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Qzip ISO8583 Protocol based NPCI IMPS PPI Wallet Integration

This project intends to provide an Open Source implementation of RBI PPI Wallet integration with NPCI IMPS backend.

The UPI (Unified Payment Interface) itself is based on XML over Https, however, the XML is transformed into two ISO8583/87 Payment Messages, that is 0200 and 0201, and passed over to NPCI Backbone. The PPI Wallet Licensees connect to NPCI IMPS Switching Backbone directly, via ISO8583/87 protocol.

Though ISO8583/87 is dated protocol, but it still powers a robust Financial Transaction Switching Network of ATM and thus NPCI adopted this specification for NPCI infrastructure.

Resources

Open Source

jPOS is the most popular ISO8583 Open Source Project

Java ISO8583 ATM interface levarging jPOS

A minimalist ISO8583 Java Parser

Java Wallet for NPCI PPI

Regulatory

RBI

Master Circular – Policy Guidelines on Issuance and Operation of Pre-paid Payment Instruments in India

Certificates of Authorisation issued by the Reserve Bank of India under the Payment and Settlement Systems Act, 2007 for Setting up and Operating Payment System in India, 01 Jul 2016

NPCI

UPI Specification v1.0

IMPS specification

MPFI ISO8583 IMPS Message Mapping

ISO

ISO8583/87

ISO 8583 Introduction