Payments Stack — One API for all bank transfers
Our payments stack exposes a simple REST API to initiate fund transfers via IMPS, NEFT, RTGS and UPI to any bank account or UPI ID, with endpoints to check transaction status, receive callbacks, and handle reconciliation.
Banking & Virtual Accounts
Create unique virtual accounts for customers and receive instant notifications when funds arrive via UPI, NEFT, IMPS or RTGS. This enables automated reconciliation and reduces manual effort for merchant settlements.
UPI for Merchants
Issue UPI IDs and QR codes for merchants, accept UPI payments, and get immediate transaction callbacks so your app or backend can process orders or release services instantly.
- ✔ Single unified API: IMPS | NEFT | RTGS | UPI
- ✔ Virtual accounts & auto-reconciliation
- ✔ Instant callbacks & webhooks for real-time processing
- ✔ PCI-lite & secure integrations (implement tokenization)
- ✔ Easy merchant onboarding & UPI QR issuance
Integration Notes
We provide Postman collections, sample SDKs (PHP/Node/Python), and sandbox credentials for end-to-end testing. Production integrations include optional HSM-backed signing for transfer authorisation and support for multiple settlement rails.
Frequently asked questions
How long do IMPS transfers take?
IMPS transfers are typically instant (within seconds). NEFT/RTGS times depend on bank clearing schedules — we surface real-time settlement status via callbacks.
Can I create virtual accounts in bulk?
Yes — our API supports bulk virtual account creation and bulk reconciliation reports to automate settlement and reporting.
Is UPI integration supported for merchants?
Yes — we support issuing UPI IDs and QR codes for merchants and can integrate with NPCI-compliant PSPs as required.