One Identifier. Every PaymentRail.

The Universal Payment Identifier (UPI) is your business's verified payment identity. It tells payers exactly where and how to pay you, eliminating the risk of payment misdirection, impersonation, and manual verification. It works across ACH, wire, and international transfers.

Your UPI
US6F2A05
Verified business identity
Works on any payment rail
8-character format
Key Features

Why UPI Works

Creates a single source of truth. Each business has one canonical identity and payment destination.

Verified Identity

The UPI is an identity-first system. Every UPI generated is backed by a successful ID verification and AI-powered face scan, tracing back to a verified individual within an organization.

Instant Resolution

Look up any UPI and instantly receive payment details for your chosen payment rail.

Universal Compatibility

Works across ACH, domestic wire and international wire.

Nacha Compliant

Meets new Nacha verification requirements, keeping you ahead of regulations.

How it works

Business Verification

Verify your legal entity

01

Identity Verification

Confirm authorized representatives

02

Add Bank

Connect your payment destination

03

UPI Generated

Your unique identifier is ready

04

Ready to Receive Payment Securely

Start accepting verified payments

05
The Problem

Payment Fraud Is Rampant

Fraudsters intercept emails, impersonate legitimate businesses, and redirect payments. Without identity verification built into payment rails, these attacks succeed.

83% to 97%of large organizations are targeted weekly

The Solution

Identity-Embedded Payments

Aplite UPI embeds verified identity directly into payments. Every UPI is linked to a real business, verified person, and banking information. UPI provides proactive visibility before money moves.

< 1 secondsUPI lookup

Immutable by Design.

Each UPI is unique to one business and cannot be changed or spoofed. Banking details linked to a UPI cannot be changed or altered.

Bank-Grade Security.

All data encrypted at rest and in transit. Fraudsters can impersonate vendors and intercept payment communications, but UPIs are immutable. Once searched, you gain full visibility and know the underlying banking information actually belongs to the business you intend to pay.

Everything AP Needs. One Place.

A UPI holds everything accounts payable teams need to process a successful payment- business information, verified banking details, and tax documents, all in one place.

Ready to Get UPI?

Join verified businesses using Aplite to secure their payments. Start the verification process today.