PayOrbit — Digital Payment Infrastructure Built for Businesses

Architecture & Focus

Built to Simplify Digital Financial Services

PayOrbit provides technology and API-based infrastructure that enables businesses to integrate financial services into their own applications, platforms and workflows.

Rather than managing isolated bilateral agreements, disjointed banking APIs, and fragmented settlement workflows individually, PayOrbit unifies digital payment rails, assisted financial tools, and ledger operations under a cohesive, developer-friendly architecture.

Unified API Layer

Standardized REST interfaces for payments, collections, payouts, and utility verification, abstracting complex protocol differences.

Double-Entry Ledger

Mathematically verified balances for every merchant, partner, and wallet node, guaranteeing reconciliation integrity.

Hierarchical Networks

Multi-tier organization support enabling businesses to manage enterprise accounts, distributors, and retail cashiers under clear boundaries.

Core Offerings

Fintech Services

Comprehensive financial technology modules designed for business payment workflows and assisted digital services.

UPI & Payment Collection

Enable businesses to accept digital payments and manage collection workflows through Dynamic QR, intent flows, and automated reconciliation callbacks.

Payout Services

Business-oriented payout infrastructure for sending funds to customers, partners, vendors and beneficiaries via IMPS and NEFT channels.

AEPS

Aadhaar Enabled Payment System infrastructure for assisted banking and financial service use cases including cash withdrawals and balance inquiries.

BBPS

Bharat Bill Payment System integration for bill payment and digital service platforms across utilities, electricity, water, gas, and broadband.

Micro ATM

Technology support for assisted cash withdrawal and banking service networks via secure mPOS terminal connectivity.

DMT

Domestic money transfer infrastructure for business and agent-based use cases with real-time beneficiary verification and immediate settlement.

Recharge & Bill Payments

Mobile, DTH and utility recharge/payment capabilities with automated plan lookup and real-time operator confirmation callbacks.

KYC & Verification

Verification and onboarding capabilities for fintech and merchant workflows, including bank account validation and identity checks.

API Banking Infrastructure

API-first infrastructure that businesses can integrate into their existing platforms with webhook event streaming and granular transaction tracking.

Targeted Execution

Solutions Designed Around Your Business

Tailored integration models configured to support the specific commercial needs of diverse business platforms.

Fintech Platforms

For Fintech Companies

Build financial products using PayOrbit APIs and infrastructure. Leverage our unified switching logic, payout engines, and automated ledgers so your engineering team can focus on end-user product experiences.

API & Webhook Access

Commerce & Services

For Merchants

Manage collections, payouts and digital financial services from one platform. Accept customer payments, disburse vendor settlements, and review automated reconciliations from a unified dashboard.

Merchant Dashboard

Assisted Retail

For Agents & Retailers

Provide assisted financial services to customers through a unified ecosystem. Offer cash withdrawals, domestic money transfer, bill payments, and recharges with real-time commission credit.

Retail Counter Point

Corporate Workflows

For Enterprises

Integrate payment and financial workflows directly into existing business applications. Automate accounts payable, partner payouts, recurring billing reconciliation, and audit reporting.

ERP & Workflow Bridge

Developer First

For Platforms & Developers

Use APIs and webhooks to connect payment and financial services with your own products. Standardized JSON response payloads, predictable error handling, idempotent request mechanisms, and staging sandboxes for fast implementation.

Integration Guides & Reference

Process Flow

How PayOrbit Works

A structured, straightforward process to onboard, integrate, and manage commercial financial services.

01 Selection

Connect

Choose the required services and APIs based on your business model, whether collections, payouts, or assisted financial rails.

02 Integration

Integrate

Connect PayOrbit with your application or business platform using standard REST endpoints and webhook listeners.

03 Execution

Transact

Process payments, collections, payouts and financial services through high-availability switching infrastructure.

04 Operations

Manage

Monitor transactions, settlements, users and business activity from one place with complete audit-friendly visibility.

Developer & System Integration

Technology That Fits Into Your Platform

PayOrbit is designed with API-first architecture so businesses can integrate payment and financial services into their own applications.

Core Architecture Elements

REST APIs Webhooks Authentication Transaction APIs Status APIs Reports Settlement Data

JSON REST v1

// 1. Initiate Instant IMPS/NEFT Vendor Payout

POST /v1/payouts/transfers

Headers: Authorization: Bearer sec_live_... | Idempotency-Key: idemp_92f

{
  "account_number": "024105001928",
  "ifsc": "HDFC0000241",
  "beneficiary_name": "Apex Logistics Pvt Ltd",
  "amount": 45000.00,
  "currency": "INR",
  "transfer_mode": "IMPS",
  "reference_id": "PAYOUT_REQ_98124",
  "purpose": "Vendor Settlement"
}

// Response 201 Created -> { "status": "SUCCESS", "utr": "426519284719" }

// 2. Create Dynamic UPI Collection QR / Intent

POST /v1/payments/upi-collect

Headers: Authorization: Bearer sec_live_... | Content-Type: application/json

{
  "merchant_id": "mer_883190",
  "order_id": "ORD_2026_0904",
  "amount": 1250.00,
  "customer_phone": "+919876543210",
  "expire_in_minutes": 15,
  "callback_url": "https://api.yourbusiness.com/webhooks/payorbit"
}

// Response 200 OK -> { "qr_string": "upi://pay?pa=...", "intent_url": "..." }

// 3. Verify Bank Account (Penny Drop Verification)

POST /v1/verification/bank-account

Headers: Authorization: Bearer sec_live_...

{
  "account_number": "918237192841",
  "ifsc": "ICIC0000002",
  "registered_name": "Suresh Kumar"
}

// Response 200 OK -> { "account_exists": true, "name_at_bank": "SURESH KUMAR", "match_score": 100 }

// 4. Automated Settlement Webhook Dispatch

EVENT: payment.settled

Signature: X-PayOrbit-Signature: sha256=9b71a...

{
  "event": "payment.settled",
  "timestamp": 1790074218,
  "data": {
    "transaction_id": "txn_orbit_49210",
    "service_rail": "UPI_COLLECT",
    "amount": 1250.00,
    "fee": 0.00,
    "net_settled": 1250.00,
    "status": "SUCCESS"
  }
}

Defensive Design

Security Comes First

Security-focused infrastructure engineered to safeguard API communication, transaction monitoring, and financial data isolation.

01

Secure API Communication

Modern transport-layer encryption (TLS 1.3) across all endpoints with mandatory payload signatures and header verification.

02

Authentication and Access Controls

Granular bearer tokens, rotating secret credentials, IP allowlists, and multi-factor verification for portal accounts.

03

Transaction Monitoring

Automated velocity checks, volume threshold surveillance, and real-time behavioral anomaly flagging on active rails.

04

Role-Based Access

Principle of least privilege enforced across administrative desks, finance teams, operations agents, and auditors.

05

Audit-Friendly Transaction Records

Double-entry ledger architecture where each financial movement is mathematically matched, stamped, and immutable.

06

Secure Data Handling

Segregated database partitions, tokenized account identifiers, and encryption at rest for sensitive commercial metadata.

07

Controlled Merchant Access

Autonomous merchant boundaries ensuring downstream retailers, distributors, and partners operate with strictly isolated wallet balances and zero cross-tenant visibility.

Operational Interface

PayOrbit Platform Console

A centralized management workspace built for financial operations, transaction auditing, and partner ecosystem controls.

PayOrbit Operations Console Production Env

API Status: Normal

Settlement Cycle: T+0 Real-Time

Today's Collections

₹18,42,950.00

UPI & QR Inbound

Disbursed Payouts

₹11,65,400.00

IMPS / NEFT Rail

Wallet / Balance

₹42,80,000.00

Operational Float

Active Network Nodes

1,842

Merchants & Agents

Transaction Overview Collection Payout Settlement Merchants Agents Reports API Status

Reference / UTR	Service Rail	Party / Beneficiary	Amount (₹)	Status	Time
TXN_UPI_98214	UPI Collection	retail_store_44@payorbit	₹2,450.00	SUCCESS	14:32:10
PAYOUT_IMPS_7719	Vendor Payout	Kalyan Enterprises (HDFC)	₹48,200.00	SETTLED	14:31:45
BBPS_ELEC_44102	BBPS Utility	UPPCL Urban Power Bill	₹1,890.00	CONFIRMED	14:30:12
AEPS_WDL_11094	AEPS Cashout	Agent Point (Kiosk #12)	₹3,000.00	SUCCESS	14:28:50

Practical Engineering

Built for the Way Modern Businesses Operate

Engineered around concrete commercial demands, transaction consistency, and multi-tier scalability.

One Platform

Multiple financial services from a single ecosystem. Manage collections, payouts, bill payments, and assisted banking without stitching disconnected vendors.

API First

Designed for seamless integration with existing applications, ERP systems, core accounting tools, and proprietary custom platforms.

Business Focused

Built around real merchant, fintech and enterprise workflows with clear settlement timelines and configurable operational rules.

Scalable Infrastructure

Architecture designed to support growing transaction volumes with resilient queue dispatchers and automated failover routing.

Transparent Operations

Clear transaction tracking, comprehensive reporting, and operational visibility with end-to-end ledger audit trails.

Flexible Integration

Suitable for platforms, merchants, agents and digital businesses regardless of size or geographic distribution.

Answers & Clarifications

Frequently Asked Questions

Build Your Financial Workflow With PayOrbit

Talk to our team to explore the right payment and fintech solutions for your business.

Digital payment rails for real businesses