Instant transfers. Bank-grade security. One API for all your payout needs — UPI, IMPS, NEFT, RTGS, vendor payments, salary disbursement, and more. Go live in under 48 hours.
A unified API surface covering every payout use case — from single transfers to bulk disbursements handling millions of transactions per day.
Single unified API for IMPS, NEFT, RTGS, and UPI payouts. Sub-second response times with automatic failover and retry logic built-in.
Real-time UPI transfers to any VPA (Virtual Payment Address). Support for UPI ID, phone number, and QR-based payouts.
Process thousands of payouts in a single API call. Upload CSV or JSON batches and track each transaction with real-time status updates.
Automate your entire vendor payment cycle. Schedule, approve, and dispatch payments with multi-level authorization workflows.
Payroll-grade bulk salary transfers with PF, TDS, and ESI deduction support. Integrated with HRMS systems via API.
Instant penny-drop validation, account number + IFSC verification, and UPI handle verification before initiating any payout.
Generate dynamic virtual account numbers for collections, reconciliation, and escrow workflows — all linked to your master account.
Event-driven architecture with signed webhooks, retries, and replay support. Build zero-polling automation pipelines in minutes.
T+0 settlement for UPI transactions. Configurable settlement cycles for NEFT/RTGS with full reconciliation reports.
Rule-based payment automation with conditional logic, smart routing, and multi-bank failover for maximum throughput.
Every millisecond matters in fintech. Payzenix is engineered for the throughput demands of modern India — from D2C startups to NBFCs processing crores daily.
Sub-3 second median transfer times across all payment rails — UPI, IMPS, and RTGS.
AES-256 encryption, mutual TLS, IP whitelisting, and hardware security modules (HSM).
Full PPI license compliance, AML monitoring, KYC integration, and regulatory reporting built-in.
Track every rupee in real-time. Detailed transaction logs, audit trails, and live status webhooks.
RESTful APIs, SDKs in 6 languages, interactive sandbox, and world-class documentation. Go from signup to first payout in under 15 minutes.
curl -X POST https://api.payzenix.tech/v1/payouts \
-H "Authorization: Bearer YOUR_API_KEY" \
-H "Content-Type: application/json" \
-d '{
"amount": 50000,
"currency": "INR",
"mode": "UPI",
"beneficiary": {
"name": "Rahul Sharma",
"upi_id": "rahul@okaxis"
},
"reference_id": "PAY_REF_001",
"narration": "Vendor Payment Q1"
}'const Payzenix = require('@payzenix/node');
const client = new Payzenix({
apiKey: process.env.PAYZENIX_API_KEY
});
const payout = await client.payouts.create({
amount: 50000,
currency: 'INR',
mode: 'UPI',
beneficiary: {
name: 'Rahul Sharma',
upi_id: 'rahul@okaxis'
},
reference_id: 'PAY_REF_001'
});
console.log(payout.status); // 'SUCCESS'import payzenix
client = payzenix.Client(
api_key="YOUR_API_KEY"
)
payout = client.payouts.create(
amount=50000,
currency="INR",
mode="UPI",
beneficiary={
"name": "Rahul Sharma",
"upi_id": "rahul@okaxis"
},
reference_id="PAY_REF_001"
)
print(payout.status) # SUCCESSuse Payzenix\Client;
$client = new Client([
'api_key' => 'YOUR_API_KEY'
]);
$payout = $client->payouts->create([
'amount' => 50000,
'currency' => 'INR',
'mode' => 'UPI',
'beneficiary' => [
'name' => 'Rahul Sharma',
'upi_id'=> 'rahul@okaxis',
],
'reference_id' => 'PAY_REF_001',
]);
echo $payout->status; // SUCCESS{
"id": "pay_9xKf2hQ8mZpR",
"status": "SUCCESS",
"amount": 50000,
"mode": "UPI",
"utr": "502345678901234",
"processed_at": "2025-05-23T14:22:01Z"
}Clean, predictable REST endpoints with JSON payloads. Follows OpenAPI 3.1 specification.
Full-featured sandbox with test credentials, simulated failures, and mock webhook delivery.
Official SDKs for Node.js, Python, PHP, Java, Go, and Ruby. Community SDKs for 10+ more.
HMAC-SHA256 signed payloads with automatic retry and delivery guarantees. Inspector dashboard included.
From high-frequency gaming payouts to NBFC loan disbursements, our infrastructure handles the unique demands of each industry.
Instant seller payouts, cash-on-delivery remittance, and marketplace disbursements at scale.
Driver earnings, COD remittance, fleet vendor payments — automated and compliant.
Loan disbursements, EMI refunds, and collection settlements with full audit trails.
Claims settlement, agent commissions, and premium refunds — compliant and traceable.
Multi-party splits, escrow, and seller onboarding with PAN/bank verification built-in.
Gig worker payouts, daily earnings settlements, and franchise remittances without friction.
Embedded finance — add payout capabilities to your SaaS product via white-label APIs.
Every transaction is protected by layered security architecture designed to institutional banking standards. Security is not an add-on at Payzenix — it's the foundation.
All data encrypted at rest and in transit using military-grade AES-256 with hardware key management.
ML-powered real-time fraud scoring on every transaction with configurable risk thresholds.
Integrated AML monitoring, KYC verification workflows, and automated SAR reporting.
Immutable, tamper-proof audit logs for every API call, configuration change, and transaction event.
Granular RBAC with multi-person approval workflows, IP whitelisting, and 2FA enforcement.
Every request authenticated and authorized independently. No implicit trust within the network perimeter.
Thousands of individuals and small business owners across India trust Payzenix to move their money. Here's what they say.
I run a small online clothing store. Before Payzenix, refunds used to take 3–4 days and customers would get angry. Now refunds hit in seconds. My store rating went from 3.8 to 4.7 just because of this!
I am an astrologer on a consultation app. Earlier my earnings would come after 7 days. After the app switched to Payzenix, I get paid within minutes of each session ending. It genuinely motivates me to take more calls!
I host live video sessions and my tip earnings used to get stuck. Since the platform integrated Payzenix, every tip lands in my account almost immediately. I now earn 40% more because viewers know I actually receive their support.
I sell handmade jewellery on multiple e-commerce sites. Payzenix helped my main platform process seller payments daily instead of weekly. My cash flow is so much better now — I can restock without waiting for settlement week.
The dating app I use pays creators for virtual gifts and I was sceptical at first. But the withdrawals are instant now — I requested ₹8,400 at 11 PM and it was in my account before midnight. No other app does this so smoothly.
I am a freelance web designer. I used to follow up with clients for weeks to get paid. My agency now uses Payzenix and the moment they mark a project complete, money is in my UPI in under 60 seconds. This changed my life seriously.
I tutor students online and the EdTech platform I teach on recently switched to Payzenix. My fortnightly payout is now done to the minute — every second Sunday at 10 AM, it's already in my account. Absolutely reliable.
My food stall is listed on a delivery app and COD collections were always delayed by 4–5 days. Since they moved to Payzenix, I get my COD amount credited every evening at 8. I can buy fresh ingredients the next morning without any stress.
I book travel packages as an independent agent. My commissions used to arrive in 10–15 days. The travel portal I work with uses Payzenix now — I get my commission the same day a booking is confirmed. Huge difference!
I do product reviews and unboxings — brands pay me through an influencer platform that uses Payzenix. The payment is always on time and the amount is exact down to the rupee. Never had to send a follow-up invoice ever since.
I am a part-time delivery partner. I work evenings and used to wait until Friday for my week's earnings. The app switched to Payzenix and now I see my daily earnings in my account every night. Makes planning so much easier for my family.
I sell organic skincare through a D2C platform. They use Payzenix for vendor payments and I now get paid within 24 hours of dispatch. No more chasing accounts teams. My business cash flow is clean and predictable every single week.
No hidden fees. No setup charges. Pay only for successful transactions. Volume discounts kick in automatically.
Perfect for startups and small businesses getting started with automated payouts.
For high-growth companies needing full API access, bulk payouts, and priority support.
Tailored for NBFCs, large marketplaces, and platforms with crore-level daily volumes.
Join 1,200+ businesses that trust Payzenix to move billions of rupees every month. Get API access, free sandbox, and a dedicated integration engineer — no contracts, no lock-ins.