Built for speed. UPI payins confirm in seconds. Payouts are sent the moment they're approved. Callbacks, webhooks, settlement and reconciliation run automatically, around the clock. Your team only steps in when something needs a human decision.
Live payments are enabled only after KYC review.
From the moment a customer pays to the money settling in the merchant's account, no one has to push a button.
Customer pays by UPI QR or intent.
SecondsPartner confirms. Signature verified.
InstantDouble-entry posting, balanced every time.
AutomaticMerchant notified, retried until delivered.
InstantSettled on schedule and reconciled.
T+NHumans step in only where they should: KYC review, large payout approvals and exceptions.
One integration covers the full lifecycle: from the customer scanning a QR code to the money landing in your bank account and every paisa matching the bank statement.
Dynamic QR and UPI intent, mobile-first, with live status. No payment pages to build.
Single and bulk transfers over UPI, IMPS and NEFT, with maker-checker approval above your threshold.
Full and partial refunds from the API or the dashboard, tracked against the original payment.
HMAC-signed events, retried with backoff, logged and replayable from your dashboard.
T+N settlement to your bank account or to your payout balance, on a schedule you can see.
Bank statement vs ledger, line by line, with an exceptions queue for anything that doesn't match.
Build everything against the built-in bank simulator, then switch on live mode once your business is verified.
Sign up and get test API keys instantly. The simulator behaves like a real bank: success, failure, delays and reversals.
Create a payment from your server, send the customer to the hosted checkout, and listen for the signed webhook.
Submit your business details for review. Once approved and our banking partner is connected, live mode unlocks.
# Create a UPI payment and get a checkout link curl -u key_test_xxx:sk_test_xxx \ -X POST https://paygit.in/v1/payments \ -H 'Content-Type: application/json' \ -H 'Idempotency-Key: order-1001-attempt-1' \ -d '{ "order_id": "ORD-1001", "amount": 49900, "description": "Blue cotton shirt", "redirect_url": "https://yourstore.in/done" }'
Paygit is designed so that a lost callback, a timeout or a retry can never lose or duplicate money.
Append-only, enforced in the database. Unbalanced entries and overdrafts are rejected.
Timed-out payouts are re-queried with the bank, not re-sent. Expiring payments are checked first.
Per-transaction and daily limits, beneficiary velocity checks and a blocklist.
Every sensitive action is logged. Manual balance adjustments need two admins.
Founded by Vishal Iyer, with experience in e-commerce and payment systems. Based in Bengaluru, Karnataka.
Not yet. Paygit is currently in test mode: you can build and test your full integration against the bank simulator. Live payments will be enabled once our licensed banking partner is connected and your KYC is approved.
Paygit is a technology platform, not a bank. In live mode, funds will be held and moved by a licensed banking partner; Paygit instructs the transfers and keeps the books.
Registered Indian businesses that pass KYC review. Prohibited business categories are refused at onboarding.
Every status change is sent to your server as a signed webhook. Verify the signature, then fulfil the order. You can also fetch the payment from the API at any time.
Yes. Full and partial refunds, and single or bulk payouts over UPI, IMPS and NEFT, from the API or the dashboard.
Free test account, instant API keys, a full bank simulator.