AI-Powered Financial InfrastructureGlobal PaymentsSecure & Trusted
Products · Payment GatewayOne integration for cards, UPI, netbanking and wallets — with clear, reconciled settlement reporting behind every transaction.
$payment = $client->payments->create([
'amount' => 50000, // in paise
'currency' => 'INR',
'receipt' => 'order_rcpt_101',
]);
echo $payment->id;The Paynancial Payment Gateway accepts cards, UPI, netbanking and wallets through a single integration, on a hosted checkout page or your own custom checkout, returns a real-time status for every transaction and ties each one to a settlement record you can reconcile against.
For businesses taking payments on a website, app, or custom checkout.
Customer selects a payment method at your checkout.
Paynancial routes the transaction and returns a real-time status.
A successful payment is recorded and queued for settlement.
You reconcile the transaction against your order in the dashboard or via webhook.
Illustrative examples from Paynancial's industry pages.
Create a payment to accept money from a customer. The same API powers the dashboard, your systems and any agent working for you.
| Parameter | Description |
|---|---|
amount | Amount in the smallest currency unit (paise for INR) — 50000 is ₹500.00 |
currency | Currency code, e.g. INR |
receipt | Your own reference for the order |
A plain-language guide to the frameworks that may apply. General information only. Not legal, tax, financial or regulatory advice. It is not a statement of Paynancial's own licences or authorisations.
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.
Covers card-on-file tokenisation: a card saved for repeat payments is replaced by a token, created with the customer's consent, instead of the actual card number being stored.
RBI's expectations for governance, secure application design, authentication and fraud-risk monitoring in digital payment products offered by regulated entities.
Covers the time within which failed digital transactions — for example, a customer debited without the merchant being credited — are expected to be reversed or resolved across authorised payment systems such as UPI, cards and IMPS, and compensation to the customer when that time is missed.
Covers how authorised payment system operators and participants offer customers an online, rule-based way to raise and resolve disputes and grievances about digital payments.
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.
Cards, UPI, netbanking and wallets through a single integration.
Yes — sandbox API keys let you run a complete integration test with no real funds involved.
Yes. Use the hosted checkout page, or build your own interface on top of the API.
Paynancial returns a real-time status for every transaction, and a payment webhook tells your system as soon as the payment changes state.
Tell us how your business takes and moves money, and we will help you get started.
Discuss your payment and financial infrastructure requirements.