API Suite: UPI 1.0 – OneStack (Acceptance Only) & UPI 2.0 – NPCI

Owner: Bank CBS

Consumer: OneStack / NPCI

• Objective

  This API suite provides banks with standardized interfaces to:

  • Discover Accounts linked to a customer.
  • Fetch Account Balance of a specific account.
  • Check Transaction Status for one or multiple transactions.
  • Fetch Account Statement / Transaction List with filters.
  • Fetch Account Mini Statement (last 10 entries).
  • Simplifies integration with NPCI UPI ecosystem.
  • Standardizes account discovery, balance, and transaction queries across CBS systems.
  • Enables real-time financial services for customers via application.

  These APIs ensure interoperability with NPCI/UPI 2.0 requirements while minimizing integration effort for CBS providers.

• UPI 1.0 - OneStack (Acceptance Only) + UPI 2.0 - NPCI