OBPM on receiving ‘Pay Request to Debit (ReqPay_Debit API)’ on behalf of Remitter Bank in an xml format over HTTPS, it is able to process the debit request by debiting the Payer Account and send back response xml along with success/failure response codes to NPCI UPI.

OBPM upon receiving ‘Pay Request to Credit (ReqPay_Credit API)’ on behalf of Beneficiary Bank in an xml format over HTTPS, it is able to process the credit request by crediting the Payee Account and send back response xml along with success/failure response codes to NPCI UPI.

OBPM generates Debit/Credit Notifications to Payer/Payee upon completion of accounting.