One account to accept UPI payments with your own QR and send money to any bank account or UPI ID — with real-time webhooks and fast settlement.
Accept and disburse from a single login — separate wallets, one dashboard, one API key.
Your own dedicated QR, payment intents and deeplinks. Funds credit your PayIn wallet the moment customers pay.
Pay out to any bank account or UPI ID in India from the panel or the API — IMPS settles in seconds.
POST the amount and order reference, or use your dedicated QR.
They scan and confirm in any UPI app.
Your PayIn wallet updates and the webhook fires.
The merchant app announces the payment aloud.
Funds settle to your verified bank on your cycle.
Amount and bank details via API or panel.
Same account within 5 minutes is blocked.
Balance is reserved before dispatch.
Best-performing processor picked automatically.
IMPS, NEFT, RTGS or UPI dispatched.
Your URL is notified on success.
Separate PayIn and Payout wallets, managed independently.
Callbacks for payout status, PayIn success and settlement updates.
Bearer token auth, JSON in and out. One key for both products.
Real-time balances, charts and recent transaction feeds.
Aadhaar OTP, PAN and bank verification before go-live.
Running balance history, CSV export and date filters.
KYC approval, limits and settlements managed centrally.
Every admin action recorded — who, what and when.
Dedicated QR, live payments and voice alerts on Android.
Payouts are routed to the best-performing processor by amount, live success rate and speed — automatically.
Split traffic across processors by percentage per amount range.
If the primary processor fails, the next is tried instantly.
Processors with rising failures are de-prioritised or paused.
Processor, response time, status and reason for every attempt.
The same Bearer token works for PayIn and Payout. Full documentation is inside your merchant panel.
/api/payin_create.php/api/payin_status.php/api/create_payout.php/api/checkpayout.php// Create a UPI payment intent POST /api/payin_create.php Authorization: Bearer TOKEN { "amount": 500, "udf1": "ORDER_1", "name": "Rahul S", "mobile": "9876543210" } // Response → render a QR from intent_data { "our_txn_id": "PIN2026XX", "intent_data": "upi://pay?tr=..." } // Webhook on success { "event": "payin.success", "data": { "status": "SUCCESS", "net_amount": 490.00 } }
// Send money via IMPS POST /api/create_payout.php Authorization: Bearer TOKEN { "name": "John Doe", "bank_account": "123456789012", "ifsc": "SBIN0001234", "amount": 5000, "payment_mode": "IMPS" } // Webhook on status change { "event": "payout.status_changed", "data": { "status": "SUCCESS" } }
Security and reliability are first-class requirements at every layer of the platform.
HMAC-SHA256 with timestamp; replays blocked outside ±5 minutes.
Database locks prevent duplicate payouts under concurrent calls.
A refunded flag ensures a balance is never credited twice.
Synchronized tokens on every form, IP allow-lists for the API.
Per-module permissions for sub-admins. No shared passwords.
PayIn and Payout can be paused globally or per merchant instantly.
Failed payouts return to the wallet immediately.
Failed deliveries retried automatically with backoff.
Unhealthy processors are removed from routing automatically.
A dedicated UPI QR, a spoken alert for every payment, live collections and settlements — on Android.
Scan to install
Point your phone camera at the code to download the app. Android 8.0 or newer.
PayIn and Payout are available from day one after KYC verification.