Viyona Fintech Secures NPCI Approval for UPI Services via GraamPay, Viyona Pay

Viyona Fintech, a Hyderabad-based startup, has received approval from the National Payments Corporation of India (NPCI) to function as a Third-Party Application Provider (TPAP), as per the news reports. This allows the company to offer Unified Payments Interface (UPI) services in partnership with banks.

Platforms Covered

The approval includes Viyona’s two applications, GraamPay and Viyona Pay. Both platforms will now be able to support UPI-based transactions. The company announced the development in a press release issued on September 8, 2025.

Expansion into Smaller Markets

Fintech stated that the NPCI nod will help accelerate its plans to increase digital payment access across tier II and tier III cities, as well as underserved rural areas. The services are expected to expand UPI penetration beyond metropolitan regions.

GraamPay’s Role

GraamPay, Viyona’s flagship platform, is designed for rural India. It provides farmers, shopkeepers, and households with tools for UPI transactions, digital collections, and payouts. The platform also supports rural e-commerce and financial literacy programs through Village-Level Entrepreneurs (VLEs).

Read more: NPCI Raises UPI Limits on High Value Transactions: Check Full List Here!

Farmers Marketplace

As part of its expansion, Viyona said it will launch a Farmers Marketplace within GraamPay. This feature is intended to connect farmers directly with buyers. It is expected to improve price transparency, speed up settlements, and promote wider use of UPI in agricultural trade.

Leadership Statement

As per news reports, Ravindranath Yarlagadda, Founder of Viyona Fintech, stated, “This approval reflects NPCI’s confidence in our fintech applications to make UPI payments more accessible for farmers, shopkeepers, and households”.

Conclusion

With NPCI approval in place, Viyona Fintech is set to roll out UPI services through GraamPay and Viyona Pay. The development is an expansion of digital payment infrastructure into smaller towns and rural regions of India.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.