Viyona Fintech Receives NPCI Approval for UPI Services Through GraamPay and Viyona Pay Platforms

Viyona Fintech, a Hyderabad-based startup, has received approval from the National Payments Corporation of India (NPCI) to operate as a Third-Party Application Provider (TPAP), according to news reports. This approval enables the company to offer Unified Payments Interface (UPI) services in partnership with banks, expanding its presence in India’s fast-growing digital payments ecosystem.

Platforms Covered

The NPCI approval covers Viyona’s two applications — GraamPay and Viyona Pay — both of which will now support UPI-based transactions. The company announced the development through a press release issued on September 8, 2025.

Expansion into Smaller Markets

Viyona Fintech stated that the NPCI authorization will accelerate its mission to expand digital payment access across Tier II and Tier III cities, as well as underserved rural areas. This move is expected to deepen UPI penetration beyond metropolitan centers and bring more users into India’s digital economy.

GraamPay’s Role

GraamPay, the company’s flagship platform, is tailored for rural India. It provides farmers, shopkeepers, and households with tools for digital collections, payouts, and UPI-based transactions. The platform also promotes rural e-commerce and financial literacy through Village-Level Entrepreneurs (VLEs), helping to strengthen grassroots participation in the digital ecosystem.

Leadership Statement

As per reports, Ravindranath Yarlagadda, Founder of Viyona Fintech, said, “This approval reflects NPCI’s confidence in our fintech applications to make UPI payments more accessible for farmers, shopkeepers, and households.”

Conclusion

With NPCI approval in place, Viyona Fintech is set to roll out UPI services through GraamPay and Viyona Pay, marking a key milestone in its effort to expand digital payment infrastructure across India’s smaller towns and rural regions.