title: How to integrate NPCI UPI APIs?
body: <p>In the doc provided by NPCI(<a href="https://nfinite.in/product-detail/8cce7b57-b64e-458d-915f-b07e115bb1e3" rel="nofollow noreferrer">https://nfinite.in/product-detail/8cce7b57-b64e-458d-915f-b07e115bb1e3</a>) there are APIs for integrating UPI. How tp integrate these APIs as it is asking the attributes like transactionID,orgID, device details, IdentityID and type etc..</p>
  <pre><code>enter code herupi:ReqBalEnq xmlns:upi=&quot;http://npci.org/upi/schema/&quot;
  Head ver=&quot;2.0&quot; ts=&quot;2018-02-17T13:39:56.040+05:30&quot; orgId=&quot;112233&quot; msgId=&quot;NPC7215eda0afca42a1aa410a2d0349fss4&quot;/
  Txn id=&quot;NPC2f38ef0cd4b74bdeaeb6c8cb449c4109&quot; note=&quot;ReqBalEnq&quot; refId=&quot;NPC7215eda0afca42a1aa410a2d0349fss4&quot; refUrl=&quot;http://npci.org/upi/schema&quot; ts=&quot;2018-02-17T13:39:56.040+05:30&quot; type=&quot;BalEnq&quot;
      RiskScores
          Score provider=&quot;sp&quot; type=&quot;TXNRISK&quot; value=&quot;111&quot;/
          Score provider=&quot;NPCI&quot; type=&quot;TXNRISK&quot; value=&quot;11&quot;/
      /RiskScores
  /Txn
  Payer addr=&quot;919819971213@upi&quot; code=&quot;0000&quot; name=&quot;ABC&quot; seqNum=&quot;1&quot; type=&quot;PERSON&quot;
      Info
          Identity id=&quot;abcdefsga&quot; type=&quot;ACCOUNT&quot; verifiedName=&quot;Ram&quot;/
          Rating VerifiedAddress=&quot;TRUE&quot;/
      /Info
      Device
          Tag name=&quot;MOBILE&quot; value=&quot;918143308193&quot;/
          Tag name=&quot;GEOCODE&quot; value=&quot;19.0911,72.9208&quot;/
          Tag name=&quot;LOCATION&quot; value=&quot;INDIA&quot;/
          Tag name=&quot;ID&quot; value=&quot;868210034695367&quot;/
          Tag name=&quot;OS&quot; value=&quot;Android7.1.2&quot;/
          Tag name=&quot;IP&quot; value=&quot;10.186.153.241&quot;/
          Tag name=&quot;APP&quot; value=&quot;com.upi.axispay&quot;/
          Tag name=&quot;TYPE&quot; value=&quot;USDC&quot;/
          Tag name=&quot;CAPABILITY&quot; value=&quot;011001&quot;/
          Tag name=&quot;TELECOM&quot; value=&quot;AIRTEL&quot;/
      /Device
      Ac addrType =&quot;MOBILE&quot;
          Detail name=&quot;MMID&quot; value=&quot;7654321&quot;/
          Detail name=&quot;MOBNUM&quot; value=&quot;912378983423&quot;/
      /Ac
      Creds
          Cred type=&quot;AADHAAR&quot; subType=&quot;AADHAAR-BIO-FP&quot;
              Meta lk=&quot;43442343423423423&quot; ac=&quot;1234dfg56h&quot; sa=&quot;2312356789&quot; uid=&quot;123455432167&quot; ver=&quot;2.0&quot;/
              Data code=&quot;NPCI&quot; ki=&quot;20150822&quot;
                  base-64 encoded/encrypted authentication data
              /Data
          /Cred
          Cred type=&quot;OTP&quot; subType=&quot;SMS&quot;
              Data  code=&quot;NPCI&quot; ki=&quot;20150822&quot;
                  base-64 encoded/encrypted authentication data
              /Data
          /Cred
          Cred type=&quot;PIN&quot; subType=&quot;MPIN&quot;
              Data code=&quot;NPCI&quot; ki=&quot;20150822&quot;
                  base-64 encoded/encrypted authentication data
              /Data
          /Cred
          Cred type=&quot;CARD&quot; subType=&quot;CVV1&quot;
              Data code=&quot;NPCI&quot; ki=&quot;20150822&quot;
                  base-64 encoded/encrypted authentication data
              /Data
          /Cred
      /Creds
      Amount value=&quot;20.00&quot; curr=&quot;INR&quot;
          Split name=&quot;PURCHASE&quot; value=&quot;1&quot;/
      /Amount
  /Payer
  </code></pre>
  <p>/upi:ReqBalEnq</p>
  <p>And is it possible to Integrate NPCI APIs directly, like without contacting any Bank?</p>