Fintech · Banking · Travel Infrastructure
AOPAY Fintech Solutions for Banking, Lending, Payments & Financial Services
AOPAY brings banking, lending, payments, and financial services together on one integrated platform — replacing multiple technology vendors with a unified solution for digital lending, NBFC operations, verification, and financial automation.
- RBI-aligned framework
- PCI-DSS certified infra
- 256-bit encryption
- RBI-Aligned Framework
- PCI-DSS Certified Infra
- 256-bit Encryption
- 24/7 Engineering Support
Six rails. One integration.
Most businesses stitch together five or six different vendors to handle payments, KYC, lending, and compliance — then spend months maintaining every connection. AOPAY was built differently: one platform, one contract, and one integration surface for the financial and travel infrastructure Indian businesses actually run on.
Because AOPAY is built on modern, cloud-native architecture rather than a legacy core retrofitted with APIs, every product ships from the same foundation — the same authentication, the same compliance layer, the same support team.
Core platform pillars
- Payments
- Banking
- Verification
- Lending Software
- Advisory
- Travel
Every rail your business needs, under one roof.
Six product pillars, each callable through the same AOPAY account and API layer.
Payments & Collections
Accept and disburse money across every rail Indian customers actually use, from a single integration.
- Payment Gateway
- Payout API
- UPI & QR Collection
- E-NACH
Banking Infrastructure
Embed banking primitives directly into your product without becoming a bank yourself.
- Virtual Accounts
- Escrow Accounts
- Connected Banking
- CIBIL API
- FD & RD APIs
Verification & KYC
Onboard customers in seconds with identity checks built for RBI's KYC requirements.
- Aadhaar Verification
- PAN Verification
- GST Verification
- Bank A/C Verification
Lending & Core Banking Software
Run origination through collections on core banking and NBFC software, with AI-assisted underwriting built in.
- Core Banking Software
- AI-Powered NBFC Suite
- Loan Management
- Micro Finance
- P2P Lending
- Treasury Mgmt
NBFC & Regulatory Advisory
Navigate licensing and compliance with a team that liaises with the RBI on your behalf.
- NBFC Registration
- Takeover Advisory
- Collaboration Structuring
- AA License Consulting
Travel Commerce
Sell flights, trains, buses, and hotels under your own brand, with white-label options for resellers.
- Flight Booking
- Train Booking
- Bus Booking
- Hotel Booking
- B2B Reseller Access
From sign-up to your first live transaction.
01 — Create your account
Register your business and complete verification through our onboarding flow.
02 — Generate API keys
Get sandbox credentials instantly and explore every product from your dashboard.
03 — Integrate
Connect with our REST APIs, docs, and SDKs — in days, not months.
04 — Go live
Move to production with dedicated engineering support behind you.
Built for the institutions moving India's economy forward.
Fintech & Payment Startups
Launch compliant payment products without building infrastructure from scratch.
NBFCs & Cooperative Societies
Modernize lending and member operations on core banking software built for the segment.
Microfinance Institutions
Reach underserved borrowers with lightweight onboarding and collections tools.
Travel & Hospitality
Sell flights, hotels, buses, and trains through a single booking API.
Retail & E-commerce
Collect payments and verify customers at checkout without added friction.
Enterprises & Marketplaces
Embed payouts, escrow, and verification into your existing platform.
Security isn't a feature. It's the foundation.
Every product on AOPAY is built and audited against the same standard, from your first sandbox call to your millionth production transaction.
RBI-Aligned Compliance
Every product is built around the regulatory framework the RBI sets for payments, banking, and NBFC operations.
PCI-DSS Certified Infra
Card and payment data is handled on infrastructure certified to PCI-DSS standards, end to end.
Encryption & Tokenization
Sensitive data is encrypted in transit and at rest, with tokenization replacing raw account and card details.
Fraud Detection
Transaction patterns are monitored continuously to flag anomalies before they become losses.
Audits & Pen Testing
Independent security audits and penetration tests run on a recurring schedule, not just once at launch.
What you get that a five-vendor stack can't offer.
Six rails, one integration
Stop maintaining six vendor relationships. One API layer, one dashboard, one support line.
Modern infrastructure, not a retrofit
Built cloud-native from day one — no legacy core banking system wearing an API costume.
Regulatory expertise built in
Our advisory team handles NBFC licensing and RBI liaison, so your team doesn't have to become compliance experts.
Direct engineering support
Talk to the engineers who built the platform, not a ticket queue.
From the AOPAY team.
Understanding RBI's Account Aggregator framework
What the AA ecosystem means for lenders building consent-based credit products.
Read moreNBFC registration vs. lending-as-a-service
Choosing the right regulatory path before your team writes a line of code.
Read moreWhat a resilient payment stack looks like in 2026
Why redundancy and rail diversity matter more than any single integration.
Read moreReady to build on AOPAY?
Talk to our team about payments, banking infrastructure, lending software, or NBFC advisory — and get sandbox API access the same week.
FAQ