Hyderabad-based startup Viyona Fintech has received approval from the National Payments Corporation of India (NPCI) to operate as a Third-Party Application Provider (TPAP), marking a significant milestone in its journey to join India’s rapidly growing Unified Payments Interface (UPI) ecosystem.

With this approval, Viyona is set to roll out UPI services through its flagship platforms, GraamPay and Viyona Pay, focusing on accelerating digital financial inclusion across Tier II, Tier III, and rural markets in India. The company plans to collaborate with partner banks to scale its reach.

“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 emphasized the company’s mission to develop secure, simple, and inclusive financial tools for both urban and underserved communities.

GraamPay, the company’s flagship platform, is designed to address the unmet digital payment needs of rural India. It enables farmers, small merchants, and local communities to perform digital collections, payouts, and UPI transactions. Beyond payments, GraamPay also supports rural e-commerce and financial literacy, leveraging a growing network of Village-Level Entrepreneurs (VLEs) to drive awareness and adoption.

Looking ahead, Viyona plans to launch a Farmers Marketplace on GraamPay, connecting farmers directly with buyers. This initiative aims to improve price transparency, enable faster settlements, and boost UPI adoption in rural trade.

With NPCI’s green light, Viyona Fintech is poised to become a key player in India’s digital payment revolution, especially in regions that have remained underserved by mainstream fintech solutions.