India has quietly built something remarkable over the last decade. The Digital Public Infrastructure (DPI) — a set of open, interoperable systems built at a national scale — has become one of the most sophisticated digital foundations in the world. The India Stack, as it is collectively known, includes Aadhaar, UPI, DigiLocker, ONDC, the Account Aggregator framework, and several others.
For most people, these are invisible systems powering everyday transactions. But for businesses building websites and applications in India in 2025, they represent an entirely new set of integration possibilities — and increasingly, a set of customer expectations that are reshaping what a functional business website needs to do.
ONDC: The Open Network for Digital Commerce
The Open Network for Digital Commerce went from pilot to mainstream faster than almost anyone in the industry predicted. By mid-2025, ONDC processes a significant share of India's food delivery, grocery, and mobility transactions through an open protocol that breaks the monopoly of closed platforms.
For web development, this means businesses can now build their own seller interface and connect directly to the ONDC buyer network — rather than being dependent on a single marketplace like Amazon or Flipkart for their digital distribution. The technical requirement is building a compliant ONDC seller node, which requires proper API development, cataloguing standards, and logistics integration.
This is creating a new category of web development work — ONDC seller applications — that did not exist two years ago. Businesses that move first in their categories on ONDC are seeing organic traffic without the cost-per-click pressure of traditional marketplace advertising.
UPI Credit Lines: A New Payment Primitive
The Reserve Bank of India's approval of credit lines on UPI has created a new payment layer that e-commerce websites need to accommodate. Customers can now access pre-approved credit directly through their UPI app — without a separate credit card or BNPL (Buy Now Pay Later) app.
For businesses selling higher-value products or services online, integrating UPI Credit Line support through payment gateways like Razorpay or Juspay allows customers to pay in installments through an interface they already trust. Early adopters are seeing meaningful improvement in checkout conversion for orders above ₹5,000.
DigiLocker Integration for B2B and Service Businesses
If your business requires customers to submit documents — for verification, onboarding, or compliance purposes — DigiLocker integration has become a genuine differentiator. Rather than asking customers to scan and upload documents, DigiLocker integration allows verified documents (driving licences, PAN cards, degree certificates, insurance policies) to be shared directly from the government-issued digital vault.
This reduces friction in onboarding flows dramatically, is significantly more fraud-resistant than uploaded scans, and signals to customers that your business takes their data seriously.
What This Means for Web Development Teams in India
The India Stack is maturing fast, and the gap between businesses that integrate with it and those that do not is widening. A website that accepts UPI payments through a basic payment gateway was modern in 2020. In 2025, leading businesses are integrating UPI Autopay for subscriptions, ONDC for distribution, and DigiLocker for document workflows.
The web development skill set required to build on this infrastructure is growing more specialised. Developers working with Indian businesses increasingly need fluency in REST APIs for government systems, ONDC protocol specifications, and the security requirements of handling Aadhaar-linked data under DPDPA.
If your business is thinking about how to leverage India's DPI stack for a competitive advantage, our team at Webzy has experience building integrations across the India Stack and can scope what makes sense for your specific use case.