PayCred
🇮🇳Proudly Made in India
Fast • Secure • 100% RBI Compliant
Fast • Secure • 100% RBI Compliant
Automate your payment flows with developer-first API infrastructure. PayCred Payment APIs provide clean, robust, and highly documented endpoints for initiating charges, issuing refunds, managing recurring mandates, checking bank account details, and verifying KYC. Backed by webhooks, a sandboxed testing environment, and detailed logs, our API suite empowers software engineering teams to embed financial capabilities directly into custom web and mobile apps.
Standard RESTful JSON endpoints designed for intuitive integration and predictable behavior.
Receive real-time payment status notifications directly on your server via secure webhooks.
Test checkout flows, payment failures, and webhook responses before writing production code.
Optimized endpoints designed for low latency and high concurrent request handling.
Consistent resource naming, standard HTTP response codes, and bearer token auth.
Debug API payloads, headers, and responses in your merchant dashboard.
Pre-built SDKs for Node.js, Python, PHP, Ruby, Java, Go, and Flutter.
We version our APIs to ensure your live integrations never break when updates launch.
| API Parameter | PayCred Developer APIs | Legacy Bank APIs |
|---|---|---|
| Documentation Quality | Interactive OpenAPI Specs | Static PDF Sheets |
| Sandbox Testing | Full Simulator Sandbox | No Test Environment Available |
| Authentication | Bearer Token / HMAC Signature | Complex IP Whitelisting / Certs |
| Integration Speed | Few Hours | Weeks / Months |
Maintain complete brand control by hosting your own payment screens and sending details via secure tokenized APIs.
Feed transaction status directly into corporate ledger software for instant reconciliation.
Automate PAN, Aadhaar, and bank account name verification checks during user registration.
API requests are authenticated using Secret Keys. You can generate and rotate your Live and Test API keys in the Developer Settings section of your dashboard.
Yes. We support webhooks for payment success, payment failed, refund processed, and settlement updates, complete with cryptographic HMAC signatures.
Our core API services maintain a 99.99% uptime guarantee with response times under 200ms.