Viyona Fintech Gains NPCI Clearance to Operate as a Third-Party Application Provider

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 marks a major milestone in the Hyderabad-based company’s growth strategy, enabling Viyona to offer Unified Payments Interface (UPI) services in collaboration with partner banks and expand access to digital payments across Tier II, Tier III, and underserved rural markets in India.

“This approval reflects NPCI’s confidence in our fintech capabilities to make UPI payments more accessible for farmers, shopkeepers, and households. Through GraamPay, we are committed to delivering simple and secure financial tools that empower both urban and rural communities,” said Ravindranath Yarlagadda, Founder of Viyona Fintech.

Viyona’s flagship product, GraamPay, addresses the unmet digital payment needs of rural India. The platform enables farmers, small merchants, and local communities to conduct digital collections, payouts, and UPI transactions with ease. It also supports rural e-commerce and promotes financial literacy through a growing network of Village-Level Entrepreneurs (VLEs).

With this approval, Viyona Fintech is poised to play a pivotal role in advancing India’s digital payment infrastructure and driving greater financial inclusion across the nation.