Complete Banking API Platform for Neo Banks & Digital Banks
AOPAY provides the complete suite of payment APIs, verification services, and connected banking tools your neo bank needs to onboard customers, process transactions, and scale globally. Built for modern digital banking with fraud prevention.
Maximize Conversion with Intelligent Banking APIs
Accept deposits, process payments, and verify customers in real-time with AOPAY's comprehensive API platform designed specifically for neo banks and digital banking institutions. AOPAY infrastructure is engineered to increase conversion rates at every touchpoint – from seamless account opening and instant KYC verification to optimized payment flows and intelligent fraud prevention.
Whether you're launching a new digital bank or scaling an existing neo banking platform, AOPAY provides the banking APIs, payment processing infrastructure, and verification solutions to compete with traditional banks while delivering superior customer experiences.
Essential Banking APIs for Neo Banks
Payment Processing APIs
Enable seamless payment acceptance across multiple channels with our comprehensive payment APIs:
- Payment Gateway API: Accept credit cards, debit cards, and net banking payments with PCI DSS compliance built-in.
- UPI & QR Payment API: Integrate UPI payments and dynamic QR codes for instant money transfers.
- Payment Collection API: Streamline bulk payment collection for recurring deposits and loan EMIs.
- PayOut API: Automate disbursements, refunds, and instant payouts to customers and merchants.
- Payment Link: Generate secure payment links for card issuance fees, account upgrades, and service charges.
Account & Wallet Services
Provide core banking functionality with flexible account management solutions:
- Virtual Account API: Create unique virtual accounts for each customer to receive payments and manage funds.
- E-Wallet Integration: Enable digital wallet features for prepaid accounts and stored value services.
- Connected Banking: Aggregate customer accounts from multiple banks for comprehensive financial insights.
- ESCROW Services: Secure fund holding for marketplace transactions and third-party payment processing.
KYC & Verification APIs
Streamline customer onboarding and meet regulatory compliance requirements:
- Aadhaar Verification API: Real-time Aadhaar authentication for instant customer verification.
- PAN Verification API: Validate PAN cards and retrieve taxpayer information.
- Bank Account Verification API: Verify account ownership through penny drop or account statement analysis.
- GST Verification API: Authenticate business customers and verify GST registration details.
Lending & Deposit Products
Expand your neo bank's product offerings with lending and savings features:
- CIBIL API: Pull credit reports and scores for loan underwriting and risk assessment.
- FD & RD API: Enable fixed deposit and recurring deposit creation and management.
- E-NACH: Automate loan EMI collection and recurring payment mandates.
- AEPS API: Provide Aadhaar-enabled payment services for cash withdrawal and balance inquiry.
Optimize Your Digital Banking Experience
AOPAY's pre-built payment forms and account opening interfaces provide an optimized experience for your customers. Our solutions reduce friction during onboarding, support multiple payment methods relevant to your target market, and automatically adapt to your customer's preferred language and device.
You can also build completely customized banking experiences using our flexible API integration options while simplifying PCI compliance and regulatory requirements. Our modular architecture allows you to choose the components you need and integrate them seamlessly into your existing infrastructure.
Automatically Reduce Fraud with Machine Learning
Fraud prevention is built into every AOPAY account. AOPAY Radar scores every transaction for risk using machine learning models trained on hundreds of billions of data points from financial institutions worldwide. On average, Radar helps neo banks reduce fraud by 32%while maintaining smooth customer experiences.
Device Fingerprinting
Identify suspicious devices and detect account takeover attempts.
Proxy Detection
Flag transactions from VPNs, proxies, and anonymizing services.
Custom Rules Engine
Create fraud rules based on behavior, transaction patterns, and thresholds.
Allow & Block Lists
Manage whitelists and blacklists for cards, customers, IPs, and emails.
Dynamic 3D Secure
Trigger authentication only when risk warrants it for smooth UX.
Review Queues
Enable manual review workflows for high-risk transactions with insights.
Maximize Payment Acceptance & Reduce Failed Transactions
AOPAY dynamically optimizes payment authorization across tens of thousands of issuers globally with Adaptive Acceptance technology. When a customer's payment is declined, we automatically identify the optimal retry messaging and routing combinations to prevent lost revenue and reduce involuntary churn.
Smart Authorization Features :
Automatically route transactions to the best merchant ID for higher approval rates.
Connect directly to Visa, Mastercard, and RuPay for faster and more reliable processing.
Route payments through the most efficient acquiring banks based on past performance.
Automatically retry failed payments with optimized timing and message parameters.
Automatically update expired or replaced card details to prevent payment failures.
Neo Banking Solutions for Every Scale
Startup Neo Banks
For emerging digital banks, AOPAY's Payment Gateway API enables immediate acceptance of multiple payment methods without the complexity of managing individual processor relationships. Our KYC APIs allow you to onboard customers securely within minutes, ensuring regulatory compliance from day one while preventing fraudulent account openings.
Key Benefits: Rapid time-to-market, minimal infrastructure investment, built-in compliance, and affordable pricing for early-stage growth.
Mid-Scale Digital Banks
Growing neo banks benefit from AOPAY's Virtual Account API and Connected Banking features that integrate seamlessly with your core banking system, ensuring smooth cash flow management and real-time reconciliation. Our KYB APIs verify business customers and partners, reducing risk while expanding your commercial banking services.
Key Benefits: Automated reconciliation, multi-product expansion, enhanced fraud prevention, and operational efficiency at scale.
Enterprise Digital Banking Platforms
Large-scale neo banks processing millions of transactions daily leverage AOPAY's complete API suite to support international payments, multi-currency accounts, and cross-border remittances. Our Banking & Financial Software provides detailed analytics, regulatory reporting, and tax compliance across multiple jurisdictions while maintaining sub-second response times.
Key Benefits: Global scalability, comprehensive reporting, multi-region compliance, advanced API customization, and dedicated enterprise support.
Why Leading Neo Banks Choose AOPAY
Grow Revenue with Unified Experiences
From mobile-first banking experiences to physical branch services, you can quickly add new banking products, acquire customers across channels, and capture more revenue with AOPAY's complete API platform. Our unified infrastructure ensures consistent experiences whether customers interact through mobile apps, web platforms, or partner integrations.
Launch Subscription Banking
Offer premium banking memberships with recurring subscription fees. AOPAY Billing helps you set up tiered plans, automate invoicing, manage upgrades and downgrades, and handle dunning for failed payments – all out of the box with minimal development effort.
Extend to Physical Banking
AOPAY Terminal enables you to build customized point-of-service experiences for branch banking, ATM alternatives, and assisted banking kiosks. Unify both digital and physical banking operations into a single omnichannel system with centralized customer data and transaction history.
Integrate Your Banking Ecosystem
Connect AOPAY with your existing tools for customer relationship management, loan origination, wealth management, accounting, and regulatory reporting. Access hundreds of pre-built integrations through the AOPAY App Marketplace or build custom integrations using our comprehensive API documentation.
Built to Scale with Your Neo Bank
As your digital bank grows from serving hundreds to millions of customers, AOPAY's infrastructure scales seamlessly with your business. Our platform is engineered to handle increasing transaction volumes, support additional payment channels and banking products, and expand into new markets without requiring architecture changes.
Grow Without Limitations
Start by accepting basic deposits and transfers, then progressively add UPI payments, international remittances, lending products, investment services, and cryptocurrency integration as your customer base grows. AOPAY's modular API design ensures you only pay for what you use while maintaining the flexibility to activate new features instantly.
Global Expansion Made Simple
When you're ready to expand internationally, AOPAY supports multi-currency accounts, cross-border payments, and local payment methods in over 50 countries. Our compliance framework helps you meet regulatory requirements in new markets, from PSD2 in Europe to RBI guidelines in India.
Future-Proof Technology
Our platform evolves with the digital banking industry. As new payment technologies emerge – whether Open Banking APIs, Central Bank Digital Currencies, or decentralized finance integrations – AOPAY provides early access to cutting-edge capabilities that keep your neo bank competitive.
Build Your Digital Bank with AOPAY Experts Guidance
AOPAY's banking technology experts guide neo banks through every stage of development – from initial architecture design and API integration to optimization, scaling, and expansion into new products. Our team brings deep expertise in digital banking, payment processing, regulatory compliance, and financial technology.
Comprehensive Support Services :
Technical Architecture Review
Design optimal integration strategies for your banking infrastructure.
Compliance Consulting
Navigate RBI regulations, KYC requirements, and anti-money laundering rules.
Conversion Optimization
Analyze and improve account opening flows, payment acceptance, and customer retention.
Fraud Strategy Development
Create custom fraud prevention rules tailored to your customer base and risk profile.
Performance Monitoring
Ongoing analysis of transaction success rates, authorization metrics, and system performance.
Migration Support
Seamlessly transition from legacy systems or other payment providers to AOPAY.
Expand Your Banking Services
Recurring Payments & Subscriptions
Launch premium banking tiers, subscription-based services, or membership programs with AOPAY Billing. Manage recurring billing cycles, automate invoice generation, handle payment retries for failed transactions, and provide customers with self-service subscription management.
Branch & Kiosk Banking
Provide seamless customer experiences across digital and physical channels. Enable customers to open accounts online and complete verification at branches, or start applications in-branch and finish digitally. AOPAY Terminal unifies all touchpoints into a single system.
Treasury & Cash Management
Offer business banking services with treasury management, bulk payouts, automated reconciliation, and virtual accounts for corporate customers. Enable businesses to manage their cash flow, automate vendor payments, and receive payments from multiple sources seamlessly.
Frequently Asked Questions
What banking APIs does AOPAY provide for neo banks?
How do KYC APIs help digital banks comply with regulations?
Can AOPAY's platform scale from startup neo bank to enterprise?
What is Connected Banking and how does it benefit neo banks?
How does AOPAY ensure security for digital banking transactions?
How long does it take to integrate AOPAY's APIs?
Ready to Build the Future of Banking?
Explore AOPAY's complete banking API platform, or create an account instantly to start building. You can also contact our team to design a custom package tailored to your neo bank's specific requirements and growth trajectory.
Contact Sales
Discuss enterprise pricing, custom integration requirements, and dedicated support options for your digital bank.
Developer Documentation
Access comprehensive API docs, integration guides, code samples, and SDKs in multiple programming languages.
Sandbox Environment
Test all APIs in our sandbox with realistic scenarios before going live with real transactions.
Transform Your Vision Into a Leading Neo Bank
As the digital banking industry evolves rapidly, having the right technology infrastructure is critical to competing with established banks and delivering exceptional customer experiences. AOPAY provides the complete API platform, fraud prevention tools, verification services, and expert guidance to help your neo bank succeed – from initial launch through enterprise scale.
Whether you're building a mobile-first challenger bank, a specialized lending platform, or a full-service digital banking institution, leverage AOPAY's comprehensive suite of APIs and professional services to accelerate development, ensure compliance, and future-proof your business for sustainable growth in the competitive fintech landscape.