Viyona Fintech Secures NPCI Approval to Launch UPI Services Through GraamPay and Viyona Pay

Hyderabad-based startup Viyona Fintech has secured approval from the National Payments Corporation of India (NPCI) to operate as a Third-Party Application Provider (TPAP), opening the door for its entry into the rapidly growing Unified Payments Interface (UPI) ecosystem.

The fintech, which developed GraamPay and the Viyona Pay app, stated in a press release on September 8 that the approval will accelerate its efforts to expand digital payments across Tier II, Tier III, and rural markets in India, in collaboration with banks.

“This 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. He added that the company is focused on building secure and simple financial tools for both urban and underserved communities.

Viyona’s flagship platform GraamPay addresses the digital payment needs of rural India, enabling farmers, small merchants, and local communities to carry out digital collections, payouts, and UPI transactions. The platform also promotes rural e-commerce and financial literacy through a network of Village-Level Entrepreneurs (VLEs).