Payment API Development

Build and integrate powerful payment APIs supporting UPI, IMPS, NEFT, RTGS, and more. Developer-friendly RESTful APIs with comprehensive documentation and sandbox environments.

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Custom Payment API Solutions for Indian Fintech

Our Payment API development services provide the building blocks for any fintech application. Whether you need UPI collection and payout APIs, IMPS instant transfers, NEFT/RTGS settlement APIs, or a unified payment gateway, we build secure, scalable, and RBI-compliant APIs that power millions of transactions. Each API comes with sandbox testing, detailed documentation, webhook support, and dedicated integration assistance.

Payment API Features

Enterprise-grade payment APIs for every use case.

UPI Collection API

Generate UPI payment links, QR codes, and collect payments via intent flow with real-time callback notifications.

UPI Payout API

Send instant payouts to any UPI VPA. Ideal for refunds, cashbacks, vendor payments, and salary disbursements.

IMPS Transfer API

Instant fund transfer API available 24x7 for real-time bank account to bank account money movement.

NEFT/RTGS Settlement

Bulk transfer APIs for NEFT batch processing and high-value RTGS transfers with settlement tracking.

Bank Account Verification

Penny drop and penny-less verification APIs to validate bank account details before initiating transfers.

Webhook Notifications

Real-time webhook callbacks for transaction status updates, settlement confirmations, and refund events.

Sandbox Environment

Full-featured sandbox with test data for development and integration testing without touching live money.

Idempotency Support

Built-in idempotency key support to safely retry failed requests without duplicate transaction processing.

Multi-Currency Support

Handle INR transactions across all payment rails with support for currency conversion where applicable.

Rate Limiting & Throttling

Configurable API rate limits per client with graceful degradation and priority queue for high-value transactions.

Integration Guide

Get up and running with our Payment APIs in four simple steps.

01

Get API Keys

Sign up for a developer account and get your sandbox API keys. Test credentials are available immediately.

02

Read the Docs

Explore our comprehensive API documentation with code examples in PHP, Python, Node.js, Java, and cURL.

03

Test in Sandbox

Build and test your integration in our sandbox environment with simulated transactions and test bank accounts.

04

Go Live

After successful testing, switch to production keys and start processing real transactions with 24/7 support.

// Sample: UPI Collection Request cURL 
curl -X POST https://api.trinitypay.in/v1/upi/collect \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 1500.00,
    "currency": "INR",
    "order_id": "ORD-123456",
    "customer_vpa": "customer@upi",
    "description": "Payment for Invoice #123",
    "callback_url": "https://yoursite.com/webhook/payment"
  }'

Frequently Asked Questions

Common questions about our Payment API development services.

Our APIs support UPI (collect, intent, QR), IMPS, NEFT, RTGS for bank transfers, and integration with popular payment gateways for card payments. We also support wallet-to-wallet transfers and payout APIs for disbursements.

We provide a complete sandbox environment with test API keys, simulated bank responses, and test UPI VPAs. You can test all scenarios including successful payments, failures, timeouts, and refunds without processing real money.

Our payment APIs maintain 99.95% uptime with redundant infrastructure across multiple data centers. We use active-active failover, automated health checks, and 24/7 monitoring to ensure your payment processing is always available.

Yes, we provide official SDKs for PHP, Python, Node.js, Java, and .NET. We also provide comprehensive cURL examples and Postman collections for quick testing. Community SDKs are available for Ruby and Go.

All API communications are encrypted with TLS 1.3. We use API key + secret authentication with HMAC signature verification. IP whitelisting, rate limiting, and PCI DSS Level 1 compliance ensure the highest security standards for your transactions.

Ready to Build with Our Payment APIs?

Get started with sandbox access today. Our team will help you integrate secure, reliable payment APIs into your platform.

Get API Access