Digital Payments Platform

Enterprise payment infrastructure, built to scale

Digital Payments Platform

XpressLinc powers secure, real-time payment infrastructure for banks, fintechs, payment aggregators and enterprises — supporting millions of transactions across UPI, IMPS, BBPS, AEPS, cards and merchant acceptance, while remaining compliant with NPCI guidelines.

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The challenge

One platform for the entire payment ecosystem

Modern payment businesses need more than a single rail. They must process UPI, IMPS, BBPS, AEPS and card transactions, onboard and manage merchants, accept QR payments, and reconcile and settle at scale — all under NPCI and RBI expectations.

XpressLinc brings these capabilities together through one integrated payment infrastructure, so banks, aggregators and fintechs can launch and scale securely without stitching together disconnected systems.

The XpressLinc platform

Secure, real-time payment processing

XpressLinc provides the switching, processing, merchant management, reconciliation and settlement infrastructure required to run high-volume digital payments.

Built on NPCI-compliant architecture with an open API framework and multi-bank connectivity, the platform supports the full range of UPI products alongside IMPS, BBPS, AEPS, card acquiring and merchant acceptance.

Why XpressLinc?

NPCI-compliant architecture
Bank-grade security
Real-time, high-throughput processing
Merchant & QR ecosystem management
UPI AutoPay & Credit on UPI enablement
Open API framework
Multi-bank connectivity
Advanced reconciliation & settlement

Capabilities

Complete payments capability

Support every major payment product through a single integrated infrastructure.

UPI

The flagship product — a complete UPI infrastructure.

UPI Issuing
UPI Acquiring
P2P & P2M Payments
UPI AutoPay
Credit on UPI & RuPay Credit Card on UPI
UPI Lite
UPI International
UPI 123PAY

Core Payment Rails

IMPS Switching
BBPS
AEPS
NFS Switching
e-NACH

Merchant Acceptance

Dynamic QR
Static QR
Bharat QR
SoftPOS
Sound Box
Merchant Onboarding

Cards

Card Acquiring
Merchant Acquiring
In-App Payments
Multi-Channel Acceptance

Reconciliation & Settlement

Dynamic Reconciliation
Settlement Management
Transaction Dashboards
Merchant & Settlement Dashboards

Business outcomes

Outcomes for payment businesses

Launch faster

Stand up complete UPI and payment services on NPCI-compliant infrastructure without building rails from scratch.

Scale securely

Process high transaction volumes with bank-grade security, fraud detection and velocity monitoring.

Improve collections

Automate recurring payments through UPI AutoPay mandates and reduce payment failures.

Operate with clarity

Advanced reconciliation, settlement and dashboards give real-time operational visibility.

Industries served

Built for payment-led organizations

Technology & trust

Engineered for regulated financial environments

NPCI-compliant architecture

A real-time, high-throughput payment architecture with an open API framework and multi-bank connectivity, designed for mission-critical payment operations.

Real-time processing
High transaction throughput
Open API framework
Multi-bank connectivity

Integration framework

Connect to NPCI services, banks and enterprise systems through open APIs.

NPCI Services
Multi-Bank Connectivity
CBSNexora Core Banking
LincShield Compliance
Open APIs & Webhooks
Settlement & Reconciliation Systems

Secure by design

Multiple layers of security and operational controls protect every transaction.

End-to-End Encryption
Multi-Factor Authentication & Device Binding
Fraud Detection
Velocity Monitoring
Transaction Risk Scoring
Audit Logs & Real-Time Alerts

Products within XpressLinc

XpressLinc

UPI Platform

Complete UPI acquiring, issuing and next-gen services.

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IMPS Switch

Real-time interbank fund transfer switching.

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BBPS Switch

Bharat BillPay bill payment infrastructure.

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Merchant Acquiring

QR, SoftPOS and merchant onboarding.

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FAQs

Frequently asked questions

Which payment rails does XpressLinc support?

XpressLinc supports UPI (issuing and acquiring), IMPS switching, BBPS, AEPS, NFS, card acquiring, merchant acquiring, QR acceptance and e-NACH, with reconciliation and settlement built in.

Is XpressLinc NPCI-compliant?

Yes. The platform is built on NPCI-compliant architecture and is designed to support millions of secure payment transactions while remaining aligned with NPCI guidelines and RBI expectations.

Does XpressLinc support UPI AutoPay and Credit on UPI?

Yes. XpressLinc supports UPI AutoPay mandates for recurring collections, as well as RuPay Credit Card on UPI and Credit Line on UPI.

Who is XpressLinc built for?

XpressLinc is designed for banks, payment aggregators, fintech companies, NBFCs, government services and enterprises that need to issue, acquire and process payments at scale.

What is XpressLinc?

XpressLinc is LincPay's digital Payments Platform. XpressLinc provides the switching, processing, merchant management, reconciliation and settlement infrastructure required to run high-volume digital payments.

What does XpressLinc include?

XpressLinc spans UPI, Core Payment Rails, Merchant Acceptance, Cards and Reconciliation & Settlement.

Launch your payment platform with XpressLinc

Enable complete UPI and payment services for your bank, fintech or payment business with enterprise-grade, NPCI-compliant infrastructure.

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