Montran Expands UPI Infrastructure with MyUPI, UPI Tap & Pay, and Contextual EMI

Mumbai | 22 September 2026: Montran India, a global financial infrastructure technology company, has enabled MyUPI, UPI Tap & Pay, and Contextual EMI through its Unified Payments Interface (UPI) Issuer Switch, supporting banks in operationalising new capabilities introduced at the Global Fintech Fest 2026.

This comes as UPI continues to scale, with 24.51 billion transactions worth ₹29.82 lakh crore (₹29.82 trillion) processed in August 2026, up 22% year‑on‑year.

Montran already has a significant presence across India’s payment infrastructure, processing 140 million transactions daily, powering 40% of RTGS and 53% of NEFT transactions nationwide.

New Capabilities

• MyUPI (formerly UPI Help 2.0):
  • Provides consolidated view of transaction history and mandate information across UPI apps.
  • Enables transaction replay, payee‑context information, user controls, and automated chargeback processing.
  • Fully compliant with NPCI’s Unified Dispute and Issue Resolution (UDIR) guidelines.
• UPI Tap & Pay:
  • Allows payments at compatible POS terminals by tapping NFC‑enabled phones.
  • Montran collaborated with NPCI and bank teams to complete solution design and customisations within 30–45 days, following proof‑of‑concepts and NPP certification.
• Contextual EMI:
  • Integrated within Montran’s contextual payment framework.
  • Enables customers to discover and select eligible EMI options during the payment journey.
  • Already deployed for two major commercial banks.

Julie Esca, CEO, Montran India: “The pace of innovation across UPI continues to accelerate, and banks need infrastructure that allows them to adopt new capabilities quickly without compromising reliability and resilience. By working closely with NPCI and our banking partners, we are helping translate new UPI capabilities into real‑world services for customers. As the ecosystem evolves, Montran remains focused on enabling banks to innovate with confidence and deliver richer, more seamless payment experiences.”

Strategic Impact
As UPI moves beyond transaction processing towards richer payment and customer experiences, Montran’s UPI Issuer Switch enables banks to:

• Adopt new capabilities rapidly.
• Stay connected to the wider UPI ecosystem.
• Deliver seamless, contextual, and customer‑centric payment journeys.

About Montran India
Founded in 2013, Montran India is the largest subsidiary of Montran and a certified NPCI technology partner, delivering payment and capital market infrastructure solutions to India’s banks and financial institutions.

• Operates six offices across India, led from its head office in Mumbai. 🌐 Learn more: www.montran.in

About Montran
Montran is the leading provider of Payment and Capital Market Infrastructure solutions, servicing the world’s foremost financial institutions with mission‑critical installations and operations in 90+ countries. 🌐 Learn more: www.montran.com