Accept every way your customers want to pay.
One integration for cards, UPI, netbanking and wallets — with clear, reconciled settlement reporting behind every transaction.
For businesses taking payments on a website, app, or custom checkout.
What's included
Multiple payment methods
Cards, UPI, netbanking and wallets through a single API and checkout.
Hosted or custom checkout
Use our hosted checkout page or build your own UI on top of the API.
Settlement reporting
Every transaction is tied to a settlement record you can reconcile against.
Refunds built in
Issue full or partial refunds from the dashboard or API.
Retry & failure handling
Clear status codes so failed payments can be retried or resolved quickly.
Sandbox testing
Test your entire integration before going live, with no risk to real funds.
From setup to settlement
Call it directly from your own code
Every product on this page is also a documented API endpoint — build it into your own systems when the dashboard isn't enough.
Explore API Documentation$client = new Paynancial\Client('YOUR_API_KEY');
$payment = $client->payments->create([
'amount' => 50000, // in paise
'currency' => 'INR',
'receipt' => 'order_rcpt_101',
]);
echo $payment->id;Common questions
Which payment methods are supported?
Cards, UPI, netbanking and wallets through a single integration — see the API Reference for the full method list.
Can I test before going live?
Yes — sandbox API keys let you run a complete integration test with no real funds involved.