“Can a certified UPI switching infrastructure layer become the default middleware for Indian banks and fintechs processing real-time UPI payments at scale?”
UPI Switch is a payment infrastructure product (or brand) in the Indian payments ecosystem. The known_customer_listings evidence indicates a Razorpay-launched UPI Switch built in partnership with Airtel Payments Bank, targeting issuers, PSPs, and TPAPs. A separate product, CARD91 UPI Switch Blitz, also operates in this space providing NPCI-certified UPI 2.0 switching for banks and fintechs. The evidence does not conclusively establish whether 'Upi Switch' refers to a standalone company or to the Razorpay/Airtel product; the most attributable reference is the Razorpay-Airtel Payments Bank partnership announcement.