The unified payment gateway infrastructure for Indian businesses. Accept UPI Intent, tokenized cards, and 60+ NetBanking rails with dynamic multi-bank routing switches, instant automated reconciliation, and sub-second execution.
Order: order_ref_delhi_9812
Experience clean RESTful endpoints, strict idempotency enforcement, and cryptographically signed webhooks matching our production API.
curl -X POST https://api.paywiththem.com/api/v1/merchant/payin/initiate-api \
-H "Content-Type: application/json" \
-H "x-api-key: sk_live_98124019..." \
-d '{
"referenceId": "order_ref_delhi_9812",
"amount": 4999.00,
"description": "Order #456"
}'{
"referenceId": "order_ref_delhi_9812",
"amount": 4999,
"description": "Order #456 - Electronics",
"customer": {
"name": "Rahul Verma",
"mobile": "+919876543210",
"email": "rahul.verma@example.com"
}
}Deliver seamless checkout experiences across UPI, cards, netbanking, and recurring mandates from a single integration.
Deep integration with NPCI UPI switches. Auto-detects installed UPI apps on mobile devices for seamless one-tap authorization.
Fully compliant with RBI card-on-file tokenization guidelines. Eliminates plain-text storage while providing frictionless 3DS 2.0 auth.
Server-to-server integrations with major Indian public and private sector commercial banks for high-ticket transaction stability.
From the initial API order creation to dynamic bank switch authorization and instant T+0 settlement.
Your server calls /merchant/payin/initiate-api with unique referenceId and payable amount.
Customer selects preferred payment method (UPI Intent, tokenized card, or NetBanking).
Transaction routes via the highest-velocity sponsor bank acquiring node with 3DS 2.0 auth.
Signed HMAC webhook delivers live UTR; funds sweep automatically into your commercial account.
Deliver higher authorization success rates and minimize operational overhead with built-in financial automation.
Direct mobile app auto-launch eliminates manual VPA typing errors and QR screenshot delays, increasing mobile checkout completion.
Automated switch intelligence reroutes in-flight transactions away from degraded bank switches to healthy hot-standby nodes.
Eliminate working capital drag with automated daily bank sweeps directly into your registered commercial account.
Every API call enforces deterministic referenceId mapping, guaranteeing zero accidental double-debits on network retries.
Query live transaction status anytime via /merchant/payin/status/{referenceId} to resolve pending checkouts reliably.
Issue immediate customer refunds back to source accounts via direct IMPS/UPI rails rather than waiting 5-7 business days.
Engineered to meet the highest Indian financial regulatory and cryptographic standards.
All traffic encrypted using TLS 1.3 in transit and AES-256 GCM at rest.
Hardware Security Modules process sensitive cryptographic operations securely.
Certified card-on-file token vault with zero plain-text card number storage.
HMAC-SHA256 signatures protect all outbound event notifications from tampering.
Clear answers to technical and commercial questions.
Integration is straightforward: Your backend calls POST /api/v1/merchant/payin/initiate-api with your API key, unique referenceId, and amount. The API returns a paymentUrl and upiString. You can redirect the customer or render the drop-in checkout modal.
Join thousands of retail agents, digital platforms, and merchants who rely on paywiththem for fast, secure, and compliant financial infrastructure across India.