BHIM (NPCI) — UPI / OpenFinance Protocol Analysis and API Integration

Providing compliant BHIM UPI payments, transaction queries, and session management API implementations with deliverable source code and OpenAPI documentation — starting at $300.

Fast delivery · Compliance-first
Supports runnable source code + OpenAPI documentation (Node.js / Python / Go)
OpenData · OpenFinance · Protocol Analysis · Bank Interface Refactoring

Integrate BHIM's payments, secure authorization, and transaction data into your system

We provide non-intrusive protocol reverse engineering based on authorized/public standards, modeling of UPI / UPI-Lite payment flows, standard implementations of VPA/Collect/Payment & Statement APIs, and deliver runnable source code, API documentation, and testing tools.

Session & Authorization Management — simulate login and token refresh, session recovery strategies, and multi-account management based on authorization chains.
Payment Channel Integration — support for UPI Collect/Intent, UPI Lite, RuPay on UPI, and Card-on-UPI (Credit-on-UPI) scenarios.
Transactions & Reconciliation — paginated transaction queries, filters by date/type, export JSON/CSV/Excel, and automated reconciliation scripts.
Compliance & Privacy — data minimization, KYC/Consent retention recommendations, logs and compliance deliverables.
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Deliverables & Technical Solution

Standard Deliverables

  • OpenAPI / Swagger specifications and sample requests
  • Protocol analysis report (auth flows, session management, signing/anti-replay)
  • Runnable backend code (Node.js / Python / Go optional) with deployment scripts
  • Automated tests, CI samples, and API validation documentation
  • Compliance guidance (data retention, privacy, KYC alignment)

Sample Interface: Transaction Query (pseudo-code)

POST /api/v1/bhim/transactions
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  'vpa': 'user@bank',
  'from_date': '2025-09-01',
  'to_date': '2025-09-30',
  'page': 1,
  'page_size': 100,
  'type': 'DEBIT|CREDIT|ALL'
}

Response 200 OK
{
  'status':'OK',
  'total': 245,
  'transactions':[{
    'txn_id':'UPI1234567890',
    'timestamp':'2025-09-10T12:34:56Z',
    'amount':500.00,
    'direction':'DEBIT',
    'merchant':'Shop XYZ',
    'upi_ref':'UPIREF9999',
    'status':'SUCCESS'
  }]
}

Core Modules

Stable authentication workflows, merchant consistency checks, batch reconciliation efficiency, and adapters for exporting to enterprise ERP/CSV/Excel.

Core Value

Fast Integration

Deliver runnable microservices and SDKs to accelerate end-to-end payment and reconciliation integration.

Compliance Model

Provide data minimization, privacy protection, and auditing readiness aligned with local/NPCI guidelines.

Scalability

Modular design enabling cross-border UPI scenarios, merchant acquiring, or integration with existing core banking systems.

API Integration Guide (Overview)

1) Pre-Integration Details

  1. Provide target App name (here: BHIM) and the desired scope (e.g., transactions, payments, reconciliation).
  2. Indicate whether you have a test environment or credentials (sandbox/testing APIs provided by the bank).
  3. Confirm compliance requirements (KYC, audit logs, data retention duration).
  4. Provide technical contacts and network allowlists if direct integration is needed.

2) Implementation Plan

  1. Requirements review → define API boundaries and authentication methods (MPIN / OTP / OAuth / HMAC).
  2. Protocol analysis (2-6 working days) — reverse engineering / mapping and workflow modeling.
  3. Development & automated testing (3-10 working days) — API wrappers and SDKs.
  4. Delivery of documentation, sample OpenAPI, and deployment support (1-3 working days).

Authorization & Security

About Our Studio

We are a boutique focused on app protocol analysis and authorization API integration, with team members from payments, banking, and security research. We deliver end-to-end services from protocol analysis to OpenData/OpenFinance integration and runnable source code with documentation.

  • Supports Android / iOS protocol analysis and API refactoring
  • Deliver OpenAPI specs, SDKs, and automated tests
  • Compliance-centric approach: privacy, data minimization, and logs
  • Transparent pricing; starting at $300 with post-delivery payment options

Contact Us

To request quotes or submit target App details and integration needs, please visit our contact page:

Go to Contact Page /contact.html

📱 Canara ai1 Official App Full Intro (collapsed)

Canara ai1 is a super app from Canara Bank, positioning as “One Bank, One App” and integrating over 300 features across banking operations and lifestyle services.

  • Multi-rail funds transfers: UPI, RTGS, NEFT, IMPS
  • Recurring and incremental deposits (FD/RD) opened and managed
  • Fastag top-ups, EMI/loan repayments, insurance, scheduled payments
  • One-click balance view and downloadable transaction statements
  • Online purchases (hotel, tickets, travel) with quick shopping entry
  • IPO applications (ASBA), Demat management and various savings schemes
  • Card management (debit/credit), card lock, add RuPay cards
  • Pre-login / post-login Scan & Pay, UPI integration and bill payments
  • Passcode, MPIN creation, SMS verification, onboarding wizard
  • Complaint registration, branches contact, customer support email

Note: This document uses Canara ai1 as a sample target App for illustrating our UPI/OpenFinance protocol analysis and API implementation. For specific Canara integrations, please submit requirements and authorized test credentials through the contact page.