
Hyderabad headquartered Startup Viyona Fintech, One of India’s fastest-growing digital payment platforms, and the developer of GRAAMPAY and the Viyona Pay app has been granted approval by the National Payments Corporation of India (NPCI) to operate as a Third-Party Application Provider (TPAP).
This approval accelerates Viyona’s growth plans to offer Unified Payments Interface (UPI) services in collaboration with partner banks, further expanding access to digital payments across Tier II, Tier III, and underserved rural markets in India.
“This approval reflects NPCI’s confidence in our fintech applications to make UPI payments more accessible for farmers, shopkeepers, and households. Through GRAAMPAY and the Farmers Marketplace, we are focused on providing simple and secure financial tools that support both urban and underserved rural communities,” said Ravindranath Yarlagadda, Founder of Viyona Fintech.
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Viyona’s flagship product GRAAMPAY, is designed to address the unmet digital payment needs in rural India. The platform enables farmers, small merchants, and local communities to carry out digital collections, payouts, and UPI transactions. It also supports rural e-commerce and promotes financial literacy through a network of Village-Level Entrepreneurs (VLEs).
As part of its expansion strategy, Viyona is preparing to launch a Farmers Marketplace within its GRAAMPAY platform. The new feature will connect farmers directly with buyers, aiming to improve price transparency, speed up settlements, and expand access to UPI-based payments.
Viyona Fintech provides a range of UPI-based financial transaction services, including PayIn, PayOut, Virtual Account Numbers, and UPI switching. Its platform is designed to help users manage payment collections, disbursements, and reconciliation processes while ensuring security and operational efficiency.
About Viyona Fintech: Viyona Fintech is a digital payments platform offering innovative UPI-based solutions, including UPI Autopay, UPI Lite, and Credit Card on UPI services. With a strong focus on financial inclusion, accessibility, and regulatory compliance, Viyona empowers individuals, merchants, and communities by delivering transparent, reliable, and easy-to-use digital financial services across India.
As part of its expansion strategy, Viyona is preparing to launch a Farmers Marketplace within its GRAAMPAY platform. The new feature will connect farmers directly with buyers, aiming to improve price transparency, speed up settlements, and expand access to UPI-based payments.
Viyona Fintech provides a range of UPI-based financial transaction services, including PayIn, PayOut, Virtual Account Numbers, and UPI switching. Its platform is designed to help users manage payment collections, disbursements, and reconciliation processes while ensuring security and operational efficiency.
About Viyona Fintech: Viyona Fintech is a digital payments platform offering innovative UPI-based solutions, including UPI Autopay, UPI Lite, and Credit Card on UPI services. With a strong focus on financial inclusion, accessibility, and regulatory compliance, Viyona empowers individuals, merchants, and communities by delivering transparent, reliable, and easy-to-use digital financial services across India.

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