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Build payments into your product with the Paynancial API.

A REST API, webhooks and SDKs for PHP, JavaScript and Python — built to be called as reliably by an AI agent as by a person, from a single sandbox key to an enterprise integration.

Request Sandbox Access Read the API Reference

REST over HTTPS
Sandbox and live keys
Idempotent writes
Real-time webhooks

Create a payment

$payment = $client->payments->create([
    'amount'   => 50000, // in paise
    'currency' => 'INR',
    'receipt'  => 'order_rcpt_101',
]);

echo $payment->id;

const payment = await client.payments.create({
  amount: 50000,
  currency: 'INR',
  receipt: 'order_rcpt_101',
});

console.log(payment.id);

curl https://api.paynancial.com/v1/payments \
  -u YOUR_API_KEY: \
  -d amount=50000 \
  -d currency=INR \
  -d receipt=order_rcpt_101

Developer resources

Everything you need, one page each.

Each resource has its own page. Start with the Integration Guide if this is your first integration, or go straight to the API Reference.

Integration Guide

The path from a sandbox key to a live integration, step by step.

Explore 02

API Reference

Base URL, resources, request conventions, idempotency and errors.

Explore 03

Payment APIs

Payments, payment links, collections, refunds and reports — the money-in APIs.

Explore 04

Payout APIs

Send money to bank accounts and UPI IDs, exactly once, with idempotency keys.

Explore 05

Authentication

API keys, sandbox and live environments, and keeping keys safe.

Explore 06

Webhooks

Real-time events for payments, payouts, refunds and settlements.

Explore 07

SDKs

Client libraries for PHP, JavaScript and Python.

Explore 08

Sandbox

Test your integration end to end with no real funds involved.

Explore

Integration pathways

From first key to first live payment.

Most integrations follow the same four stages. Each links to the page that covers it in detail.

01
Get a sandbox key
Request sandbox access and authenticate with your sandbox API key. See Authentication.
02
Make your first call
Create a payment, payment link, payout or collection. See the API Reference.
03
Listen for events
Receive webhooks for payments, payouts, refunds and settlements instead of polling. See Webhooks.
04
Test, then go live
Test failures, retries and duplicates in the Sandbox, then switch to a live key. See the Integration Guide.

API overview

One REST API for money in and money out.

Every request goes to https://api.paynancial.com/v1 over HTTPS and is authenticated with an API key. The same API covers the full payment lifecycle:

Payments — Create a payment to accept money from a customer.
Refunds — Refund all or part of an existing payment.
Payouts — Send money to a beneficiary's bank account or UPI ID.
Payment Links — Create a shareable link a customer can pay without a checkout on your site.
Collections — Collect recurring or scheduled payments from a customer.
Transaction reports — Generate a transaction report for a date range, for your finance team or accounting system.

Explore the API Reference →

Set up a client

$client = new Paynancial\Client('YOUR_API_KEY');

const client = new Paynancial({ key: 'YOUR_API_KEY' });

client = paynancial.Client('YOUR_API_KEY')

curl https://api.paynancial.com/v1/payments \
  -u YOUR_API_KEY:

Agent-ready API

Designed for the caller to be an agent, not just a person.

A growing share of calls to a payments API come from software acting on its own — retrying a failed charge, reconciling a ledger, releasing a payout inside limits a business set. Three properties make that safe.

Safe to retry: Every write endpoint accepts an idempotency key, so a retried request returns the original result instead of creating a duplicate payment or payout.
Machine-readable errors: Errors carry a stable code an agent can branch on — insufficient_funds, invalid_method, rate_limited — not only a human-readable message.
Event-driven: Webhooks push payment, payout, refund and settlement events as they happen, so a workflow reacts to state changes instead of polling.
Governed: Permissions, policy limits and human approval thresholds are set by the business. Read how on the AI Governance page.

Read about AI governance →

Technical support

Talk to someone who can read your logs.

Developer support is handled through the contact page. Send the request you made and the response you got — never your API key.

How do I start integrating with Paynancial?

Request sandbox access, build and test your integration with a sandbox API key, then switch to a live key once it behaves the way you expect. The Integration Guide walks through each step.

Which languages have an official SDK?

PHP, JavaScript and Python. Any other language can call the REST API directly over HTTPS.

Can an AI agent call the Paynancial API?

Yes. The API an agent calls is the same one a developer calls, and the features that make it safe for agents — idempotency keys, structured error codes and webhooks — are the same ones that make any integration reliable.

Where do I get help with an integration?

Contact developer support through the contact page and choose Support. Include the request you sent and the response you received, without your API key.

Ready to start integrating?

Request a sandbox key and build your integration with no real funds involved.

Request Sandbox Access Contact Developer Support