Take control of your payment infrastructure.

A secure operating layer for pay-ins, payouts, settlements, merchant workflows, controls, and audit evidence—built for finance, risk, operations, and engineering.

Request a demo Explore solutions

LiveEvent stream

₹8.42LIllustrative volume

Payment activity Live

Settlement completedT+1 cycle

Settled

Payout batch processed42 beneficiaries

Processed

Pay-in collectionUPI · MID 100284

Succeeded

Reconciliation run18,204 entries matched

Complete

Illustrative platform data

Pay-insPayoutsSettlementsWalletsSigned webhooksAudit trails

Solutions

Payment operations built around control, clarity, and evidence.

One technology layer for payment intake, payout workflows, ledgers, settlements, merchant operations, and exception handling—without separating the financial event from its operating history.

See the operating platform

Pay-in infrastructure

Create and monitor controlled pay-in flows with hosted UPI checkout, adapter eligibility, amount limits, and complete transaction timelines.

Payout & disbursement APIs

Move payout requests through beneficiary checks, wallet reservation, approvals, delivery tracking, and deterministic outcomes.

Merchant operations

Give teams one workspace for balances, bank accounts, API credentials, reports, webhooks, access, and live operational status.

Ledger & reconciliation

Keep every INR movement in an append-only double-entry ledger with wallet statements, source references, and balanced journals.

Settlement management

Configure cycles, reserve treatment, destinations, review queues, and settlement evidence without losing the originating payment context.

Controls & review

Apply roles, limits, idempotency, row-level locking, approval gates, audit reasons, and exception handling before money moves.

Platform

Save time. Stay updated. Manage every operation in one view.

A shared operating console for transactions, routes, reports, settlements, cases, alerts, and the evidence behind each decision.

Payment activityLive view

Pay-ins₹8.42LIllustrative volume

Payout holds₹1.18LReserved safely

Pay-in succeededTXN_728193

+₹25,000

Payout processingPYO_481207

−₹12,400

Settlement completedSTL_204816

₹4,28,110

Developer-first infrastructure

Integrate once. Keep every payment traceable.

Versioned REST APIs, signed webhooks, idempotent requests, scoped access, sandbox workflows, and transaction-level process history.

Read API documentation

Scoped API keys Signed delivery Idempotent writes

payin-request.json

POST /api/v1/payins
Authorization: Bearer <api-key>
{
  "merchantTransactionId": "order-1842",
  "amountPaise": "2500000",
  "name": "Aarav Sharma",
  "email": "buyer@example.com",
  "phone": "+919876543210"
}

201 Created
{
  "data": {
    "merchantTransactionId": "order-1842",
    "status": "created",
    "currency": "INR"
  }
}

Security & integrity

Built with auditability and financial controls at the core.

Practical controls for payment operations: identity boundaries, protected data, deterministic ledger behavior, resilient processing, and durable evidence.

Control registerCurrent implementation

SC-01

Scoped API access

Hashed API keys, role permissions, IP allowlisting, explicit browser origins, and rate limits.

Implemented

SC-02

Protected sensitive data

Encrypted account details and webhook secrets, one-time credential reveal, and redacted logs.

Implemented

SC-03

Identity controls

Argon2id passwords, hashed opaque sessions, HttpOnly cookies, lockouts, and configurable merchant OTP.

Implemented

SC-04

Financial integrity

Integer paise, balanced journal enforcement, idempotent postings, wallet reservations, and transaction locks.

Enforced

SC-05

Operational evidence

Append-only audit records, payment process logs, lifecycle events, actor context, reasons, and timestamps.

Traceable

SC-06

Durable processing

Database-backed jobs, bounded retries, claim fencing, transactional events, and real-time fallback behavior.

Recoverable

Start a conversation

Build clearer payment operations with Nikspay.

Tell us about your merchant portal, pay-in, payout, settlement, wallet, reporting, or control requirements.

Quepay Solutions Private LimitedPhone: +91 85569 71583CIN: U66190DL2023PTC410749Second Floor, Plot No-82, Block-D, Nangal Dewat, Vasant Kunj, New Delhi, South Delhi, Delhi, 110070GSTIN: 07AAACQ8846M1ZT

Take control of your payment infrastructure.

Payment operations built around control, clarity, and evidence.

Pay-in infrastructure

Payout & disbursement APIs

Merchant operations

Ledger & reconciliation

Settlement management

Controls & review

Save time. Stay updated. Manage every operation in one view.

Integrate once. Keep every payment traceable.

Built with auditability and financial controls at the core.

Build clearer payment operations with Nikspay.

Request a conversation