UPI Transaction Databases

 

Broad categories of data generated

1. Identity Data
   • Name
   • UPI ID (VPA)
   • Mobile number
   • Bank account identifiers
   • Merchant identifiers
2. Financial Data
   • Amount
   • Currency
   • Settlement details
   • Mandate information
3. Transaction Data
   • UTR
   • Transaction ID
   • Timestamp
   • Status
   • Purpose
   • Remarks
4. Merchant Data
   • Merchant name
   • Merchant ID
   • MCC
   • Invoice number
   • QR information
5. Technical Data
   • Device ID
   • App ID
   • IP address
   • Device fingerprint
   • Operating system
   • SIM details
6. Security & Compliance Data
   • Authentication method
   • Fraud scores
   • Risk indicators
   • AML monitoring
   • Velocity checks
   • Audit logs
7. Location Data (where available)
   • GPS coordinates (if the app has permission)
   • Merchant location
   • Network location
   • Time zone

This table reflects the logical information associated with UPI transactions. Not every field is exposed to every participant, and many internal fields (such as fraud scores, routing metadata, or compliance flags) are used only by banks, payment service providers, or the UPI network for security, routing, settlement, and regulatory purposes.

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Data available to different participants

Participant	Typical Data Available
Payer	Amount, payee name, UPI ID, date/time, UTR, remarks, status, merchant name, invoice (if any)
Payee	Amount, payer name, payer UPI ID, UTR, date/time, remarks, status
Payer Bank	Full customer profile, linked accounts, authentication details, device details, transaction history
Payee Bank	Beneficiary account details, merchant information, settlement information
UPI App (PSP)	Transaction metadata, device information, app usage, fraud indicators, consent records
NPCI Switch	Routing information, transaction identifiers, participating banks, timestamps, settlement data, network-level monitoring information
Merchant	Amount, customer UPI ID (or masked identifier depending on integration), merchant reference, invoice, payment status, timestamp ======================================================= Below is a comprehensive reference table covering the major UPI transaction types and the principal data elements typically generated, exchanged, or stored during a transaction. The exact fields can vary depending on the bank, UPI app, merchant integration, and specific NPCI message format, but this captures the information commonly involved. Data Element P2P (UPI ID) P2P (Mobile No.) P2M (Merchant) QR Payment Collect Request AutoPay Account + IFSC UPI Lite Transaction ID (UTR) ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ UPI Transaction Reference ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Date ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Time ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Amount ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Currency ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Transaction Status ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Payer Name ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Payee Name ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Payer UPI ID ✓ Optional ✓ ✓ ✓ ✓ Optional ✓ Payee UPI ID ✓ ✓ ✓ ✓ ✓ ✓ Optional ✓ Payer Mobile Number Optional ✓ Optional Optional Optional Optional Optional Optional Payee Mobile Number Optional ✓ Optional Optional Optional Optional Optional Optional Payer Bank Name ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Payee Bank Name ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Payer Account Number (masked) Internal Internal Internal Internal Internal Internal ✓ Internal Payee Account Number (masked) Internal Internal Internal Internal Internal Internal ✓ Internal IFSC Code Internal Internal Internal Internal Internal Internal ✓ Internal Merchant Name — — ✓ ✓ Optional ✓ — Optional Merchant ID — — ✓ ✓ Optional ✓ — Optional Merchant Category Code (MCC) — — ✓ ✓ Optional ✓ — Optional QR Code ID — — Optional ✓ — — — — QR Type (Static/Dynamic) — — Optional ✓ — — — — Invoice Number — — Optional ✓ Optional Optional — — Bill Number — — Optional Optional ✓ Optional — — Purpose Code Optional Optional ✓ ✓ ✓ ✓ Optional Optional Remarks ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Mandate ID — — — — — ✓ — — Mandate Frequency — — — — — ✓ — — Mandate Start Date — — — — — ✓ — — Mandate End Date — — — — — ✓ — — Maximum Mandate Amount — — — — — ✓ — — Debit Authentication Time — — — — — ✓ — — Device ID Internal Internal Internal Internal Internal Internal Internal Internal App ID Internal Internal Internal Internal Internal Internal Internal Internal OS Version Internal Internal Internal Internal Internal Internal Internal Internal IP Address Internal Internal Internal Internal Internal Internal Internal Internal SIM Identifier Internal Internal Internal Internal Internal Internal Internal Internal Device Fingerprint Internal Internal Internal Internal Internal Internal Internal Internal GPS Location (if permitted) Optional Optional Optional Optional Optional Optional Optional Optional Authentication Method (PIN/Biometric) ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ PSP App Name ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ PSP Identifier ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Issuer Bank ID ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ Acquirer Bank ID ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ NPCI Routing Details Internal Internal Internal Internal Internal Internal Internal Internal Settlement Batch Details Internal Internal Internal Internal Internal Internal Internal Internal Fraud Risk Score Internal Internal Internal Internal Internal Internal Internal Internal Velocity Checks Internal Internal Internal Internal Internal Internal Internal Internal AML / Compliance Flags Internal Internal Internal Internal Internal Internal Internal Internal Chargeback / Dispute Reference Optional Optional Optional Optional Optional Optional Optio