guidelines.
To obtain a TPAP license, the applicant must pay costs that include an integration fee and a monthly or annual maintenance fee. The total cost can range from Rs. 7,00,000/- to Rs. 50,00,000/-.
Connect with us for a stress-free TPAP license registration process.
There is no specific timeline mentioned in NPCI rules and regulations. However, depending on the completeness and accuracy of the documentation, the process for obtaining a TPAP license online typically takes between four months to one year.
Corpbiz is a leading legal service provider in India, offering comprehensive assistance for obtaining a Third-Party Application Provider (TPAP) license from the National Payments Corporation of India (NPCI). Here's why you should choose us for your TPAP license needs:
Connect with Corpbiz experts for a smooth and compliant TPAP license process.
Legal Researcher
Written by Neha Dawra. Last updated on Jun 14 2026, 11:48 PM
Neha Dawra has 4+ years of experience in legal research and intellectual property advisory. Her expertise lies in analyzing IP laws, drafting structured legal content, and simplifying complex registration procedures into clear, simple insights.
Trusted by thousands of businesses across India for seamless compliance, registrations, and advisory services.
We were planning to launch a UPI-based payment app but were unsure about the TPAP License process and NPCI compliance. The Corpbiz team guided us at every step—from documentation to coordination with the sponsor bank. Their expertise made the entire process smooth and hassle-free. Highly recommended for fintech startups.
Obtaining a TPAP License can be complex, but Corpbiz made it incredibly easy for our company. Their team explained the regulatory requirements clearly and handled the application process efficiently. Thanks to their professional support, we were able to move forward with our UPI integration quickly.
