realme PaySa UPI Hackathon

1743 Registered Allowed team size: 1 - 5

This campaign is over.

idea phase
starts on:
Feb 09, 2020, 10:30 PM
ends on:
Mar 10, 2020, 01:25 PM
Detailed Solution Phase
starts on:
Mar 16, 2020, 07:30 AM
ends on:
May 05, 2020, 01:25 PM


Update: Phase 2 shortlist announced in the Announcements tab

Why realme paySa UPI hackathon?

This hackathon is being organized by M-kash India Financial Solutions pvt ltd which is the developer of realme PaySa App.

We are amazed at the growth of UPI, quick adoption by the Indian consumers and the exponential growth in digital payments that is yet to come. Mobile payment is one of the main pillars of our financial services platform and we are studying UPI closely. We strongly believe that our long terms success depends on our ability to consistently innovate and solve real-life problems or make life better. With the UPI Hackathon event, we plan to identify new solutions, use cases and co-create the future of UPI in India. NPCI and HDFC Bank, with their deep experience in digital payments are supporting us to identify the next best disruptive innovations. We think we can do better when we do it together.

What is the UPI Hackathon all about & theme kya hai?

Dream, conceptualise the storyline, share the story, convince us that the story will truly change India, show willingness to implement, take our support to make the proof of concept and with a bit of luck, win the grand prize. Really simple, isn’t it?

The theme is to work with UPI as the base payment service/platform and provide very innovative or crazy solutions that either make life simpler, save costs, help solve a problem or bring new business opportunities. It could be for individuals or small businesses or it could be useful to urban or rural India.

You could be a student, a start-up with a solution, employees working in very large companies, a payment company or a coder, we are all ears! Please read the document carefully to read rules of the game.

The Hackathon consists of 3 Phases:

Phase 1: Idea Phase

Participants can register on the hackathon page and submit their ideas. These submissions must contain solutions to the problem statements that are added in this phase. This is an online phase.

Ensure that your submission follows the Submission Format.

Phase 2: Detailed Solution Submission:

In detailed solution, you will have to explain your idea further and break it down in the following parameters.

  • Detailed Solution / Core user scenarios: (How it will help, impact & effectiveness of the solution)
  • Tech Stack: Frameworks / Technologies to be used (reason behind choosing the specific technology)
  • Architecture diagram
  • Flow diagrams
  • Solutioning
  • Optional fields such as snapshots, presentations, or PDFs (as uploaded by the team)

Phase 3: Prototype Presentation - Online round

After the ideation shortlisted participants are invited for online prototype presentation on 25th June 2020.

Note: Ensure you follow the Submission Format for all rounds.


Koi clue milega or ideas or problems? We are raring to register our idea!

We have listed below some themes and ideas as indicators of what could be potential areas of work. You may have very different thoughts or themes.  

  1. Customer Registration to UPI: How to make it simpler registering the next 300 million Indians to UPI? Is there a way to make the process even simpler, easier & more secure? How could UPI be used by other devices & platforms such as smart watches or smart TVs?
  2. QR Code penetration: How could we have a QR code everywhere and what could be done to improve the QR scan and pay journey? 
  3. Lending: UPI provides a solid platform for consumer & SME finance. How could we provide loans more easily and cheaper to users? Can UPI help in repayment, collections, credit scores? 
  4. Investments: India is a country of savers. How could UPI platform be used to start micro investments in mutual funds, gold or maybe other instruments? 
  5. B2B solutions using UPI: Many businesses are constantly transacting and paying other businesses. How could UPI add value to some use cases in specific sectors such as FMCG, pharma, retail, telecom, agriculture etc. 
  6. Security and fraud prevention: How could we protect the customer from fraud and increase security without impacting the user experience? 
  7. Education & digital payment literacy: How could we educate the next 300mn Indians about UPI in a simple, cost-effective and easy way? 
  8. Physical shops / retailers / small mobile businesses: How to onboard a merchant to UPI in less than 5 mins with a very simple DIY process? What other value-added services can they receive or give leveraging UPI? 
  9. E-commerce / Digital commerce: How to increase penetration of UPI with the millions of small and big businesses in the digital space and how to make UPI the preferred mode of payment? 
  10. Public transport and government services: How to leverage UPI to make access to public transport simple and easy or transaction for government services easier? 
  11. Rural India or Tier 2/3/4 cities: Any specific solutions for cities where penetration of digital payments is limited?


Mujhe kya milega (Rewards)?

  1. Your chance to have a meaningful impact and be part of India’s digital payment story 
  2. 5 finalist teams will get a chance to present their ideas to big corporate and digital payment leaders on 11th May 2020, a large platform with great visibility 
  3. The 2 winning teams will take their ideas from being just a dream to going live on our platform and a potential contract to work with realme PaySa. 
  4. Money!
Main Prizes
First Prize
INR 10,00,000

Cash prize of INR 10,00,000 (5L at onsite round and 5 after the project goes live)

Second Prize
INR 5,00,000

Cash prize of INR 5,00,000 (2.5L at onsite round and 2.5L after the project goes live)

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