API Integration
Integrate ClearPayz's PayIn API into your system using our SDKs (Node.js, Python, PHP, Java) or REST endpoints. Configure payment channels, webhook URLs, and settlement preferences.
PayIn
Accept Payments Through Every Channel
PayIn is ClearPayz's collections module - a single API that lets your institution accept payments from customers through UPI, NEFT, RTGS, IMPS, cards, net banking, and wallets. Get real-time payment confirmation, automatic reconciliation, and multi-format settlement files through one integration.
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You pay
₹50,000 INR
↓
You receive
600.42 USDT · TRC-20
Powered by ClearPayz · Settles in < 60s
How It Works
What Is PayIn / Collections?
When a bank, NBFC, or fintech needs to collect money from customers - loan EMIs, insurance premiums, fees, or subscription charges - they need a reliable multi-channel collection system. PayIn aggregates all incoming channels into one API endpoint. Instead of building separate integrations for UPI, cards, net banking, NEFT, RTGS, and IMPS, your institution connects once and gets access to all channels. PayIn handles routing, real-time webhook confirmation, automatic receivables matching, and settlement file generation in CSV, Excel, JSON, or XML.
Payment Initiation
Your system creates a payment request specifying amount, customer details, and allowed payment modes. PayIn returns a payment session or redirect URL.
Customer Pays
Customer selects their preferred payment mode and completes the transaction through ViyonaPay's secure payment interface.
Real-Time Notification
PayIn sends an instant webhook notification to your system confirming payment success or failure, with full transaction details.
Settlement & Reconciliation
Funds are settled to your bank account per agreed schedule. Auto-reconciled reports are generated and available via dashboard or API.
Supported Channels & Modes
UPI
Collect, Pay, QR, Intent - all UPI transaction types. Real-time settlement via NPCI UPI infrastructure.
NEFT
National Electronic Funds Transfer with batch processing, available 24/7. Suitable for non-urgent collections with no per-transaction limit.
RTGS
Real Time Gross Settlement for high-value transfers above Rs. 2 lakhs with real-time settlement during operating hours.
IMPS
Immediate Payment Service with 24/7 real-time transfers up to Rs. 5 lakhs and instant confirmation.
Credit & Debit Cards
Visa, Mastercard, RuPay - domestic and international, with EMI options and PCI-DSS compliant processing.
Net Banking
All major Indian banks supported. Customers are redirected to their bank's secure login for authentication.
Wallets
Select digital wallets including PayTM, Amazon Pay, and PhonePe wallet with real-time balance check and debit.
Key Features
Multi-Channel Collection: Accept payments via UPI, NEFT, RTGS, IMPS, cards, net banking, and wallets through a single API.
Real-Time Confirmation: Instant payment confirmation via webhooks within seconds of completion, with retry and signature verification.
Auto-Reconciliation: Every incoming payment auto-matched to expected receivables using customer ID, invoice number, VAN, or amount.
Multi-Format Settlement: Settlement files in CSV, Excel, JSON, or XML with configurable schedules: daily, hourly, or real-time.
Payment Links & Pages: Generate shareable payment links and hosted pages for SMS, email, and WhatsApp campaigns.
Multi-Bank Routing: Intelligent routing by payment mode, success rate, and cost with automatic failover.
Partial & Split Payments: Support partial invoice payments and split collections across multiple beneficiary accounts.
Retry & Recovery: Auto-retry failed transactions with configurable policies and abandoned-payment recovery links.
Built-in features for better payment completion
Compliance & verification
Purpose code capture and validation | Customer declarations and consent flows | Document upload and verification | Sanctions and AML checks
Banking & processing
Direct integration with AD Category-I banks | Bank account collection and validation | FX quote generation before payment | Structured exception handling
Control & visibility
Track every remittance in real time | Detailed transaction event logs | Action-required states for exceptions | Audit-ready records from start to settlement