Viyona Fintech Receives NPCI TPAP Approval to Drive UPI Growth Across Tier II III and Rural Markets

Hyderabad-headquartered startup Viyona Fintech, one of India’s fastest-growing digital payment platforms and the developer of GRAAMPAY and the Viyona Pay app, has been granted approval by the National Payments Corporation of India (NPCI) to operate as a Third-Party Application Provider (TPAP).

This approval marks a major milestone in Viyona’s growth journey and accelerates its plans to offer Unified Payments Interface (UPI) services in collaboration with partner banks, further expanding 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 and our mission to make UPI payments more accessible for farmers, shopkeepers, and households. Through GRAAMPAY, we are committed to providing simple, secure, and scalable financial tools that empower both urban and rural communities,” said Ravindranath Yarlagadda, Founder of Viyona Fintech.

Viyona’s flagship platform, GRAAMPAY, is designed to meet the growing digital payment needs of rural India. The platform enables farmers, small merchants, and local communities to perform digital collections, payouts, and UPI transactions seamlessly. It also supports rural e-commerce and promotes financial literacy through a network of Village-Level Entrepreneurs (VLEs).

Viyona Fintech provides a robust suite of UPI-based financial transaction services, including PayIn, PayOut, Virtual Account Numbers, and UPI switching. Its platform helps users manage payment collections, disbursements, and reconciliation processes efficiently while maintaining high standards of security and compliance.

About Viyona Fintech:
Viyona Fintech is a digital payments platform offering innovative UPI-based solutions, including UPI Autopay and Credit Card on UPI services. With a strong focus on financial inclusion, accessibility, and regulatory compliance, Viyona empowers individuals, merchants, and communities by delivering transparent, reliable, and easy-to-use digital financial services across India.