Is the UPI data returned verified and real-time?

Yes. Every VPA returned is validated against live bank directories, so payment platforms and lending apps can trust the handles for payouts and collections.

What are the use cases of a mobile number to UPI ID API?

Fintechs use it for payout routing, lending apps for repayment collection, marketplaces for seller settlements, and UPI apps for contact discovery.

FinanceOperational

Number to All UPI API

Retrieve all active UPI IDs associated with an Indian mobile number. Returns verified UPI handles across all banks.

~4.3s
Avg Response: 100%
Uptime: 99.7
Reliability Score

Try It Live

Live API PlaygroundSandbox

GET https://api.cstudio.sbs/v1/upi/lookup-by-number?mobile_number=9876543210

Sandbox mode returns sample data. Get a free API key for live responses.

Key Features

All linked UPI IDs
Cross-bank discovery
Verified data
Account holder names

Endpoint

GET https://api.cstudio.sbs/v1/upi/lookup-by-number

Code Examples

cURL example

-string">"token-command">curl -X GET -string">"https://api.cstudio.sbs/v1/upi/lookup-by-number?mobile_number=9876543210" \
  -H -string">"X-API-Key: YOUR_API_KEY" \
  -H -string">"Content-Type: application/json"

Sample Response

Sample Response JSON

{
  "_account": 1,
  "_credits": "API Powered by cStudio",
  "number": "9876543210",
  "total_active_upi": 1,
  "vpas": [
    {
      "accountType": "PRIMARY_DEFAULT",
      "bank": "State Bank of India",
      "name": "RAHUL SHARMA",
      "vpa": "9876543210@ybl"
    }
  ]
}

Number to All UPI Pricing

Start with the free Basic plan — upgrade as you scale. To get an API key, message us on WhatsApp.

Basic

$0.00/mo

Requests: 5 / MonthHard Limit
Rate Limit: 1000 requests / hour

Start Free

Pro

$4.99/mo

Requests: 100 / Month
Rate Limit: Uncapped

Choose This Plan

Recommended

Ultra

$9.99/mo

Requests: 200 / Month
Rate Limit: Uncapped

Choose This Plan

Mega

Per use

Requests: $0.052 / use
Rate Limit: Uncapped

Choose This Plan

Frequently Asked Questions

Pass the 10-digit Indian mobile number to the Number to All UPI endpoint. cStudios queries issuer banks in real time and returns every verified UPI handle linked to that number, with bank name and account holder name.

How to Integrate Number to All UPI API

1
Acquire your API key from cStudios.
2
Submit a GET request to /v1/upi/all?mobile=9876543210 with the 10-digit Indian mobile number.
3
Include your credentials in the X-API-Key header.
4
Get a complete list of all verified, active UPI handles (VPA) linked across Google Pay, PhonePe, Paytm, BHIM, and bank apps.
5
Present active UPI handles to users for seamless one-tap payment collection or beneficiary verification.

Number to All UPI API Use Cases

Payment Gateways & Fintechs

Discover all active UPI VPAs linked to a customer's phone number to offer one-click checkout and reduce payment friction.

Digital Lending & NBFCs

Verify customer UPI payment addresses for instant loan disbursals and auto-debit mandate setup.

P2P Payouts & Marketplace Settlements

Find active UPI handles for gig workers, drivers, or sellers to automate instant payout routing without collecting bank IFSC details.

Fraud Prevention

Detect mismatched identities by analyzing all registered UPI accounts associated with a single phone number.

About Number to All UPI API

The Number to All UPI API by cStudios is a high-speed discovery engine that identifies all active Unified Payments Interface (UPI) Virtual Payment Addresses (VPAs) associated with an Indian mobile number. In India's fast-moving digital payment ecosystem, users often have multiple UPI IDs across PhonePe, Google Pay, Paytm, and bank apps.

This API scans the UPI network to return all active handles linked to a number, enabling payment aggregators, lending apps, and e-commerce platforms to streamline payment collection and verify account holder connectivity.