Payment API | Banking API

For developers, by developers

With just a few lines of code, you can implement IppoStack
in a jiffy.

UPI - Unified Payments Interface

Create UPI IDs and QR codes to any merchant for accepting
UPI payments.
Banking

Create unique virtual private accounts for your customers and instantly receive money through UPI, NEFT, IMPS, RTGS.
Payments

A single API to initiate fund transfers via IMPS, NEFT, RTGS and UPI to any bank account number or UPI ID.

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{
    "success": true,
    "message": "UPI Transfer",
    "data": {
        "transfer" : {
            "status": "received",
            "trans_id": trans_VRm7frCeE,
            "trans_ref": "test24",
            "vpa": "testvpa@bank",
            "pay_mode": "UPI",
            "amount": "10",
            "trans_type": "CREDIT",
            "init_source": "paytm",
            "remarks": false
            "updatedAt": 2021-05-11T14:59:07.594Z"
            "createdAt": 2021-05-11T14:59:07.594Z
        }
    }
}

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{
    "success": true,
    "message": "Beneficiary Detail",
    "data": {
        "beneficiary":
            {
            "account": {
                        "number": "501000000012345678",
                        "ifsc": "HDFC0000001"
                }
                "name": {
                    "first": "",
                    "last": "",
                    "full": "Jaikumar R"
                }
                "status": "active",
                "merchant_id": "XXXXXX",
                "beneficiary_id": "bene_XXXX",
                "createdAt": "2021-05-11T14:23:04.668Z"
            }
    }
}

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{
    "success": true,
    "message": "Payout Accepted",
    "data": {
        "transfer": {
            "status": "accepted",
            "merchant_id": "TaodSgGa",
            "trans_id": "trans_VRm7frCeE",
            "trans_ref": "test24",
            "beneficiary": {
                "account": {
                    "number": "501000000001",
                    "ifsc": "HDFC0000001"
                },
                "beneficiary_id": "bene_0sWxgFdY@",
                "beneficiary_ref": "jaikumarr"
            },
            "pay_mode": IMPS,
            "amount": 10,
            "total_deduction": 15,
            "product_type": "payout",
            "trans_type": "DEBIT
            "init_source": "api",
            "remarks": "Testing",
            "updatedAt": "2021-05-11T14:59:07.594Z",
            "createdAt": "2021-05-11T14:59:07.594Z"
        }
    }
}

Build the future
of financial services

Bank Account Verification

Checks to verify the authenticity and
credibility of bank accounts.

UPI ID Verification

Checks to verify the authenticity and
credibility of UPI Id's.

Fund Transfers

Transfer money to single or multiple accounts
through banking routes or UPI

User Management

Authorize and regulate your payment
ecosystem with your trustees

Virtual Account Creation

Bulk Transfers

One click to process payments to
all your pre-structured payees.

Unlearn Banking and Integrate IppoStack's API !

Lendings

Loans applied for, are disbursed 2x faster through tech-powered credit decisions. A conventional bank lending process would easily take no less than 3 to 4 months for a "cash in hand". There are no realtime collateral agreements, it’s an easy paperless process which runs on high speed and low risk.

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Collections

All borrowers and creditors use IppoPay’s virtual account API to make recurring payments against their loan amount and other payables. A merchant has a super-efficient visibility of all his inward payments which helps him track and manage his collections from a multi-dimensional viewpoint.

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Use Cases

Marketplace Finance Solutions

Trading online has skyrocketed and digital management of marketplace finance is an unquenching thirst. IppoPay’s API stacks are perfectly designed to solve all payables, receivables and accounting needs.

Seller Payouts

As sellers hurl in invoices, our Payouts API runs instant KYC credibility checks and balances to approve the funds and process the settlements. Also track all your cash out-flows, incoming updates and acknowledgements in a single dashboard.

Process Refunds

As tickets for refunds flow in, our Payouts API checks their genuinity, does a series of requests and responses in accordance to the norms and policies and gives a GO for an instant refund settlement on your customer's account.

Pay Your Affiliates

Digitize all your affiliate commissions as you pay your bloggers, social media influencers and other growth providers online. Give them their perks via IppoPay’s neo-banking platform. Payout links allow you to settle payments without the need of account details.