The complete payment stack, under your brand.
Your business
Your brand & systems
PayPatch
One connected platform
Payins
Collect payments through UPI, cards, net banking and wallets with a fully customisable checkout that carries your logo, domain and colours.
Explore Payins- White-label hosted checkout (non-seamless)
- Seamless / S2S custom payment flow
- UPI Intent, Collect & dynamic QR
- Payment links and invoices
- Multi-bank routing
- Real-time transaction tracking
- Webhooks & REST APIs
- Refunds and partial refunds
Payouts
Coordinate vendor payments, merchant disbursals, salaries and refunds through supported bank transfer methods, with beneficiary checks and transaction status tracking.
Explore Payouts- IMPS / NEFT / RTGS / UPI transfers
- Bulk payouts via API or CSV
- Scheduled and recurring payouts
- Automated settlement engine
- Beneficiary account verification
- Smart retry on failures
- Auto reconciliation
- Maker-checker approvals
Payment Orchestration
Bring collections, provider selection, payment status and refunds into a consistent integration layer. Coordinate payment operations across your connected gateways and banks, with capabilities confirmed for each provider and deployment scope.
Explore Payment Orchestration- Unified payment integration
- Gateway and bank connectors
- Configurable provider selection
- Consistent payment status mapping
- Status-aware fallback and retry rules
- Refund workflow coordination
- Webhook event handling
- Provider-level transaction reporting
Smart Routing
Configure how transactions are distributed across banks and merchant IDs. Define routing priorities and fallback behaviour around provider availability and your operational requirements.
Explore Smart Routing- Multi-MID routing
- Provider fallback rules
- Controlled retry workflows
- Performance-based routing rules
- Cost-based routing rules
- Provider health tracking
- Custom routing priorities
- Payin and payout routing
Settlement & Reconciliation
Automated merchant settlements, commission calculation and three-way reconciliation between gateway, bank and ledger.
Explore Settlement & Reconciliation- T+0 and T+1 settlement cycles
- Merchant-wise settlement reports
- Commission & MDR engine
- Three-way reconciliation
- Chargeback management
- GST invoice generation
- Ledger with full audit trail
- Downloadable MIS reports
Verification APIs
Connect bank account and identity checks to merchant, vendor and customer onboarding. Supported checks depend on authorised providers, consent requirements and your integration scope.
Explore Verification APIs- Bank account penny-drop & penniless
- UPI ID validation
- PAN verification
- GSTIN verification
- Aadhaar OKYC
- Name match scoring
- CIN / MSME lookup
- Video KYC (on request)
Let's build your payment infrastructure.
Discuss your payment flows, banking requirements and deployment preferences. Start with a scope that fits your business.