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Embedded Finance · Embedded Payouts

Pay your platform's sellers, creators and partners — from your own product.

Technology partners embed the Payout API so a platform can pay the people on it — to bank accounts and UPI IDs, one at a time or in bulk — straight from its own systems.

Ask about availability Explore Payouts
  • Payout API
  • Bank accounts and UPI IDs
  • Single or bulk
  • Payout webhooks
Paying a seller from your platform
$payout = $client->payouts->create([
    'beneficiary_id' => 'bene_3Kd91',
    'amount'         => 250000, // in paise
    'mode'           => 'upi',
], [
    'idempotency_key' => 'payout-run-2026-08-29-0417',
]);

echo $payout->status;
curl https://api.paynancial.com/v1/payouts \
  -u YOUR_API_KEY: \
  -H "Idempotency-Key: payout-run-2026-08-29-0417" \
  -d beneficiary_id=bene_3Kd91 \
  -d amount=250000 \
  -d mode=upi
Overview

What embedded payouts mean on Paynancial.

Embedded payouts let a platform pay its users — sellers, creators, drivers, partners — from inside its own product. On Paynancial, technology partners embed the Payout API, which sends funds to bank accounts and UPI IDs with saved beneficiaries, idempotency keys and payout webhooks, singly or in bulk. An embedded payouts offering beyond the Payouts product is not described on this site.

Marketplaces pay sellers, creator platforms pay creators, gig platforms pay workers. When those payouts happen inside the platform — triggered by an order, a milestone or a pay cycle — instead of from a separate bank portal, that is embedded payouts.

On Paynancial it runs on Payouts. Your platform saves each recipient as a beneficiary, calls the Payout API when money is due, and follows every payout by webhook — with an idempotency key so a retry never pays anyone twice. Paying many recipients at once uses Bulk Payouts.

Availability: Embedded Payouts is not described as a separate Paynancial product. This page covers the published Payouts capability, embedded through the Payout API.
Confirm with our team before you plan:
  • Paying on behalf of your platform's users
  • Where the funds you pay out are held
  • Payout timing for your use case
  • Pricing for platforms
How it works

Step by step.

  1. 01
    Save the recipient

    Add each seller's or creator's bank account or UPI ID as a beneficiary.

  2. 02
    Decide what is due

    Your platform works out what each recipient is owed.

  3. 03
    Call the Payout API

    Create the payout with an idempotency key, or submit a batch.

  4. 04
    Follow the webhook

    Update the recipient's balance in your product as each payout changes state.

  5. 05
    Report

    Completed payouts appear in your payout report.

Published today

What you can build on now.

Payouts capabilities, embedded through the API.

Payout API
Create payouts from your own systems.
Bank and UPI
Pay to a bank account or straight to a UPI ID.
Saved beneficiaries
Save a recipient once and pay them again without re-entering details.
Bulk payouts
Pay many recipients in one action.
Failure reasons
A failed payout comes with a clear reason your product can show.
Payout webhooks
Events as each payout changes state.
Where it lives

Across the Paynancial platform.

Embedded Payouts is not a separate system — it runs through the products and tools you already use.

Embedded Payouts across Paynancial
WhereWhat you get
PayoutsThe payout capability. See Payouts.
Payouts APIPOST /payouts with an idempotency key. See the API Reference.
WebhooksPayout events. See Webhooks.
Partner PaymentsPaying business partners. See Partner Payments.
Good practice

Getting it right.

  1. 01
    One idempotency key per payout

    Build it from your own payout record ID, so a retry never pays twice.

  2. 02
    Show status to recipients

    Use the payout webhook to show sellers and creators exactly where their money is.

  3. 03
    Verify before first payout

    Check a new beneficiary's details before sending a large first payment.

FAQ

Embedded Payouts questions.

What are embedded payouts?

Payouts a platform makes to the people on it — sellers, creators, drivers or partners — from inside its own product, triggered by its own systems.

How does my platform pay its users with Paynancial?

Through the Payout API: save each recipient's bank account or UPI ID as a beneficiary, create a payout with an idempotency key when money is due, and follow it by webhook. Bulk payouts pay many recipients at once.

Can I pay sellers to a UPI ID?

Yes. Payouts supports UPI IDs as well as bank accounts.

Does Paynancial deduct TDS on payouts?

No. Paynancial does not calculate or deduct tax. Agree the amounts with your CA before you pay.

Related products
PayoutsSend money to bank accounts and UPI IDs.Explore Bulk PayoutsSubmit a batch of transfers to bank accounts and UPI IDs in one action, from the dashboard or in a single API request, and follow each payout in the batch from initiated to completed.Explore Split PaymentsMarketplaces take one payment and owe part of it to a seller, a partner or a service provider. Here is how that works in India, and how to do it with what Paynancial publishes today.Explore 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.Explore

Ask about embedded payouts.

This capability is not confirmed as a Paynancial product. Tell us what you need and our team will tell you what is available.

Ask about availability Explore all products