Viyona Fintech
Viyona Fintech is an NPCI-certified payment infrastructure provider offering UPI Switch, BBPS, eKYC, eNACH, and payout services through a unified API to Indian banks, NBFCs, fintechs, and government clients, plus consumer and rural financial inclusion products.
- Company typePrivate
- Founded2022
- HeadquartersHyderabad, India
- Headcount101–250
- GTM typeB2B and B2C
- OfferingSoftware
What Viyona Fintech does
Viyona Fintech India Private Limited is an NPCI-certified Technology Service Provider incorporated in 2022 and headquartered at T-Hub in Hyderabad, India. The company operates a multi-rail payment infrastructure stack spanning UPI Switch, IMPS, eKYC Setu, eNACH, Bharat Connect (BBPS), UPMS, API Banking, and Payout/VAN reconciliation services, wrapped in a single unified REST API with SDKs across Node.js, Python, Java, PHP, and .NET. It sells primarily to Indian financial institutions — scheduled commercial banks, cooperative banks, RRBs, small finance banks, payment banks, NBFCs, HFCs, insurance companies, AMCs, fintechs, payment aggregators, enterprises, and government departments — and complements that enterprise franchise with a consumer UPI app (VIYONA), a 50K-strong VLE agent network, a rural marketplace (GraamMart), a state-government-anchored rural payments service (GraamPay), and an education ERP with integrated fee collection (CampusPro).
The business model blends volume-based transaction fees (PayIn, Payout, UPI Switch, BBPS, VLE commissions, GraamMart), per-student subscriptions on CampusPro, usage-based eKYC verification billing, and free consumer app monetization through merchant transactions. Distribution runs through three parallel motions: enterprise field sales with a 4-step onboarding flow, an API-first developer portal with sandbox and Postman collections, and a 50+ authorized reseller channel. Reported scale signals include 500M+ cumulative transactions processed, 200+ enterprise partners, 50+ banking partners including SBI/HDFC/ICICI/Axis, 10M+ consumer app downloads, 1,000+ CampusPro institutions, and a 99.99% uptime SLA on PCI-DSS Level 1, ISO 27001, and SOC 2 Type II infrastructure.
Growth since incorporation has been product-led and certification-led rather than funding-led: no external funding rounds are disclosed in the source material, and headcount remains modest at approximately 30-50 across engineering, sales, BD, and operations. The company's near-term strategic emphasis is on expanding the rural financial inclusion footprint (GraamPay, GraamMart, VLE network) and on leveraging NPCI regulatory assets to cross-sell the full payment rail stack to existing banking and NBFC clients.
Viyona Fintech firmographics
Firmographics- Name
- Viyona Fintech
- Legal name
- Viyona Fintech India Private Limited
- Website
- https://viyonafintech.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Viyona Fintech is an NPCI-certified payment infrastructure provider offering UPI Switch, BBPS, eKYC, eNACH, and payout services through a unified API to Indian banks, NBFCs, fintechs, and government clients, plus consumer and rural financial inclusion products.
- Ownership category
- akta.pro rank
Viyona Fintech industry classification
Industry- Product category
- Payment Infrastructure Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)
- akta.pro secondary industries
- Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC), Payment Initiation & Account-to-Account (A2A) Payments (PIS, RTP initiation) (FSAGACAI)
Keywords
Where Viyona Fintech is headquartered
LocationHeadquarters
- HQ city
- Hyderabad
- HQ country
- India
- HQ region
- Asia
Offices2 records
Markets served
Viyona Fintech business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Transaction Fees: Volume-based transaction fees on payment processing through PayIn, Payout, UPI Switch, and BBPS services. Higher volumes result in lower per-transaction costs with no setup fees or hidden charges.
- CampusPro Subscription: Per-student subscription pricing for education ERP platform. No per-transaction fees on academic fee collection. Scales with institution size and modules required.
- eKYC Verification: Monthly billing based on successful verification transactions. Volume-based tiered pricing for higher throughput institutions.
- VLE Agent Commission: Commission-based revenue from Village Level Entrepreneur network. Agents earn commission on every AEPS, DMT, bill payment, and recharge transaction processed.
- GraamMart Marketplace: Rural marketplace connecting sellers and buyers with integrated UPI payments. Zero listing fees with transaction-based revenue.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Volume-based transaction pricing for ViyonaPay |
| Subscription | Monthly | Per-student subscription for CampusPro |
| Usage-based | Monthly | Usage-based eKYC verification pricing |
| Freemium | Pay-as-you-go | Free consumer UPI app |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels8 records
Viyona Fintech product offering
Product offeringCore offering
Viyona Fintech operates an NPCI-certified payment infrastructure providing banks, NBFCs, insurance companies, and fintechs with unified API access to UPI, IMPS, BBPS, eKYC, and eNACH payment rails. The company sells ViyonaPay as a B2B payment orchestration platform for collections and disbursements, along with a consumer-facing VIYONA UPI app, CampusPro education ERP, and GraamPay rural digital payments service.
Product overview
Viyona Fintech is an NPCI and Bharat Connect certified Technology Service Provider (TSP) offering enterprise-grade payment infrastructure for India's digital economy. The product portfolio consists of ViyonaPay (flagship B2B payment orchestration platform for banks, NBFCs, and fintechs), VIYONA (NPCI-approved consumer UPI app with rural services including AEPS, DMT, micro-loans, and GraamMart marketplace), CampusPro (education ERP with integrated payments), and GraamPay (rural digital payments service). Core services include UPI Switch, eKYC Setu, Bharat Connect (BBPS), PayIn, Payout, VAN, API Banking, eNACH, and IMPS - all built on NPCI-certified infrastructure with 99.99% uptime and real-time reconciliation capabilities.
Differentiator
Problem solved
Functional benefit
Brands
- ViyonaPay: Enterprise Payment Platform for Financial Institutions - B2B payment orchestration platform for banks, NBFCs, and fintechs. Process collections, disbursements, UPI payments, and virtual account services through a single unified API.
- VIYONA
- CampusPro
- GraamPay
- eKyc Setu
- Bharat Connect
- Banking Connect (IBMB)
Products and services
- ViyonaPay Flagship B2B payment orchestration platform for financial institutions enabling collections (PayIn), disbursements (Payout), UPI transactions, and virtual account services through a single unified API with real-time reconciliation and multi-bank support.
- VIYONA Consumer UPI App NPCI-approved consumer UPI app enabling digital payments for every Indian. Supports UPI payments, bill payments, recharges, AEPS cash withdrawals, DMT, micro-loans, micro-insurance, and the GraamMart rural marketplace.
- CampusPro Education technology platform combining comprehensive campus management with integrated payment infrastructure for schools, colleges, and universities to manage admissions, attendance, exams, transport, HR, and fee payments.
- GraamPay Rural digital payments service designed to improve digital financial access for rural India, providing secure and seamless digital transactions for small traders, farmers, and local businesses.
- GraamMart Rural hyperlocal marketplace within the VIYONA app connecting sellers (artisans, farmers, small businesses) with buyers. Features integrated UPI payments, logistics support, and zero listing fees.
- eKYC Setu NPCI-certified Aadhaar-based electronic KYC service enabling real-time identity verification via OTP or biometric authentication for banks, NBFCs, insurers, and fintechs.
- UPI Switch Full UPI switching infrastructure certified by NPCI enabling banks to process Collect, Pay, Intent, QR, Mandate, and AutoPay transactions at enterprise scale with routing, settlement, and dispute management.
- Bharat Connect (BBPS) Certified Bharat Connect (BBPS) operator with both BOU (Biller Operating Unit) and COU (Customer Operating Unit) capabilities connecting institutions to India's unified bill payment network with 22,000+ billers.
- PayIn Collections service enabling acceptance of payments via UPI, NEFT, RTGS, IMPS, cards, net banking, and wallets through a single API with real-time confirmation and auto-reconciliation.
- Payout Disbursement service enabling instant fund transfers to any Indian bank account via UPI, IMPS, NEFT, or RTGS with beneficiary management and real-time tracking.
- Virtual Account Numbers (VAN) Automated reconciliation solution generating unique virtual account numbers per customer, invoice, or transaction for instant payment matching and zero-manual reconciliation.
- API Banking Programmatic banking services via APIs enabling balance enquiry, fund transfer, account statement, and multi-bank gateway to 50+ partner banks for enterprises and fintechs.
- eNACH Electronic mandate management for recurring collections including EMI mandates, SIP mandates, and subscription billing with automated mandate registration and collection.
- IMPS Immediate Payment Service for 24/7 real-time interbank transfers up to Rs. 5 lakhs with instant confirmation.
- UPMS (UPI Payment Mandate Service) UPI-based recurring payment mandate service enabling autopay for EMIs, SIPs, and subscriptions through UPI mandate with pre-debit notification.
Quantifiable outcome
- 60% faster settlements with 99.8% auto-match rate for NBFCs
- +3 more outcomes
Companies that use Viyona Fintech
Customer profileNamed customers11 records
Segments9 records
Ideal customer profiles9 records
Viyona Fintech technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
Feature8 records
Viyona Fintech partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core and minor.
- Government of TelanganacoreGovernment partnership for GraamPay launch - digital payment platform for rural India. Telangana IT Minister D. Sridhar Babu inaugurated GraamPay at Viyona headquarters.
- State Bank of IndiacoreSponsor bank and settlement partner for payment rails, enabling UPI, IMPS, NEFT, RTGS transactions through Viyona's NPCI-certified infrastructure.
- HDFC BankcoreSponsor bank partner for payment processing and settlement services.
- ICICI BankcoreSponsor bank partner for payment processing and settlement services.
- Axis BankcoreSponsor bank partner for payment processing and settlement services.
- Yes BankcoreSponsor bank partner for payment processing and settlement services.
- IndusInd BankcoreSponsor bank partner for payment processing and settlement services.
- Federal BankcoreSponsor bank partner for payment processing and settlement services.
- Kotak Mahindra BankcoreSponsor bank partner for payment processing and settlement services.
- NPCIcoreRegulatory and infrastructure partner providing certifications for UPI Switch TSP, IMPS, eKYC Setu, eNACH, and Bharat Connect BBPS services.
- NBBL (NPCI Bharat BillPay Limited)coreRegulatory body for Bharat Connect BBPS certification and operations as both BOU and COU certified operator.
- UIDAIcoreLicensed ASA/AUA for Aadhaar-based eKYC services enabling biometric and OTP authentication.
- Channel Partners (50+ Authorized Resellers)core50+ authorized resellers including banking technology SIs, rural distribution networks, and education technology partners extending market reach.
- EFICYENTminorPartnership to facilitate cross-border UPI acceptance enabling international UPI payment acceptance.
Scale indicators13 records
Recent moves7 records
Expansion highlights8 records
Viyona Fintech competitors and assessment
Company assessmentEmerging players
- Innoviti Payment Solutions: Enterprise payment processing and BBPS platform serving banks and merchants. Comparable to ViyonaPay and Bharat Connect (BBPS) offerings for B2B payment infrastructure and BOU/COU operations.
- Mobikwik: Consumer fintech with UPI wallet, BNPL, and digital payments services including VLE/distributor network. Comparable to Viyona's VIYONA consumer app and rural distribution via VLEs and GraamMart.
Direct peers
- Juspay: Payment infrastructure platform providing UPI processing, orchestration, and checkout solutions. Already a named technology partner of Viyona, but competes directly in payment routing and orchestration for banks and fintechs.
- Razorpay: India's largest B2B payment gateway and payment infrastructure provider offering UPI, cards, net banking, payouts, and API banking. Directly competes with ViyonaPay in the B2B payment orchestration segment serving banks, NBFCs, and enterprises.
- PayU India: Established payment gateway and payment infrastructure provider offering PayIn, payouts, and value-added services to merchants and enterprises. Comparable to ViyonaPay for B2B payment processing and orchestration.
- BillDesk (PayU): India's largest BBPS and bill payment aggregator, directly comparable to Viyona's Bharat Connect (BBPS BOU & COU) offering. Both compete for Biller Operating Unit and Customer Operating Unit status.
- Setu (Indusface): API infrastructure platform for UPI payments, BBPS, eNACH, and account aggregation serving fintechs and enterprises. Directly overlaps with Viyona's API Banking, eNACH, and PayIn/Payout services.
- Cashfree Payments: B2B payment gateway and payouts platform offering PayIn, Payout, Bulk Payouts, and BBPS services to enterprises and fintechs. Closely comparable to ViyonaPay on collections, disbursements, and reconciliation automation.
Broad incumbents
- Pine Labs: Enterprise payment infrastructure and POS provider offering payment acceptance, gift cards, and BNPL solutions. Comparable for B2B payment orchestration and merchant-facing collection infrastructure.
- PhonePe: One of India's largest UPI payment platforms with consumer app, merchant acquiring, and payment infrastructure. Comparable on UPI consumer app (VIYONA), enterprise switching, and unified payments interface stack.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Viyona Fintech social profiles
Digital presenceViyona Fintech compliance and trust
Trust signalCompliance15 records
Viyona Fintech financial estimates
Financial estimateRevenue estimate
Valuation estimate
Viyona Fintech leadership team
Management profileNumber of profiles
Profiles7 records
Viyona Fintech funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Viyona Fintech M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Viyona Fintech
What does Viyona Fintech do?
Viyona Fintech operates an NPCI-certified payment infrastructure providing banks, NBFCs, insurance companies, and fintechs with unified API access to UPI, IMPS, BBPS, eKYC, and eNACH payment rails. The company sells ViyonaPay as a B2B payment orchestration platform for collections and disbursements, along with a consumer-facing VIYONA UPI app, CampusPro education ERP, and GraamPay rural digital payments service.
Is Viyona Fintech a public or private company?
Viyona Fintech is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Viyona Fintech founded?
Viyona Fintech was founded in 2022. It employs 101 to 250 people.
Where is Viyona Fintech based?
Viyona Fintech is headquartered in Hyderabad, India, in the Asia region.
How does Viyona Fintech make money?
Five revenue lines are on record. Transaction Fees are the primary driver. The others are campusPro Subscription, eKYC Verification, VLE Agent Commission and graamMart Marketplace.
Who are Viyona Fintech's main competitors?
Emerging players on record are Innoviti Payment Solutions and Mobikwik. Direct peers are Juspay, Razorpay, PayU India, BillDesk (PayU), Setu (Indusface) and Cashfree Payments. Broad incumbents are Pine Labs and PhonePe.
Does Viyona Fintech have an API?
Yes. Viyona Fintech offers a comprehensive REST API platform for payment services including PayIn, Payout, VAN, UPI, BBPS, eKYC, and API Banking. The API supports OAuth 2.0 and API key-based authentication, with SDKs available for Node.js, Python, Java, PHP, and .NET. Features include webhook notifications for real-time events, sandbox environment for testing, and production API access with versioning support. Developer documentation is at viyonafintech.com/developers.
What industry is Viyona Fintech in?
Viyona Fintech's product category is Payment Infrastructure Software. Its primary akta.pro industry code is FSAGABAN, Payouts, Disbursements & Mass Payments Infrastructure, with a secondary code of FSAGAJAC, Invoicing, Billing & Accounts Receivable Automation. Its NAICS code is 522320 and its SIC code is 6199.