Every payment, one API.
PayTrix routes UPI and net banking across 50+ banks. One API, T+1 settlements, no payment infrastructure to manage.
- ₹4,299 UPI success 0.3s ago
- ₹12,000 Net Banking success 1.1s ago
- ₹899 UPI success 2.4s ago
- ₹7,500 UPI success 3.2s ago
- ₹2,199 Net Banking success 4.8s ago
Everything your stack needs, on day one.
No bolt-ons, no surprise limits. Six capabilities active in every PayTrix integration from the first API call.
UPI & Net Banking
50+ banks, one API endpoint. PayTrix routes each transaction to the highest-performing processor in real time. No routing configuration required on your end.
Sub-300ms API Response
P99 API latency under 300ms. 99.97% uptime over the last 30 days. No scheduled maintenance windows that affect your checkout flow.
T+1 Settlements by Default
UPI settles in T+1. Net banking settles in T+2. Bulk transfers, split payouts, and reconciliation reports, all via the same REST API.
Multi-Layer Security
HMAC-SHA256 request signing, short-lived JWT tokens, IP allowlisting, and per-transaction velocity limits. Fraud signals reach your alert channel within seconds.
First Payment in 15 Minutes
REST API with SDKs for Node.js, Python, Java, and Go. The sandbox mirrors production exactly, including webhooks and failure scenarios. Error messages tell you what went wrong and how to fix it.
Real-Time Monitoring
Live transaction feeds, per-bank success rate breakdowns, and webhook delivery logs. Set threshold alerts and get notified before your ops team does.
From zero to live in an afternoon.
Three steps. No ceremony. Real money moving by end of day.
"amount": 49900,
"method": "upi"
// done. ship it.
From first call to production in an afternoon.
Our REST API speaks every language your stack understands. Pick your SDK and start processing in minutes, not days.
Request API Accesscurl https://apiBaseURL.com/v1/payments \ -H "Authorization: Bearer sk_live_xxx" \ -H "Idempotency-Key: req-001" \ -H "Content-Type: application/json" \ -d '{ "amount": 49900, "currency": "INR", "method": "upi", "customer": { "email": "user@example.com", "phone": "+919876543210" } }'
const paytrix = require('@paytrix/node'); const client = new paytrix('sk_live_xxx'); const payment = await client.payments.create({ amount: 49900, currency: 'INR', method: 'upi', customer: { email: 'user@example.com', phone: '+919876543210' } });
import paytrix client = paytrix.Client("sk_live_xxx") payment = client.payments.create( amount=49900, currency="INR", method="upi", customer={ "email": "user@example.com", "phone": "+919876543210" } )
PaytrixClient client = new PaytrixClient("sk_live_xxx"); PaymentRequest req = PaymentRequest.builder() .amount(49900L) .currency("INR") .method("upi") .customerEmail("user@example.com") .customerPhone("+919876543210") .build(); Payment payment = client.payments().create(req);
client := paytrix.NewClient("sk_live_xxx") payment, err := client.Payments.Create( context.Background(), &paytrix.PaymentParams{ Amount: 49900, Currency: "INR", Method: "upi", Customer: &paytrix.Customer{ Email: "user@example.com", Phone: "+919876543210", }, }, )
{
"id": "pay_2xKmN8qR3vLp",
"status": "success",
"amount": 49900,
"currency": "INR",
"method": "upi",
"utr": "423876543210",
"created_at": 1708882714,
"idempotent": false,
"customer": {
"email": "user@example.com"
},
"webhook_sent": true
}
Choose Your Integration Path.
PayTrix supports two distinct integration modes. Both are fully supported, both use the same API. The difference is in who owns the payment page experience.
H2H Flow
Host-to-Host · Full Brand Control
Your customer never leaves your platform. PayTrix returns the QR code and UPI intent string to you directly. You display it, you collect the UTR, you control the entire experience.
- Complete brand continuity: your checkout, your design
- QR and intent string returned directly to your backend
- UTR submission controlled entirely by your interface
- Best for businesses with an existing checkout flow
Hosted Page
PayTrix-Hosted · Rapid Integration
PayTrix hosts the payment page. You redirect your customer to our secure session URL. After payment completion, they are returned to your redirect URL. No frontend integration required.
- Zero frontend development: redirect and return
- PayTrix hosts and manages the UPI payment page entirely
-
Customer returns to your
redirectUrlpost-payment - Integrate and go live in under an hour
Enterprise-grade security, by default.
Every integration ships with four protection layers active from the first API call. Nothing to enable, nothing to configure.
Certifications & standards
Trusted by teams building real products.
Developers and founders across India ship on PayTrix to move fast and stay compliant.
"Integrated PayTrix in under an hour. The API is exactly what a developer wants: predictable, fast, and the error messages actually tell you what went wrong."
"We switched from a large provider and immediately saw a 12% jump in UPI success rates. The intelligent routing alone paid for itself in the first week."
"PayTrix support actually picks up. We had a webhook issue at 11pm and had it resolved inside 20 minutes. That level of service is rare for a payment gateway."
Pricing that scales with you.
Volume-based pricing tailored to your transaction mix and business size. Contact us for a quote specific to your use case.
Growth
Ideal for startups and growing businesses
- All payment methods
- API access & webhooks
- Email support
- Standard reconciliation
- Basic security features
Enterprise
For established businesses with higher transaction volumes
- Everything in Growth
- Dedicated account manager
- 24/7 phone support
- Priority routing
- Advanced security
- Custom integrations
Custom
Custom solutions for enterprises with specific requirements
- Everything in Enterprise
- Volume-based pricing
- SLA guarantees
- White-label solutions
- Custom deployment options
- Dedicated infrastructure
All plans are priced on transaction volume. Discounts apply at scale. Email sales for a quote specific to your expected volume and settlement frequency.
Get in touch
Ready to transform your payment infrastructure? Our team is here to help you get started.
Schedule a Demo
Book a personalized demo with our team to see how PayTrix can streamline your payment operations.
Book DemoCommon questions.
If your question isn’t here, email us at support@thepaytrix.com. We respond within the hour.
Ask us anything-
Most developers make their first successful payment in under 15 minutes using our cURL examples. A full production integration with webhook handling typically takes 2–4 hours. We maintain step-by-step guides for every major stack.
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PayTrix supports UPI and net banking across 50+ banks.
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Yes. Every account comes with a full sandbox environment that mirrors production exactly, including webhooks, refunds, and failure scenarios. Switch between sandbox and live with a single key swap. No separate signup required.
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Standard settlement is T+1 for UPI and T+2 for net banking. Enterprise plans can negotiate T+0 settlement. Funds land directly in your registered bank account. No intermediary holding period.
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Refunds are initiated via a single API call and typically reflect in the customer's account within 5–7 business days (bank processing timelines apply). Full and partial refunds are both supported. Refund status is available via webhook or polling.
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Recurring payment mandates are not currently supported. For subscription and periodic billing use cases, please contact our team to discuss available options.
Stop struggling with payment infrastructure. Start shipping.
Your first API call takes under 15 minutes. Your first live transaction follows shortly after. Hundreds of Indian businesses already process on PayTrix.