AI-Powered Financial InfrastructureGlobal PaymentsSecure & Trusted
Products · Embedded FinanceSaaS platforms and marketplaces embed Paynancial's Payment, Payout and Billing APIs directly, so money moves inside their own product instead of on someone else's.
Platforms, marketplaces and software products increasingly want money to move inside their own experience: a marketplace paying its sellers, a SaaS product billing its customers, an app that collects without sending anyone to a separate checkout. That is embedded finance.
On Paynancial it starts with the same pieces as any integration — the Payments, Collections and Payouts APIs, API keys, idempotency keys and webhooks — embedded by technology partners in their own software. Each item below says exactly what is published today and what to confirm with our team before you build.
| If… | Start with |
|---|---|
| You want to take payments inside your product | Payments API → |
| You bill your customers on a schedule | Payment Collection → |
| You pay sellers, creators or partners | Payouts → |
| You want to build on Paynancial as a technology partner | Partners → |
| You want to test first | Sandbox → |
Products with their own page link straight to it. Items marked “Details on request” are described here only as far as the site already publishes — ask our team for the rest.
What is published today: technology partners embed Paynancial's Payment APIs directly in their own software platform or marketplace, with API keys, idempotent requests and payment webhooks. Onboarding your platform's own users as merchants, and how funds and responsibilities are arranged between you and them, are not described on this site. Ask our team.
See the Payments API Ask about Embedded PaymentsWhat is published today: technology partners embed the Payout API, which sends funds to bank accounts and UPI IDs with saved beneficiaries, idempotency keys and payout webhooks — so a platform can pay from its own systems. An embedded payouts offering beyond the Payouts product is not described on this site. Ask our team.
Explore Payouts Ask about Embedded PayoutsWhat is published today: technology partners embed Billing APIs, and the Collections API collects recurring or scheduled payments from a customer, with retries for failed attempts through Smart Collections. Billing on behalf of your platform's own users is not described on this site. Ask our team.
Explore Payment Collection Ask about Embedded BillingWallet infrastructure — holding and showing a balance for each of a platform's users — is not described on this site, so no capabilities are claimed here. Ask our team about your requirements.
Ask about Wallet InfrastructureSplitting one customer payment between several recipients at the point of collection is not described as a product on this site. What is published today: after you collect, Payouts can pay sellers and partners to bank accounts and UPI IDs, singly or in bulk. Ask our team about splitting.
Explore Bulk Payouts Ask about Split PaymentsWhite-label payments — presented under your platform's brand instead of Paynancial's — are not described on this site, so no capabilities are claimed here. Ask our team about your requirements.
Ask about White-Label PaymentsOnly steps Paynancial's published products support today.
Build and test against the API with no real funds involved.
Call the Payments, Collections and Payouts APIs from your own product, with an idempotency key on every request that moves money.
Webhooks tell your product as payments, payouts, refunds and settlements change state.
Swap sandbox keys for live keys once your integration is reviewed.
Settlement records and transaction reports keep your platform's books straight.
Listed as verified in the Paynancial Trust Center.
Certifications and regulatory authorisations are not claimed here. Trust Center · Security & Compliance · AI Governance
A plain-language guide to the frameworks that apply. It is general information, not legal advice, and not a statement of Paynancial's own licences or authorisations.
The law under which the Reserve Bank of India regulates and supervises payment systems in India. Operating a payment system requires RBI authorisation under this Act.
RBI's framework for payment aggregators — businesses that collect payments on behalf of merchants — covering authorisation, merchant due diligence, how merchant funds are held and settled, and grievance handling. Payment gateways are treated as technology providers.
Customer due diligence obligations for RBI-regulated entities. Payment aggregators apply due diligence to the merchants they onboard.
Merchants and payment aggregators may not store customers' actual card numbers. A card saved for repeat payments is replaced by a token, created with the customer's consent.
India's law on processing digital personal data — including the personal data in payment records — based on consent, purpose limitation and security safeguards.
Regulators update these rules by circular, so always check the current text at the source: Reserve Bank of India · NPCI. For Paynancial's own security and compliance posture, see the Trust Center.
AI capabilities that work on the same data. All are available on request.
Putting financial services — payments, payouts, billing — directly inside a platform's own product, so its users never have to leave it to pay or get paid.
As technology partners: SaaS platforms and marketplaces embed Paynancial's Payment, Payout and Billing APIs directly in their own software, using API keys, idempotent requests and real-time webhooks.
Yes, through Payouts: send funds to bank accounts and UPI IDs from your own systems, singly or in bulk, with each payout tracked and reported by webhook.
These are not yet described on this site, so no capabilities are claimed. Ask our team about your platform's requirements before you plan around them.
Yes. The Paynancial Sandbox lets you build and test against the API with no real funds involved.
Tell us what you need to build, and we will show you where to start.
Discuss your payment and financial infrastructure requirements.