BharatPe-Backed Unity SFB Achieves 100% UPI Success Rate in NPCI Data

BharatPe has established itself as a leading fintech infrastructure provider through its role as the Technology Service Provider (TSP) for Unity Small Finance Bank. According to the latest data from the National Payments Corporation of India (NPCI), Unity Small Finance Bank has achieved a remarkable 100% success rate for UPI payments, with no Technical Declines (TD) or Business Declines (BD). This performance, which is among the best in the industry, highlights the robustness and efficiency of the UPI stack powered by BharatPe.

As a TSP, BharatPe is now one of the select few companies providing UPI infrastructure at scale, joining the ranks of players like Juspay and Mindgate. BharatPe manages the core UPI transaction processing layer, ensuring high system availability, seamless transaction throughput, and compliance with NPCI’s evolving protocols. In the UPI data for May, Unity Small Finance Bank is the only small finance bank to be included among the top 25 performers, achieving a 100% UPI success rate that surpasses even the country's leading banks.

The partnership between Unity and BharatPe for UPI is one of the few in the country that launched with such a high level of operational excellence from day one. The recent launch of UPI services by Jar, a Third Party Application Provider (TPAP) using Unity as the Payment Service Provider and BharatPe as the TSP, further validates the strength and readiness of BharatPe’s technological infrastructure.

BharatPe’s capabilities as a TSP now position it as a strategic enabler in India’s rapidly evolving digital payments ecosystem. The company is not only developing products for merchants but also building the foundational infrastructure that supports next-generation fintech solutions.

Sandeep Indurkar, CEO of Resilient Payments, emphasized, "We're looking to broaden our footprint across high-potential markets, enhance our product suite, and bring more innovation to how businesses accept and manage digital payments. Our focus is on execution—building with intent, speed, and reliability.​