Why verify a UPI ID before sending money?

Verifying the VPA before payout prevents failed transactions, mis-directed payments and fraud. Businesses validating beneficiary VPAs see dramatically lower payout failure rates.

What details does the UPI ID verification API return?

It returns the validation status, account holder name as registered with the bank, bank name, IFSC and VPA status — everything needed for safe payouts and KYC cross-checks.

FinanceOperational

UPI Info API

Verify Indian UPI IDs and retrieve account holder details, bank information, and validation status in real-time.

~973ms
Avg Response: 100%
Uptime: 99.9
Reliability Score

Try It Live

Live API PlaygroundSandbox

GET https://api.cstudio.sbs/v1/upi/verify?upi_id=rahul.s@okhdfcbank

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

Key Features

UPI VPA validation
Account holder name
Bank details
Sub-second response

Endpoint

GET https://api.cstudio.sbs/v1/upi/verify

Code Examples

cURL example

-string">"token-command">curl -X GET -string">"https://api.cstudio.sbs/v1/upi/verify?upi_id=rahul.s@okhdfcbank" \
  -H -string">"X-API-Key: YOUR_API_KEY" \
  -H -string">"Content-Type: application/json"

Sample Response

Sample Response JSON

{
  "status": "success",
  "request_id": "req_5b3e8d1a",
  "data": {
    "upi_id": "rahul.s@okhdfcbank",
    "is_valid": true,
    "account_holder_name": "RAHUL SHARMA",
    "bank": "HDFC Bank",
    "ifsc": "HDFC0001234",
    "vpa_status": "ACTIVE"
  },
  "response_time_ms": 973
}

UPI Info 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: 500 / Month
Rate Limit: Uncapped

Choose This Plan

Recommended

Ultra

$14.99/mo

Requests: 1,500 / Month
Rate Limit: Uncapped

Choose This Plan

Mega

Per use

Requests: $0.01 / use
Rate Limit: Uncapped

Choose This Plan

Frequently Asked Questions

The API pings the UPI network for the given VPA and returns whether it is valid, the account holder's registered name and the associated bank — all in under one second.

How to Integrate UPI Info API

1
Register and receive your cStudios API authentication key.
2
Send a GET request to /v1/upi/verify?upi_id=username@okhdfcbank.
3
Pass your API key in the X-API-Key HTTP header.
4
Receive real-time verification status, verified account holder name from NPCI/banking switch, and bank details in <1s.
5
Use the verified name to ensure account ownership before processing payouts or financial transactions.

UPI Info API Use Cases

Fintech & Instant Payouts

Validate the recipient's UPI VPA and retrieve the exact bank account holder name before initiating instant bank transfers or refund payouts.

Digital Lending & Loan Disbursal

Verify that the borrower's submitted UPI ID matches the loan applicant's KYC name to prevent impersonation and fraud.

E-Commerce Seller Onboarding

Verify seller UPI IDs for automated marketplace settlements, eliminating return-to-origin payment errors.

Gaming & Fantasy Sports

Validate user UPI IDs for instant withdrawal processing while complying with regulatory anti-fraud guidelines.

About UPI Info API

The UPI Verification API (UPI Info) by cStudios provides real-time VPA validation and account holder name lookup across the NPCI UPI network. By querying banking switches in under 1 second, the API verifies whether a UPI Virtual Payment Address is active and returns the official account holder name as registered with the issuing bank.

Preventing wrong transfers and ensuring strict KYC compliance, this API is trusted by Indian fintechs, lending apps, e-commerce marketplaces, and payout aggregators for reliable payment verification.