The National Payment Corporation of India (NPCI) has issued an
operating circular (NPCI/UPI/OC No 153/2022-23) on 5 July 2022 (OC)
stipulating guidelines for capturing customer location on Unified
Payments Interface (UPI).
BACKGROUND
UPI runs a set of standard application programming interfaces
(API's) to facilitate online immediate payments for both person
to person (P2P) and person to merchant (P2M) transactions. The core
features of UPI, both financial and non-financial, are delivered
using these specific API's. From time to time, NPCI has issued
guidelines defining the message specifications and the intended
purpose of these API's and the usage of the information
retrieved from the API's, which are required to be strictly
complied with by all the members participating in the UPI
infrastructure. Geo-tagging (location / geo-code) information being
part of the said API framework is also captured for the payments
made via UPI.
