To identify authorized UPI API usage, businesses and users must confirm the provider’s status with NPCI Authorized APIs come with official certification and follow established security protocols so there’s safe handling of transactions and data. Providers display these certifications, making them easy to verify.
On the other hand, unauthorized services often lack proper documentation or demand excessive permissions unrelated to payment authentication. These providers may also fail to offer transparent support for regulatory compliance. Reviewing security features like encryption, audit trails, and integration with verified payment processors further confirms safe UPI API usage.
