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PayRupya APIs इससे सिम्पल कुछ नहीं
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API Engine v2.0 • 99.99% Uptime SLA • <120ms Latency

Next-Gen Payment APIs for Financial Innovation

Empower your enterprise with seamless payment acceptance, instant payouts, dynamic UPI QR codes, AEPS, BBPS utility billings, and automated subscription mandates via developer-friendly REST APIs.

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₹500M+ Monthly Volume
99.99% Uptime SLA
< 120ms Avg Response
10K+ Active API Clients
Comprehensive Suite

API Services & Instant Bill Payments

Everything you need to accept payments, disburse funds, pay utility bills instantly, generate QR codes, and power banking workflows.

Bharat BillPay (BBPS) Portal

Select a service category to calculate & pay bills instantly

Complaint Management Transaction Status Transaction History

Mobile

DTH

Electricity

Insurance

Loan Repay

Broadband

Municipal Tax

Education

Water

Gas

Mobile Recharge

Browse Available Plans

Full Screen View →
Circle Data/Benefits Validity Price
Rajasthan 1.5 GB/Day + Unlimited Calls 28 Days ₹299
Maharashtra 1.5 GB/Day + 100 SMS/day 84 Days ₹799
Delhi NCR Truly Unlimited 5G Data 365 Days ₹3599

Payment Gateway API

Accept payments across India via UPI, Credit/Debit Cards, Net Banking, EMI, and Mobile Wallets with smart failover routing.

  • Seamless Checkout JS / SDK
  • Smart Auto-Retry Mechanism
  • T+0 / Instant Settlement

Instant Payouts & Disbursal

Automate vendor payouts, employee salaries, affiliate commissions, and customer refunds 24x7x365 via IMPS, NEFT, and UPI.

  • Sub-second Payout Execution
  • Batch Payout API Uploads
  • Account Beneficiary Validation

Dynamic UPI & QR API

Generate on-demand dynamic UPI QR codes and Intent links for order-specific payment verification with real-time webhooks.

  • Instant Webhook Confirmation
  • Zero MDR Rates on UPI
  • GooglePay, PhonePe, Paytm Support

AEPS & Micro-ATM APIs

Empower agent networks with Aadhaar Enabled Payment System (AEPS) APIs for biometric cash withdrawal, balance inquiry, & mini statements.

  • Biometric Device SDK Ready
  • High Agent Commission Structure
  • Real-time Balance Fetching

BBPS & Utility Payment API

Direct integration with Bharat BillPay System (BBPS) for electricity, water, gas, broadband, FASTag recharge, and mobile bills.

  • 100+ Utility Biller Coverage
  • Fetch Bill Amount On-The-Fly
  • Automated Receipt Generation

Subscriptions & Autopay

Manage recurring billing subscriptions with UPI Autopay and e-NACH e-mandates for SaaS, OTT, loans, and memberships.

  • Flexible Billing Schedules
  • Automated Pre-debit Notifications
  • Intelligent Smart Retries
Interactive Sandbox

Developer-First API Explorer

Test PayRupya REST API endpoints live. Choose your preferred programming language and run test requests.

METHOD: POST https://api.payrupya.com/v1/payments/create 

                    


                    
                    

                        

                            RESPONSE PAYLOAD
                            
                                 200 OK (Simulated)
                            
                        

                        
                        
                        

                            {
                                "status": "success",
                                "code": 200,
                                "message": "Payment initialized successfully",
                                "data": {
                                    "transaction_id": "PR_TXN_984729103",
                                    "amount": 1499.00,
                                    "currency": "INR",
                                    "payment_url": "https://checkout.payrupya.com/pay/PR_TXN_984729103",
                                    "hmac_signature": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855"
                                },
                                "execution_time": "84 ms"
                            }
                        

                    


                


            


        

    


    
    

        

            

                
                

                    
                        Bank-Grade Reliability
                    
                    

                        Built for High-Throughput Enterprise Demands
                    

                    

                        PayRupya’s API architecture is engineered from the ground up for microsecond response times, automated failover routing, and strict security compliance.
                    


                    

                        

                            

                                
                            

                            

                                
PCI-DSS Level 1 & RBI Compliant

                                
Full end-to-end tokenization with AES-256 encryption for card data and biometric payloads.

                            

                        


                        

                            

                                
                            

                            

                                
Instant Webhook Engine

                                
Signed HTTP callbacks with HMAC-SHA256 signatures, exponential backoff retries, and 99.999% delivery guarantee.

                            

                        


                        

                            

                                
                            

                            

                                
Dynamic AI Smart Routing

                                
Automatically reroutes transactions to high-performing banking acquirers to boost success rates by up to 14%.

                            

                        

                    

                


                
                

                    

                        SECURITY & COMPLIANCE MATRIX
                         AUDITED & VERIFIED
                    


                    

                        

                            
                            

                                
PCI-DSS v4.0

                                
Level 1 Service Provider

                            

                        


                        

                            
                            

                                
ISO 27001:2022

                                
Information Security

                            

                        


                        

                            
                            

                                
HMAC-SHA256

                                
Webhook Signatures

                            

                        


                        

                            
                            

                                
256-Bit SSL

                                
Encrypted Transport

                            

                        

                    


                    

                        API Rate Limit (Standard Tier):
                        1,000 req/sec
                    

                


            

        

    


    
    

        

            

                
                    Integration Walkthrough
                
                

                    Go Live in 3 Simple Steps
                

            


            

                
                

                    
1

                    
Get API Credentials

                    
Sign up for a PayRupya merchant account and generate your test/live API Key and API Secret from the dashboard.

                


                

                    
2

                    
Integrate REST Endpoints

                    
Use our SDKs or standard REST HTTP endpoints to initiate payments, create payouts, and set up signed webhook callbacks.

                


                

                    
3

                    
Go Live & Scale

                    
Switch your API header from Sandbox to Live mode and accept real-time payments with instant automated settlements.

                


            

        

    


    
    

        

            

                
                    Frequently Asked Questions
                
                

                    API & Service Queries
                

            


            

                
                
                

                    
                    
                


                
                

                    
                    
                


                
                

                    
                    
                


                
                

                    
                    
                


            

        

    


 
                       
    
    

        

            

                
                     Get In Touch
                
                

                    Have Questions? Send Us an Inquiry
                

                

                    Need custom enterprise volume rates, API integration assistance, or custom webhooks setup? Our solutions engineering team is here to help.
                

            


            

                
                

                    

                        

                             Direct Support Channels
                        

                        

                            Reach our technical operations team directly for integration support, API key provisioning, or merchant partnership inquiries.
                        


                        

                            
                            

                                

                                    
                                

                                

                                    Email Inquiries
                                    api-support@payrupya.com
                                

                            


                            
                            

                                

                                    
                                

                                

                                    Hotline & WhatsApp
                                    +91 98765 43210
                                

                            


                            
                            

                                

                                    
                                

                                

                                    Headquarters
                                    
PayRupya Tech Park, Financial District, Cyber City

                                

                            

                        


                        
                        

                            
                                 Avg Response SLA
                            
                            < 2 Hours