25th June 2025: BharatPe has cemented its position as a leading fintech infrastructure enabler via its role as the Technology Service Provider (TSP) for Unity Small Finance Bank. In the latest data released by the National Payments Corporation of India (NPCI), Unity Small Finance Bank has recorded a 100% UPI payment success rate, with zero Technical Declines (TD) or Business Declines (BD). This performance, among the best in the industry, underlines the robustness and efficiency of the UPI stack powered by BharatPe.
As a Technology Service Provider (TSP), BharatPe is now among the select few powering UPI infrastructure at scale joining the ranks of players such as Juspay and Mindgate. As a TSP, BharatPe is responsible for managing the core UPI transaction processing layer, ensuring high system availability, seamless throughput, and compliance with NPCI’s evolving protocols.
According to UPI data for May, Unity Small Finance Bank is the only SFB to feature among the top 25 performers—achieving a 100% UPI success rate that surpasses even the country’s leading banks.
The Unity-BharatPe partnership for UPI is one of the few in the country that has launched with such a high level of operational excellence from Day 1. The recent rollout of UPI services by Jar, a TPAP using Unity as the Payment Service Provider and BharatPe as the TSP, further validates the strength and readiness of BharatPe’s technology infrastructure.
BharatPe’s TSP capabilities now position it as a strategic enabler in India’s rapidly evolving digital payments ecosystem. The company is not just building products for merchants—it is building the rails that power next-generation fintech solutions.
“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. The focus now is on execution—building with intent, speed, and reliability,” Sandeep Indurkar, CEO of Resilient Payments had said this earlier.
The Gurugram headquartered fintech, is the only player in India with an NBFC license (Trillion Loans), a stake in a Small Finance Bank (Unity SFB), and an Online Payment Aggregator (PA) license. The UPI TSP capabilities further strengthens its vision of being a full-stack financial services platform. This move is aligned with BharatPe’s long-term strategy of expanding beyond merchant payments into core financial infrastructure. By offering scalable and secure transaction processing as a TSP, BharatPe is now enabling other fintechs and digital-first companies to build on top of its rails—reliably and at scale.
