TPAP participation planning examines a third-party UPI application’s operating model, partner arrangements and ecosystem responsibilities.
Understanding UPI TPAP Onboarding Advisory
When to consider this service
Promoters, regulated businesses and compliance leaders assessing an activity-specific regulatory requirement can use this service to clarify a particular issue. A useful starting question is: “Is TPAP participation equivalent to an RBI payment licence?” Begin with the facts behind that question rather than assuming that a standard package will resolve it.
Scope of work
The engagement can cover the following workstreams. The proposal specifies which apply to your matter and what evidence or specialist input is needed.
- Map app PSP-bank and NPCI roles.
- Review customer data and operational controls.
- Plan onboarding evidence and partner coordination.
Documents and information to prepare
Start with the records below where available. They help establish the facts before a more specific checklist is agreed.
- App designs.
- Partner proposals.
- Security architecture.
- Operating policies.
Provide the relevant entity, transaction or reporting period and any existing notice or deadline. Identify missing or inconsistent records so they can be addressed explicitly.
A key issue to resolve
TPAP onboarding is not a generic standalone RBI licence; the UPI ecosystem and applicable participant requirements must be examined.
How the engagement works
- Define the question: map app PSP-bank and NPCI roles, using the available app designs and the facts you provide.
- Examine the evidence: review customer data and operational controls. Record unresolved information and the assumptions that affect the analysis.
- Agree the action: plan onboarding evidence and partner coordination. Set the required deliverables, responsible owners and any follow-up or external dependency.
Deliverables, fees and timing
The proposal for UPI TPAP Onboarding Advisory sets out the analysis, documentation or coordination deliverables and the work you retain. The availability of app designs, partner proposals, security architecture and operating policies affects readiness and the amount of follow-up needed. Fees and the working schedule are agreed after that initial assessment. Any required independent report, legal representation or authority application is identified as a separate responsibility where relevant.
Official resources
Use these official resources for the relevant framework. Application to a particular entity, period or jurisdiction requires a separate assessment.
Discuss your requirement
Share a short summary of your UPI TPAP Onboarding Advisory requirement and the records already available. BIATConsultant can assess the proposed scope and explain the next steps.
FAQ
Practical questions about UPI TPAP Onboarding Advisory.
Is TPAP participation equivalent to an RBI payment licence?
TPAP onboarding is not a generic standalone RBI licence; the UPI ecosystem and applicable participant requirements must be examined.
What records should I prepare for UPI TPAP Onboarding Advisory?
What can the scope of UPI TPAP Onboarding Advisory include?
How are fees and the schedule agreed?