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Hyderabad-headquartered digital payments platform **Viyona Fintech** has received approval from the **National Payments Corporation of India (NPCI)** to operate as a **Third-Party Application Provider (TPAP)**. The approval will accelerate Viyona’s plans to offer **Unified Payments Interface (UPI)** services in collaboration with partner banks, expanding access to digital payments across Tier II, Tier III, and underserved rural markets in India, the startup behind **GRAAMPAY** and **Viyona Pay** said in a press release on Monday (September 8, 2025). “The approval reflects NPCI’s confidence in our fintech applications to make UPI payments more accessible for farmers, shopkeepers, and households,” said **Ravindranath Yarlagadda**, Founder of Viyona Fintech. The **GRAAMPAY** platform enables farmers, small merchants, and local communities to seamlessly conduct digital collections, payouts, and UPI transactions. It also supports rural e-commerce and promotes financial literacy through a network of **Village-Level Entrepreneurs (VLEs)**, the company added.