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Banking

Payment Gateway

A hosted checkout and a server-to-server API for collecting payments from customers online. Cards, UPI, net banking and wallets arrive through one integration and settle to your account on a single cycle, so reconciliation is against one statement rather than one per instrument.

What you get

  • Cards, UPI, net banking and wallet collections in one integration
  • Hosted checkout page, or a server-to-server API for full control of the UI
  • Webhooks on every state change, with signed payloads and replay protection
  • Idempotent order creation, so a retried request cannot double-charge a customer
  • Full and partial refunds, from the dashboard or the API
  • Settlement reports that reconcile against a single bank credit

How it works

  1. 1Create an orderYour server calls the order API with an amount and your own reference. The reference is what ties the payment back to your system, and it is returned on every later event.
  2. 2Customer paysRedirect to the hosted checkout, or collect the instrument yourself and post it. The customer completes the bank or UPI authentication step.
  3. 3Confirm on the webhookTreat the signed webhook as the source of truth rather than the browser redirect, which the customer can abandon after the money has moved.
  4. 4SettleCaptured payments settle on your configured cycle, net of fees, with a report that reconciles line by line against the credit.

FAQ

About payment gateway

What happens if the customer closes the browser mid-payment?

The payment continues at the bank. This is exactly why the webhook, not the redirect, is authoritative: an abandoned browser tab tells you nothing about whether the money moved. Orders left unresolved are reported as pending rather than guessed either way.

How quickly does money settle?

Settlement timing depends on the acquiring arrangement behind your account, and we confirm it in writing before you go live rather than quoting a number that may not apply to you.