Maximize Revenue with Intelligent Payment Solutions
Accept digital payments from customers across India in minutes. AOPAY platform supports UPI payments, QR codes, AEPS, IMPS, NEFT, RTGS, and all major payment methods. Designed to increase conversion at every touchpoint—from optimized checkout flows to frictionless one-click payments and RBI-compliant fraud prevention.
Payment Solutions for Every Fintech Need
Payment Gateway
Enable seamless transactions across multiple channels with PCI-DSS compliant infrastructure. Support credit cards, debit cards, net banking, and digital wallets.
UPI & QR Payment Collection
Integrate India's most popular payment method. Generate dynamic QR codes and accept instant UPI payments with real-time settlement.
AEPS & Money Transfer
Enable Aadhaar-enabled banking services and domestic money transfers. Perfect for financial inclusion initiatives and rural banking.
Virtual Accounts
Create unique virtual accounts for each customer. Automate payment reconciliation and streamline B2B collections.
Automated Fraud Prevention with Machine Learning
Fraud detection is built into every AOPAY account. Our AI-powered system analyzes transaction patterns in real-time, trained on millions of Indian payment data points. On average, businesses reduce fraud by 32% while maintaining seamless checkout experiences.
- Device fingerprinting and IP geolocation
- Custom rule engine with allowlists and blocklists
- Dynamic 3D Secure authentication
- Real-time risk scoring and alerts
KYC & Verification Solution for Compliance
Meet RBI and SEBI compliance requirements effortlessly. AOPAY verification solutions provide instant identity validation for customers and businesses.
- Aadhaar Verification – eKYC and biometric authentication
- PAN Verification – Instant PAN validation with income tax database
- Bank Account Verification – Penny drop and account holder name verification
- GST Verification – Validate business credentials instantly
- CIBIL – Credit score checks for lending decisions
Banking & Financial Software Solutions
Beyond APIs, AOPAY offers complete software platforms for financial institutions:
Core Banking Software
Manage deposits, loans, and customer accounts with cloud-native CBS designed for NBFCs and small banks.
Loan Management System
Automate loan origination, disbursement, EMI collection, and portfolio management with integrated APIs.
NBFC & Microfinance Software
Purpose-built for RBI-registered NBFCs, credit cooperatives, and microfinance institutions.
Scale from Startup to Enterprise
For Startups
Launch your fintech MVP quickly with pre-built Payment Gateway APIs and UPI integration. Onboard customers securely using Aadhaar and PAN verification APIs.
For Growing Businesses
Expand operations with Virtual Accounts for automated reconciliation, E-NACH API for recurring payments, and Payout APIs for vendor disbursements.
For Enterprises
Handle high transaction volumes with our scalable infrastructure. Deploy Core Banking Software, Treasury Management Systems, and Connected Banking solutions for complete financial operations.
Why Leading Fintech Companies Choose AOPAY
- 99.9% Uptime – Enterprise-grade infrastructure with redundancy
- RBI Compliant – Meet all regulatory requirements effortlessly
- 24/7 Support – Dedicated technical support for integration and operations
- Transparent Pricing – No hidden charges or setup fees