// UPI, RuPay, cards, netbanking and international cards behind one API, settled to your Indian bank account the next working day. Test keys in a minute, live in a day.
curl https://api.paydash.in/v1/payments \ -u sk_test_3QwK9xLm2Vb8: \ -H "Content-Type: application/json" \ -H "Idempotency-Key: order_7781" \ -d '{ "amount": 49900, "currency": "INR", "methods": ["upi", "card", "netbanking"], "customer": { "phone": "+919840012345" } }'{ "id": "pay_Mq7Yk2Lw9Xa3",Save this with the order. "object": "payment", "amount": 49900,Always paise: this is ₹499.00. "currency": "INR", "status": "created",Then authorised, captured, settled. Each is a webhook. "methods": ["upi", "card", "netbanking"], "url": "https://pay.paydash.in/Mq7Yk2Lw",Send the customer here, or open it in the SDK sheet. "expires_at": "2026-09-04T14:32:10+05:30", "test": true}Amount, currency, methods. The checkout page picks the right flow for the device: UPI intent on a phone with GPay, a QR on a desktop, a saved card when there is one.
methods: ["upi"]Intent, collect and QR flows on PhonePe, GPay, Paytm and every BHIM app. AutoPay mandates for subscriptions up to ₹15,000 without a second factor.
methods: ["card"]Visa, Mastercard, RuPay and Amex, debit and credit. Numbers are tokenised under RBI's card-on-file rules, so your servers never hold a PAN and your PCI scope stays at SAQ A.
methods: ["netbanking"]71 banks, from SBI and HDFC to Tamilnad Mercantile and Karur Vysya. A bank that is down is hidden from checkout automatically and shown on the status feed.
methods: ["wallet", "emi"]Amazon Pay, Mobikwik and Airtel Money. No-cost and standard EMI from 14 card issuers on tickets above ₹3,000, with the schedule shown before the customer commits.
currency: "USD"Cards from 130 countries, priced in USD, EUR, GBP, AED or SGD and settled to you in rupees. A FIRA certificate is generated for every settlement.
live mode · acct_KovaiFresh
times as recorded, not as advertised
The payment exists and the checkout link is live. Nothing has moved yet.
The customer's bank has blocked ₹499.00. Capture it, or let it lapse in five days.
Money has left the customer's account and sits in our nodal account at HDFC.
Batched with 1,283 other captures and pushed to HDFC ····4417 as a single NEFT.
HDFCR52026090418823 — the string your finance team actually searches for.
One delivery of payment.captured to api.kovaifresh.in/hooks/paydash on the Thursday their Kubernetes upgrade went sideways, drawn on the clock it actually took.
// six attempts across one hour, four of them inside the first two minutes — the axis above is logarithmic
If the sixth attempt fails the event is marked undelivered and sits in the dashboard until you replay it. Nothing is dropped, and nothing is delivered twice — the event id is the idempotency key.
Order is preserved per payment. A queued payment.captured is never overtaken by the settlement.processed that follows it, so your state machine only ever moves forwards.
Every settlement lists the payments in it, the fee on each, and the bank reference. Pull it from the API or the dashboard as CSV, or let Tally and Zoho Books fetch it themselves.
| payment | method | gross ₹ | fee ₹ | net ₹ |
|---|---|---|---|---|
| pay_Mq7Yk2Lw9Xa3 | UPI · PhonePe | 499.00 | 0.00 | 499.00 |
| pay_Hs2Pd8Vn4Kc1 | Card · RuPay credit | 2,349.00 | 43.11 | 2,305.89 |
| pay_Tq9Rb1Ez6Wm5 | Netbanking · HDFC | 12,800.00 | 158.60 | 12,641.40 |
| pay_Ck4Lm7Qa2Yt8 | UPI · GPay | 1,249.00 | 0.00 | 1,249.00 |
| pay_Vn6Xd3Pr9Bs2 | Card · Visa debit | 6,999.00 | 124.48 | 6,874.52 |
| pay_Wd1Ks5Nb8Gh4 | International · USD 49.00 | 4,116.00 | 124.36 | 3,991.64 |
| 6 payments shown | 28,012.00 | 450.55 + GST 81.10 | 27,480.35 | |
captured above, credited below, offset by T+1 — acct_KovaiFresh, 31 Aug to 7 Sep 2026
weekends and RBI holidaysCaptures never stop. Credits wait for a working day, and the payments settled on Diwali morning are the ones captured the Thursday before.
settlements.listEvery future credit is queryable the moment the capture succeeds, so a cash-flow forecast is a GET, not a spreadsheet.
on-demand settlementNeed Friday's money on Friday? Turn it on for 0.15% and the NEFT goes out at 17:30 IST the same day.
Every claim below is a document with a number on it, and the CLI will fetch you the document.
npm install @paydash/nodepip install paydashgo get github.com/paydash/paydash-go/v3composer require paydash/paydash-php“We moved 40,000 orders a month over one weekend. The webhook payloads are the first I've seen that didn't need a wrapper, and finance stopped asking me for UTRs.”
Test keys need an email. Live keys need a PAN, a bank account and about a day.