High-Speed Financial APIs

Unified Payment Gateway & Fintech Infrastructure

Power your business with instant UPI Collections, Payout APIs, Sound Box voice alerts, Dynamic QRs, and Android POS solutions with 99.99% uptime.

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PCI-DSS Level 1
<100ms Latency
Auto Settlements
POST /v1/upi/collect 
// Initiate UPI Collection API Request
                        curl -X POST https://api.inr.pay/v1/upi/collect \
                        -H "Authorization: Bearer inr_live_89a3k2..." \
                        -H "Content-Type: application/json" \
                        -d '{
                            "merchant_vpa": "store@inrpay",
                            "customer_vpa": "customer@upi",
                            "amount": 1499.00,
                            "currency": "INR",
                            "note": "Order #PAY-98214",
                            "webhook_url": "https://yourdomain.com/webhook"
                        }'

                        // Response: 200 OK
                        {
                        "status": "success",
                        "txn_id": "TXN_901823712",
                        "upi_intent": "upi://pay?pa=store@inrpay&am=1499.00...",
                        "qr_data_url": "https://api.inr.pay/qr/901823712.png",
                        "created_at": "2026-07-27T13:45:00Z"
                        }

₹500Cr+

Monthly Processing Volume

99.99%

API Uptime SLA

< 80ms

Webhook Response Speed

50,000+

Active Merchants

Our Core Offerings

Comprehensive Payment Gateway Solutions

Integrate high-converting payment solutions built for digital businesses, retail stores, and enterprise fintech platforms.

UPI Collection API

Collect instant payments via custom VPAs, Intent calls, and automated deep links directly into your merchant bank account.

  • Zero Drop Rate UPI Intent
  • Instant Webhook Callbacks
  • Auto Reconciliation
Read Docs

Payment Gateway API

Accept Cards (Visa, Mastercard, RuPay), Net Banking (50+ banks), Wallets, and EMI options through a single checkout SDK.

  • Seamless Custom Checkout
  • Smart Router & Auto-Retry
  • Tokenized Card Storage
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Payout API

Automate 24x7 instant payouts to vendor bank accounts, UPI IDs, and debit cards via IMPS, NEFT, and RTGS.

  • Instant 24x7 Disbursal
  • Batch Payout via Excel/API
  • Bank Account Verification
Read Docs

Sound Box Solution

Smart IoT hardware soundbox for merchant counters with multilingual voice notifications on payment receipt.

  • Dual SIM 4G & Wi-Fi
  • 10 Regional Languages
  • Long Battery Backup (7 Days)
Explore Hardware

Static QR API

Generate zero-cost branded static QR codes for physical retail stores and merchant counters with instant SMS alerts.

  • Interoperable BharatQR/UPI
  • Sub-Merchant Tagging
  • Instant Audio/SMS Sync
Read Docs

Dynamic QR API

Generate order-specific dynamic QR codes with embedded transaction amount and expiration timers for POS screens.

  • Order Amount Embedded
  • Auto-Expiring Session QR
  • Real-time Display Sync
Read Docs

POS Machine Solution

Smart Android POS terminals equipped with built-in thermal printer, barcode scanner, and magnetic card reader.

  • Android Smart OS
  • Tap & Pay (NFC) Enabled
  • Built-in Thermal Receipts
Explore Hardware
Developer First Platform

Integrate In Under 30 Minutes

Clean REST APIs, webhooks with signature verification, and SDKs for PHP, Node.js, Python, and Java.

Secure HMAC Signatures

Every API call and webhook callback is cryptographically signed.

Sandbox Test Environment

Test all payment flows with mock credentials before going live.

payout_sample.php
PHP 8.x SDK 
<?php
                    use INRPay\Client;

                    $inrpay = new Client('inr_live_secret_key_8921');

                    // Instant Vendor Payout via API
                    $payout = $inrpay->payouts->create([
                        'account_number' => '918273645012',
                        'ifsc'           => 'SBIN0001234',
                        'amount'         => 5000.00,
                        'mode'           => 'IMPS',
                        'purpose'        => 'VENDOR_SETTLEMENT',
                        'reference_id'   => 'SETTLE_BATCH_0091'
                    ]);

                    echo "Payout Status: " . $payout->status; 
                    // Output: Payout Status: SUCCESS (UTR: 42091827361)
Retail & Counter Hardware

Sound Box & Smart POS Machines for Retail Stores

Equip your offline stores with smart audio notifications and Android POS machines that sync seamlessly with your backend dashboard in real-time.

Voice Sound Box

Loud 3W speaker, 4G SIM connectivity, 7-day battery life, instant voice confirmation.

Android POS Terminal

High-speed thermal printer, 5.5-inch touch display, card tap & swipe support.

Order Hardware Devices

Real-time Audio Alert Sync

"Received ₹500 on INR.pay UPI" — Clear voice alerts in Hindi, English, Tamil, Telugu, Marathi, and 5+ regional languages.

Quick Start

Get Started in 3 Simple Steps

1

Create Account & KYC

Complete digital paperless KYC onboarding with instant API sandbox access.

2

Integrate API Keys

Use SDKs, ready plugins, or direct REST API calls to initiate payments and payouts.

3

Go Live & Collect

Switch to live keys and accept UPI, Card, Soundbox, and POS payments instantly.