Seamless, Secure, and Real-Time Payment Settlements for Businesses
AOPAY's Payment Settlement API empowers marketplaces, fintech companies, payment gateways, SaaS platforms, and enterprises to send single payouts, process bulk payments, and generate payout links with enterprise-grade security and real-time processing capabilities.
Whether you're onboarding a new corporate client, conducting ongoing due diligence, or meeting regulatory requirements, our KYB API automates the entire verification workflow.
Why Choose AOPAY Payment Settlement API?
Our API handles over 230 million transactions per day with a capacity of 2,700 TPS (transactions per second), ensuring your business scales effortlessly. With PCI DSS compliance, bank-grade encryption, and seamless integration, you can launch your payout solution in days, not months.
Whether you're onboarding a new corporate client, conducting ongoing due diligence, or meeting regulatory requirements, our KYB API automates the entire verification workflow.
Comprehensive Payout API Features for Modern Businesses
Single & Bulk Payout Processing
- Instant single payouts via IMPS/UPI
- Bulk payment processing with Excel upload
- Automated retry logic for failed transactions
- Real-time status tracking and notifications
Multi-Channel Settlement Options
- Domestic bank account transfers
- UPI instant settlements
- Digital wallet disbursements
- Card settlements and mobile money
Payment Link Generation
- Branded payment link pages
- Multi-channel link distribution
- Flexible redemption options
- Link expiry and security controls
Advanced Security & Compliance
- PCI DSS compliant infrastructure
- End-to-end encryption
- Fraud detection and prevention
- Complete transaction audit logs
Automated Reconciliation & Reporting
- Automated settlement reconciliation
- Customizable financial reports
- Transaction-level data export
- ERP system integration support
Flexible Fee & Limit Management
- Dynamic fee configuration
- Segment-based pricing models
- Transaction and turnover limits
- Individual merchant tariffs
Payment Settlement API Use Cases Across Industries
From marketplaces to fintech platforms, our payout API serves diverse business models with automated disbursement solutions tailored to your industry needs.
Vendor & Supplier Payments
Automate accounts payable and streamline vendor settlements for e-commerce marketplaces, B2B platforms, and supply chain businesses.
Payroll Disbursements
Process employee salaries, contractor payments, and commission payouts with instant or scheduled bulk transfers directly to bank accounts.
Customer Refunds
Issue instant refunds to customers via their preferred payment method—bank account, UPI, wallet, or original payment source.
Marketplace Seller Payments
Automatically settle payments to sellers and merchants on your platform with configurable payout schedules and fee deductions.
Gig Economy Disbursements
Enable instant payouts for delivery partners, ride-share drivers, freelancers, and on-demand service providers after job completion.
Employee Reimbursements
Simplify expense reimbursements with automated approval workflows and instant fund transfers to employee accounts.
Insurance Claim Settlements
Expedite insurance payouts and claim settlements with secure, verified transfers to policyholders and beneficiaries.
Affiliate & Partner Commissions
Automate commission payouts to affiliates, influencers, and business partners based on performance metrics and payout cycles.
Build Your Payment Processing Business with AOPAY
Beyond settlement APIs, AOPAY provides a complete payment processing platform that enables you to launch your own Payment Service Provider (PSP) business. Offer merchant payment processing for both online and in-store transactions with our white-label solution.
Merchant Payment Acceptance
Enable businesses to accept secure online payments via credit and debit cards, bank transfers, and digital wallets. Support POS terminals and QR code payments for brick-and-mortar stores.
Customizable Payment Gateway
Launch your branded payment gateway with hosted payment pages, host-to-host integration, and customizable checkout experiences for seamless transactions.
INR-Currency Processing
Support INR currency with real-time, letting merchants accept payments and process transactions effortlessly.
Comprehensive Merchant Portal
Provide merchants with a powerful dashboard for transaction monitoring, balance management, store administration, and automated settlement withdrawals.
Enterprise-Grade Payment Infrastructure
Pre-Integrated Payment Ecosystem
- Payment Acceptance: Credit/debit cards, digital wallets, bank transfers
- Card Issuance: Virtual and physical card programs
- KYC/KYB Compliance: Automated identity verification with trusted vendors
- AML & Fraud Prevention: Real-time transaction monitoring and risk management
- Banking Partners: Direct connections to major banking networks
Flexible Deployment Models
- Hybrid-Cloud Model: Fast, affordable launch with managed infrastructure
- Source Code License: Full control and independence with complete code access
- Customization Support: Tailor the solution to meet specific regulatory and business needs
Developer-Friendly API Integration
AOPAY Payment Settlement API is designed with developers in mind, offering comprehensive documentation, SDKs, and sandbox environments for seamless integration into your existing systems.
RESTful API Architecture
Modern REST API with JSON responses, OAuth 2.0 authentication, and webhook notifications for real-time event updates.
Comprehensive Documentation
Detailed API reference, integration guides, code samples, and best practices to accelerate your development process.
Sandbox Environment
Test your integration thoroughly with our sandbox environment before going live. No risk, no real money involved.
Multiple SDKs & Libraries
Pre-built SDKs for popular programming languages including Node.js, Python, PHP, Java, and Ruby for faster implementation
Expert Development Support
Get access to our experienced development team for technical consultation, integration assistance, and ongoing support. We're here to ensure your payment settlement API integration is smooth and successful.
Why Businesses Choose AOPAY Settlement API
Accelerated Time-to-Market
Launch your payout solution in days instead of months with our pre-developed backend, ready-made dashboard, and mobile applications. Focus on your core business while we handle the payment infrastructure.
Cost-Effective Solution
Eliminate the need to build payment infrastructure from scratch. Save on development costs, reduce maintenance overhead, and avoid lengthy certification processes with our ready-to-deploy platform.
Scalable & Reliable
Handle growing transaction volumes effortlessly with our high-performance infrastructure. From startups to enterprises, our API scales with your business needs without compromising on speed or security.
Regulatory Compliance
Stay compliant with PCI DSS, GDPR, PSD2, and local regulations. Our solution includes built-in compliance features and regular security audits to protect your business and customers.
Revenue Optimization
Maximize profitability with flexible fee structures, personalized pricing models, and transparent transaction cost management. Create segment-based tariffs to attract and retain different customer types.
24/7 Technical Support
Access round-the-clock technical support, dedicated account management, and continuous platform updates. Our team ensures your payment operations run smoothly at all times.
Complete Payment Platform Features
Individual & Corporate Client Management
- Streamlined onboarding with two-factor authentication (2FA)
- Customer profiles with configurable settings
- Ongoing KYC/KYB verification with trusted vendors
- Linked cards and IBAN account numbers
- Send, request, or exchange funds functionality
- Payment links and QR code generation
- Cash point operations for physical locations
Merchant-Specific Features
- Offline payment acceptance via POS and QR codes
- Online payment gateway with customizable checkout
- Dispute resolution for refunds and chargebacks
- Comprehensive transaction and settlement reports
- Automated invoice and receipt generation
- Multi-store management capabilities
System Administration & Management
- Currency and digital asset creation engine
- Flexible fee and transaction limit configuration
- Built-in CRM and customer communication tools
- Detailed transaction monitoring and analytics
- Advanced reporting and business intelligence
- AML and anti-fraud officer workspace
- Complete user action history and audit trails
- Reconciliation and settlement management section
- Granular roles and permissions system