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code402 UPI VPA Check
x402
code402 UPI VPA Check is a paid API for AI agents from hcrb.in, paid per call via x402, $0.005/call, status unknown (last checked 2026-10-11).
Validates a UPI Virtual Payment Address (VPA) format and accreditation offline, returning validity, handle details, and PSP accreditation status via a micropayment-gated API.
Price / call$0.005
Success—
StatusUnknown
How this service works
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.
Output
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.
Example use cases
Pre-transfer UPI address validation
“Before I send ₹5000 to 'vendor.payments@ybl', can you verify that UPI VPA is valid and the PSP is accredited?”
Onboarding UPI ID verification
“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?”
Bulk payout due diligence
“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.”
Technical details
Endpoint
POSThttps://hcrb.in/v1/tools/upi-vpa-check/call?utm_source=zero.xyzWhen to prefer
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.
Side effects
- 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
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| input | object |
Output
Schema · Response
{
"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"
}
}Tags
x402
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