1.1.9.1 RuPay Credit Card APIs

RuPay Credit Card APIs enable end-to-end processing for UPI Circle payment journeys across TPAP/Channel, PSP UPI switch, NPCI UPI switch, and Bank systems, covering customer onboarding requests, payment initiation, and retrieval of asynchronous responses through query service.

RuPay Credit Card APIs are enabled by implementing the following API changes.

RuPay Credit Card APIs

Table 1-8 RuPay Credit Card APIs

API	Description
ReqListAccPvd	From PSP UPI switch to NPCI UPI switch, to request the list of issuer banks / account providers and their supported versions (used to identify banks that support Credit Card on UPI via Version 2.99 in the corresponding response).
RespListAccPvd	From NPCI UPI switch to PSP UPI switch, to indicate issuer banks supporting Credit Card on UPI with Version number set to 2.99, description set to CREDIT CARD in RespListAccPvd.
ReqListPsp	From PSP UPI switch to NPCI UPI switch, to request the list of PSPs and their supported versions (used to identify PSPs that support Credit Card on UPI via Version 2.99 in the corresponding response).
RespListPsp	From NPCI UPI switch to PSP UPI switch, to indicate PSPs supporting Credit Card on UPI with Version number set to 2.99, description set to CREDIT CARD in RespListPsp.
ReqListAccount	From TPAP to PSP UPI switch TPAP sends ReqListAccount with ACTYPE set to CREDIT to the PSP UPI switch to retrieve the credit card account(s) linked to the customer’s registered mobile number. The PSP UPI switch stores the request details and returns a synchronous acknowledgment to TPAP.
ReqListAccount	PSP UPI switch to NPCI UPI switch PSP UPI switch forwards ReqListAccount (with ACTYPE=CREDIT) to the NPCI UPI switch. The PSP UPI switch stores the outbound request, receives an acknowledgment from NPCI, and stores the acknowledgment.
ReqListAccount	NPCI UPI switch to Bank UPI switch NPCI UPI switch routes ReqListAccount (with ACTYPE=CREDIT) to the Issuer/Bank UPI switch. Bank stores the request, performs XSD validations, sends acknowledgment to NPCI, and stores the ack details.
RespListAccount	Bank UPI switch to NPCI UPI switch Bank UPI switch queries the Credit Card Management System to obtain the linked credit card details (for example, accRefNumber and maskedAccnumber). It then prepares RespListAccount, sends the response to the NPCI UPI switch, and stores the outbound response. Upon receiving the NPCI acknowledgment, the Bank UPI switch stores the acknowledgment details.
RespListAccount	NPCI UPI switch to PSP UPI switch NPCI forwards RespListAccount to PSP UPI switch. PSP sends acknowledgment to NPCI and stores both the received response and the sent acknowledgment.
Query Service	PSP UPI switch to TPAP/Channel PSP populates the received response for TPAP/Channel in its response table; TPAP/Channel fetches the result using query service.
ReqOtp	TPAP to PSP UPI switch TPAP sends ReqOtp with ACNUM set to the selected credit card identifier (accRefNumber received in RespListAccount) and ACTYPE=CREDIT. PSP UPI switch stores the request and returns a synchronous acknowledgment to TPAP.
ReqOtp	PSP UPI switch to NPCI UPI switch PSP UPI switch forwards ReqOtp (ACNUM=accRefNumber, ACTYPE=CREDIT) to NPCI UPI switch and stores the outbound request. NPCI sends an acknowledgment, which the PSP UPI switch stores.
ReqOtp	NPCI UPI switch to Bank UPI switch NPCI UPI switch routes ReqOtp (ACNUM=accRefNumber, ACTYPE=CREDIT) to the Bank UPI switch. Bank stores the request, performs XSD validations, sends acknowledgment to NPCI, and stores the acknowledgment details.
RespOtp	Bank validates the credit card details (for example, card number and expiry) via the Credit Card Management System, triggers OTP generation via the OTP system, then prepares and sends RespOtp to NPCI. Bank stores the outbound response and the NPCI acknowledgment.
RespOtp	NPCI UPI switch to PSP UPI switch NPCI forwards RespOtp to the PSP UPI switch. PSP sends acknowledgment to NPCI and stores the received response and sent acknowledgment.
Query Service	PSP UPI switch to TPAP/Channel PSP publishes the RespOtp outcome to its response store for TPAP/Channel consumption. TPAP/Channel retrieves the result using the query service.
ReqRegMob	TPAP to PSP UPI switch From Third-Party Application Provider (TPAP) to PSP UPI switch, to register the RuPay credit card for UPI by submitting credit card PIN, OTP, and setting the UPI MPIN. PSP UPI switch stores the request and sends a synchronous acknowledgment to TPAP.
ReqRegMob	PSP UPI switch to NPCI UPI switch From PSP UPI switch to NPCI UPI switch, to forward the ReqRegMob registration request. PSP UPI switch stores the outbound request. NPCI sends an acknowledgment, which the PSP UPI switch stores.
ReqRegMob	NPCI UPI switch to Bank UPI switch From NPCI UPI switch to Bank UPI switch, to forward the ReqRegMob request for issuer-side processing. Bank UPI switch stores the request, performs XSD validations, sends acknowledgment to NPCI, and stores the acknowledgment details.
RespRegMob	Bank UPI switch to NPCI UPI switch From Bank UPI switch to NPCI UPI switch, to respond after validating the credit card PIN with the Credit Card Management System, validating OTP via the OTP system, and securely maintaining the UPI MPIN in the HSM. Bank UPI switch stores the outbound response and the NPCI acknowledgment.
RespRegMob	NPCI UPI switch to PSP UPI switch From NPCI UPI switch to PSP UPI switch, the response of ReqRegMob. PSP UPI switch sends acknowledgment to NPCI, stores the RespRegMob and acknowledgment, and updates the registered mobile master with credit card information.
Query Service	The TPAP/Channel will fetch the response of ReqRegMob from PSP UPI switch using query service.
ReqPay API	The PSP UPI switch initiates the financial transaction by sending ReqPay to the NPCI UPI switch for RuPay Credit Card debit or credit. The NPCI UPI switch then routes the same ReqPay to the Bank UPI switch to post the debit/credit to the RuPay Credit Card account.
RespPay	From Bank UPI switch to NPCI UPI switch (and further to PSP UPI switch), to convey the outcome of a ReqPay financial transaction. There is no change in the existing RespPay structure for this feature, however Account type = CREDIT must be supported for RuPay Credit Card transactions.