India's Complete Payment Infrastructure

Collect.
Disburse.
Repeat.

One platform to accept UPI payments and send money to anyone — instantly, securely, at scale.

Start Free Sign In
PayIn · Collect
Accept UPI Payments
Generate QR codes and payment links. Funds hit your wallet the moment customers pay.
UPI QR Instant
Payout · Send
Send Money Anywhere
Disburse to any bank or UPI ID. IMPS settles in seconds with full webhook tracking.
IMPS NEFT RTGS UPI
₹0
Setup Cost
5+
Payment Modes
99.9%
Uptime SLA
REST
API Access
Complete payment stack

Two products.
One merchant account.

Both PayIn and Payout from a single login — separate wallets, unified dashboard.

Collect · PayIn
🟢
Accept UPI Payments
Let customers pay via any UPI app. Generate an intent, show a QR or deeplink — funds credit your PayIn wallet in real time.
  • Instant QR / UPI intent via API
  • Real-time webhook on every payment event
  • Dedicated PayIn wallet — separate from Payout
  • Settlement: Instant, T+0 through T+3
  • UTR tracking, wallet ledger, full history
  • Customer UPI ID auto-captured
Start Collecting
Send · Payout
🔵
Disburse Funds Instantly
Send to any bank account or UPI ID in India. IMPS settles in under 30 seconds. Automate bulk payouts via REST API.
  • IMPS / NEFT / RTGS / UPI all supported
  • Webhook on every payout status change
  • IP whitelisting + 2-step OTP security
  • Bank KYC whitelist verification
  • Fund load via bank transfer with proof
  • Per-merchant daily & monthly limits
Start Sending
PayIn Flow

How collecting works

From API call to wallet credit in seconds.

1

Call API

POST amount + customer details

2

Show QR

Render UPI intent as QR or deeplink

3

Customer Pays

They scan & confirm in any UPI app

4

Wallet Credit

PayIn wallet credited, webhook fires

5

Settle

Request bank settlement anytime

Platform

Built for serious
payment businesses

Bank-Grade Security

2-step OTP, IP whitelist, CSRF protection, audit log on every action.

Dual Wallets

Separate PayIn and Payout wallets, managed independently.

Webhooks Everywhere

Callbacks on payout status, PayIn success, and settlement updates.

REST API

Bearer token auth. JSON in, JSON out. One key for both products.

Live Dashboard

14-day charts, real-time balances, recent transaction feeds.

Multi-Merchant Admin

KYC approval, limit controls, settlement processing centrally.

Ledger & Reports

Running balance history, CSV export, and date filters.

Audit Logging

Every admin action recorded — who, what, when.

KYC Verification

Document upload verification before payouts unlock.

Developer API

Both products.
One API key.

Same Bearer token for PayIn and Payout. Full docs inside your merchant panel.

Payout
POST /api/create_payout.php
GET /api/checkpayout.php
PayIn
POST /api/payin_create.php
POST /api/payin_status.php
Full docs in your panel → API Details
PayIn — Create QR
payin_create.php
// Create UPI payment intent
POST /api/payin_create.php
Authorization: Bearer TOKEN

{ "amount":500, "udf1":"ORDER_1",
  "name":"Rahul S", "mobile":"9876543210" }

// Response → render 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 }}
Payout — Send Money
create_payout.php
// 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" }}
Intelligent Engine

Payouts routed by
our smart engine

Every payout is automatically routed to the best-performing processor based on amount, real-time success rates, and speed — without you lifting a finger.

Weighted Distribution
Traffic split across processors by configurable percentage per amount range.
Automatic Failover
If the primary processor fails, the next one is tried instantly — only one API call at a time.
Health Monitoring
Processors with high failure rates are automatically de-prioritised or paused.
Full Attempt Logging
Every routing attempt stored — processor used, response time, status, and reason.
Live routing decision — example
Amount range · ₹100 – ₹1,500
80%
Processor A
20%
Processor B
Failover: A → B → C if failure
Real-time health
Processor A
97%
Processor B
89%
Processor C
100%
Payout Flow

From request to bank
in seconds

A single API call kicks off the entire chain — wallet deducted, processor selected, funds dispatched, and your webhook notified automatically.

Create Payout

POST amount + bank details via API or panel

Dedup Check

Duplicate prevention — same account within 5 min blocked

Wallet Deducted

Balance locked instantly before dispatch

Smart Route

Best processor selected automatically

Bank Transfer

IMPS / NEFT / RTGS / UPI dispatched

Webhook + UTR

Your URL notified with UTR on success

No retry policy — by design
If a payout fails, your wallet is refunded instantly and automatically. We never retry failed transactions — preventing accidental double-debits. You see the exact failure reason.
Security

Enterprise security.
Zero compromise.

Every layer of the platform is built with security as a first-class requirement — not an afterthought.

API Signing

Every API request signed with HMAC-SHA256 including timestamp. Replay attacks blocked within ±5 minutes.

CSRF Protection

All forms protected by synchronized tokens. Cross-site request forgery blocked on every action.

Race Condition Guard

Database-level locks prevent duplicate payouts even under concurrent API calls.

Double-Refund Guard

Wallet refunded flag ensures your balance is never credited twice on the same failed transaction.

Audit Trail

Every admin action permanently logged with timestamp, IP address, and action details.

Service Controls

PayIn and Payout can be disabled globally or per-merchant in real time from the admin panel.

KYC Verification

Payout access unlocked only after identity documents are reviewed and approved by admin.

Granular Access

Sub-admins get per-module permissions. No shared passwords. Full role-based access control.

Mobile App

Manage payouts
from your phone

The Instant Payout Android app gives you your full merchant dashboard in your pocket — balance, transactions, create payouts, and track status on the go.

Live balance and daily stats at a glance
Create and track payouts from your phone
View PayIn transactions and UTR details
Instant notifications on payout success or failure
Force update — always on the latest version
Dark and light theme — your preference saved
Download for Android
 Direct APK install · No Play Store required · Auto-updates enforced
Instant Payout
Available Balance
₹ ●●,●●●
Tap to reveal
24
Today's Payouts
₹1.2L
Volume Today
Recent
J●●●n D●●●
IMPS
₹5,000
R●●●l S●●●
NEFT
₹12,500
P●●●a G●●●
IMPS
₹2,200
Reliability

Built to run
without interruption

Auto-Polling Cron

Status of every pending payout and PayIn is checked automatically in the background — no manual intervention required.

Instant Auto-Refund

Failed payouts are refunded to wallet automatically and immediately. No support ticket needed.

Webhook Retry

Failed webhook deliveries are retried automatically with exponential backoff — 3 attempts.

Idempotency

Every payout has a unique ID. Duplicate submissions are detected and rejected before any money moves.

Telegram Alerts

Critical events — failed payouts, low balance, gateway errors — sent to your Telegram instantly.

Gateway Health Watch

Active processors are monitored in real time. Unhealthy ones are automatically removed from the routing pool.

Free to start · No setup fee

Start collecting and
sending money today

Both PayIn and Payout available from day one after KYC verification.

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