Case Study: Dvara Money achieves faster, lower-cost UPI collections with Decentro

How Decentro helped Dvara Money to Enable Financial Wellness

Dvara Money, a community neobank focused on financial inclusion for urban low-income and gig-economy households, needed a better way to manage collections and reconciliation as it expanded across India. To support its Spark Money platform and Spark Account offering, the company looked for a payments infrastructure that could simplify payment flows and improve customer experience. Decentro provided the banking and payments APIs used to address these challenges.

With Decentro’s API suite centered on UPI payouts, Dvara Money enabled instant UPI access, smoother collections, and real-time reconciliation with direct bank transfers. The partnership delivered more than 80% cost reduction versus traditional payment gateways, 5X lower collection costs, 10X faster integration timelines, and high transaction success rates, including 99.31% for UPI ID validation and 97% for payouts. Decentro also helped Dvara Money achieve >99.9% uptime and faster, more transparent settlements.

Dvara Money

Pramod Ghorpade

Chief Executive Officer