UPI Verification

Banking & Credit

Resolve a UPI ID to its registered account holder and match the name.

Validate a UPI ID (VPA) and retrieve the name registered to it, with an optional name-match result. A lightweight, instant alternative to account and IFSC verification for gig, marketplace and refund payouts.

Endpoint

POST https://app.emver.io/api/sandbox/v1/upi-verification

Authorization: Bearer YOUR_API_KEY

Content-Type: application/json

Accept: application/json

Request parameters

Field	Type	Description
`u_p_i_i_d_v_p_a` required	string	UPI ID (VPA)
`name_to_match` optional	string	Name to match

Example request

cURL

curl -X POST https://app.emver.io/api/sandbox/v1/upi-verification \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Accept: application/json" \
  -d '{
    "u_p_i_i_d_v_p_a": "string",
    "name_to_match": "string"
}'

import requests

response = requests.post(
    "https://app.emver.io/api/sandbox/v1/upi-verification",
    headers={
        "Authorization": "Bearer YOUR_API_KEY",
        "Accept": "application/json",
    },
    json={
        "u_p_i_i_d_v_p_a": "string",
        "name_to_match": "string"
    },
    timeout=60,
)
response.raise_for_status()
data = response.json()

const response = await fetch("https://app.emver.io/api/sandbox/v1/upi-verification", {
  method: "POST",
  headers: {
    "Authorization": "Bearer YOUR_API_KEY",
    "Content-Type": "application/json",
    "Accept": "application/json",
  },
  body: JSON.stringify({
      "u_p_i_i_d_v_p_a": "string",
      "name_to_match": "string"
  }),
});

const data = await response.json();

$response = Http::withToken('YOUR_API_KEY')
    ->acceptJson()
    ->post('https://app.emver.io/api/sandbox/v1/upi-verification', {
        "u_p_i_i_d_v_p_a": "string",
        "name_to_match": "string"
    });

$data = $response->json();

Replace YOUR_API_KEY and the placeholder values. Use the switch above to see production URLs.

Response

Structure · 200

{
  "status": INTEGER,
  "message": STRING,
  "data": {
    "account_holder_name": STRING,
    "name_match_result": STRING
  }
}

Example · 200

{
  "status": 200,
  "message": "string",
  "data": {
    "account_holder_name": "string",
    "name_match_result": "string"
  }
}

Error · 4xx / 5xx

{
  "status": INTEGER,
  "message": STRING
}

See Errors & status codes for what each status means and which calls are billed.

About this API

UPI is how most Indian gig workers, small sellers and customers prefer to be paid. The UPI Verification API confirms the handle is active and returns the account holder's registered name, so you know the money is going to the person who signed up and not to a handle they typed in wrong.

Pass the name you expect and get a match verdict, removing the need for a separate reconciliation step.

Typical uses

Gig and delivery partner payouts. Verify the UPI handle at onboarding.
Marketplace seller settlements. Confirm small-seller payout details.
Customer refunds and cashbacks. Validate before pushing money out.
Micro-lending disbursal. Fast beneficiary confirmation for small-ticket loans.

Questions

Does it work with every UPI app?: Yes. Any handle on the UPI network resolves regardless of the app that issued it.
Is this a substitute for bank account verification?: For UPI payouts, yes. If you pay by NEFT or IMPS, verify the account and IFSC with the Bank Account Verification API instead.