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Commercial Banking Rails

Commercial Accounts & Banking Infrastructure

Operate modern commercial banking workflows directly within your business software. Open connected business accounts, generate dedicated virtual accounts for customer collection, and automate reconciliation with enterprise bank partners.

banking.commercial.ledger
CONNECTED
Account Type:Current Business Account
Virtual Inbound Account:PAYD9812401 (State Bank of India)
Available Balance:₹48,20,500.00
Reconciliation:100% Automated Auto-Matched
Platform Capabilities

Programmable banking infrastructure built for high-growth enterprises.

Connect traditional commercial bank accounts with modern API-driven workflows. Create automated customer payment collection accounts, streamline multi-entity treasury, and automate vendor payments from one unified interface.

Instant Virtual Account Number (VAN) generation for customer NEFT/RTGS/IMPS collection
Real-time auto-reconciliation mapping inbound payments to customer invoices
Multi-signatory approval workflows with custom authorization thresholds
Automated sweep-in and sweep-out cash management rules
Direct integration with major Indian banking networks and sponsor banks
Complete visibility into daily liquidity, cash inflows, and payout outflows

Infrastructure Specifications

Connection SecurityMutual TLS (mTLS) with Hardware Security Module (HSM)
Virtual Account TypesDedicated Virtual Bank Account & Custom UPI VPA
Reconciliation Latency< 500ms Instant Webhook Dispatch
Approval SecurityMulti-User Role-Based Access Control (RBAC)
Banking RailsIMPS, NEFT, RTGS & e-NACH Direct Switches
Why Choose Us

Engineered for reliability, scale & speed.

Deliver seamless experiences to your agents, merchants, and customers.

Virtual Account Collections

Assign unique virtual bank accounts to each customer or client, completely eliminating manual payment matching.

Real-Time Balance Visibility

Check live account balances, pending transactions, and settled reserves across all business accounts in real time.

Bank-Grade Encryption

All banking API integrations utilize strict mutual TLS (mTLS), IP whitelisting, and cryptographic signing.

Enterprise Multi-Signatory

Enforce company financial policies with tiered maker-checker approvals and customizable authorization matrices.

Automated Liquidity Sweeps

Automatically transfer idle end-of-day balances into yield-bearing or primary treasury accounts.

Comprehensive Audit Logs

Immutable digital transaction logs capture every user session, IP address, and approval timestamp for tax audits.

Step-by-Step Flow

How the transaction lifecycle works.

01

Digital Account Provisioning

Complete corporate verification to connect or provision your commercial business account.

02

Generate Virtual Accounts

Instantly create dedicated virtual accounts and UPI handles for every client, order, or distributor.

03

Automated Inbound Matching

When clients pay via NEFT, RTGS, or IMPS, our switch reconciles the invoice and triggers real-time webhooks.

04

Automated Treasury Rules

Route funds into dedicated operational wallets or trigger automated vendor payouts based on predefined rules.

Applications

Target use cases & audiences.

Wholesale & B2B Distributors

Dealer & Retailer Collections

Assign unique virtual accounts to hundreds of dealers to track large inbound bank transfers automatically.

Fintech & Lending Platforms

Escrow & Pool Account Management

Manage escrow flows, disbursement pools, and collection accounts compliant with RBI digital lending rules.

High-Growth SaaS & E-Commerce

Multi-Entity Treasury

Manage cash reserves, payroll disbursements, and operational spend across multiple business subsidiaries.

Security & Compliance

Enterprise-grade financial defense.

Protected by multi-layered encryption, certified hardware modules, and strict regulatory standards.

Bank-Grade Encryption

TLS 1.3 encryption in transit and AES-256 GCM at rest for all transaction payloads.

FIPS 140-2 HSM Vault

Sensitive PIN blocks and biometric PID data are processed strictly in hardware modules.

RBI & NPCI Standards

100% compliant with national operating circulars, data localization, and tokenization rules.

T+0 Audit & Reconciliation

Deterministic idempotency keys and automated transaction ledger balancing.

Frequently Asked Questions

Everything you need to know.

Virtual Accounts allow you to generate a unique account number and IFSC for each of your customers or invoices. When the customer pays via NEFT, RTGS, or IMPS, our system immediately identifies the exact payer and automatically reconciles the payment without requiring customer screenshot proof.
Start Building Today

Ready to power your digital financial operations?

Join thousands of retail agents, digital platforms, and merchants who rely on paywiththem for fast, secure, and compliant financial infrastructure across India.

Paperless Digital Onboarding
Instant T+0 Wallet Settlements
24/7 Dedicated Support