{"uid":"cap_8e_r7QE0e392_wKWniBQc","slug":"code402-upi-vpa-check-4b7fbed2","name":"code402 UPI VPA Check","description":"Offline deterministic checks (no ML, no scraping) for business identifiers and rental due-diligence, paid per call via x402 (gasless EIP-3009 USDC on Base). Checksum-verifiable (IBAN, LEI, VAT, ABA, ISBN, SEDOL…) vs format-only (EIN, IFSC, SWIFT/BIC…) — every response returns a scope field. Non-custodial, signed receipts. First 3 calls/day free.","url":"https://hcrb.in/v1/tools/upi-vpa-check/call?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"input":{"type":"object","required":["vpa"],"properties":{"vpa":{"type":"string","description":"UPI Virtual Payment Address (e.g. 'merchant@okhdfcbank', '9876543210@paytm')"}}}}},"responseSchema":{"type":"json","schema":{"type":"object","required":["tool","valid"],"properties":{"tool":{"type":"string"},"scope":{"type":"string"},"valid":{"type":"boolean"},"handle":{"type":"string"},"reason":{"type":"string"},"country":{"type":"string"},"username":{"type":"string"},"normalized":{"type":"string"},"accredited_psp":{"type":"boolean"}}},"example":{"valid":true,"reason":"checksum valid"}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.005","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.005/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.005","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.005","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_CtdKZVx_TkFZ7IbXeY9Et","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.005","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Validates a UPI Virtual Payment Address (VPA) format and accreditation offline, returning validity, handle details, and PSP accreditation status via a micropayment-gated API.","exampleAgentPrompt":"Can you check whether the UPI VPA 'rahul.sharma@okicici' is valid and if it belongs to an accredited payment service provider?","exampleUseCases":[{"title":"Pre-transfer UPI address validation","prompt":"Before I send ₹5000 to 'vendor.payments@ybl', can you verify that UPI VPA is valid and the PSP is accredited?"},{"title":"Onboarding UPI ID verification","prompt":"We have a new seller who gave us their UPI ID as 'store123@paytm' — can you validate the format and check if the payment handle is properly accredited?"},{"title":"Bulk payout due diligence","prompt":"I need to pay a freelancer at 'freelancer.work@upi' — run a quick offline check to confirm that VPA is valid and normalize it for our records."}],"resultDescription":"A JSON object containing: a boolean 'valid' field, the 'scope' indicating check type (format-only or checksum-verified), the parsed 'handle' and 'username', a 'normalized' canonical form of the VPA, the 'country' code, whether the PSP is 'accredited_psp', and a human-readable 'reason' string explaining the result.","failureModes":["Invalid or malformed VPA input returns valid:false with a reason explaining the format issue","Unknown PSP suffix may return accredited_psp:false even if format is valid","Network or payment authorization failure prevents the call from completing","Missing or insufficient USDC balance in x402 wallet blocks the request","Rate limit exceeded if more than 3 free daily calls are exhausted without payment setup"],"whenToPreferThis":"Use this endpoint when you need a fast, offline, deterministic check of a UPI VPA without relying on network lookups, ML models, or third-party scraping. It is ideal for due diligence pipelines, payment onboarding flows, or any scenario where you want a cheap ($0.005 per call), verifiable, non-custodial validation with a signed receipt. Prefer it over live UPI resolution APIs when privacy, speed, and cost matter more than confirming the account is currently active.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-11T12:43:34.356Z","isFirstParty":false,"canonicalSlug":"code402-upi-vpa-check-4b7fbed2"}