FREQUENTLY ASKED QUESTIONS

Real-time. Payouts via IMPS are processed in seconds, UPI collections settle instantly, and NEFT transfers complete within banking hours. Smart routing ensures the fastest available rail is always selected.

Yes. Our bulk payout engine handles salary disbursals, vendor payments, cashbacks, and refunds at scale — via API or dashboard upload. Batch processing supports thousands of transfers in a single run.

There are no hard platform limits. Transaction caps are determined by your banking partner and KYC tier. As your volume grows, we work with you to upgrade limits seamlessly.

Yes. Our scheduled payout feature lets you set up one-time or recurring payouts for future dates. Payouts are queued and executed automatically at the specified time, with webhook notifications on completion.

We support UPI (collect and intent), IMPS, NEFT, RTGS for payouts, and UPI QR, payment links, and VPA-based collections. New rails are added regularly based on market demand.

Failed transactions are automatically retried through alternate banking rails via our smart routing engine. If the failure persists, funds are reversed to your wallet and you're notified in real time via webhook.

Our AI-powered routing engine evaluates success rates, latency, and cost across multiple banking partners in real time. Every transaction is automatically routed through the optimal rail — no manual configuration needed.

Yes. Paywize supports UPI Autopay mandates for recurring collections like subscriptions, EMIs, and SIPs. You can create, modify, and revoke mandates via API with full lifecycle tracking.

Every transaction runs through enterprise-grade protocols — ISO 27001, PCI DSS Level 1, AES-256 encryption, and role-based access controls. Compliance is automatic, auditable, and continuously monitored.

All data is stored on Indian data centres compliant with RBI data localisation norms. We use AES-256 encryption at rest, TLS 1.3 in transit, and maintain strict access control policies.

Our real-time monitoring system flags suspicious patterns, velocity anomalies, and high-risk transactions. Combined with device fingerprinting and rule-based alerts, fraud is caught before it impacts your business.

From KYC/KYB validation to AML checks and liveness detection, compliance runs silently in the background. You stay audit-ready and can scale operations confidently while the system handles regulations automatically.

Yes. We operate under full compliance with RBI guidelines, NPCI protocols, and the IT Act. Our compliance engine is updated continuously as regulations evolve.

Absolutely. Every transaction, API call, and configuration change is logged with timestamps, user IDs, and IP addresses. Audit logs are available via dashboard export or API for your compliance team.

Yes. Our REST APIs, SDKs, and webhooks are designed for clarity and speed. Whether you're running a custom stack or using platforms like Shopify, integrations are seamless and well-documented.

Yes. Every merchant gets access to a full-featured sandbox that mirrors production. Test transactions, webhook callbacks, and error scenarios without touching real money.

Webhooks deliver real-time event notifications (payment success, failure, refund, etc.) to your registered endpoint. Each payload is signed for verification, with automatic retries on delivery failure.

All API requests use AES-256 payload encryption on top of TLS. You encrypt the request body with your merchant encryption key before sending, and decrypt responses the same way. Our SDKs handle encryption automatically.

Most teams go live within 2–5 days. Our sandbox environment lets you test every flow — payouts, collections, webhooks — before switching to production. Developer support is available throughout.

We provide official SDKs for Node.js, Python, Java, and PHP. Our REST API works with any language that supports HTTP requests, and we provide Postman collections for quick testing.

Standard plans include generous rate limits sufficient for most businesses. High-volume merchants can request elevated limits. All rate-limit headers are included in API responses for transparency.

We offer simple, transparent per-transaction pricing with no hidden fees. Costs vary by payment method and volume. Contact our sales team for a custom quote tailored to your business.

Standard settlement is T+1 (next business day). Same-day and instant settlement options are available based on your plan. Settlement schedules are fully transparent in your dashboard.

Refund processing fees are waived in most cases. Chargebacks are debited from your settlement balance. Our dispute management tools help you track and respond to chargebacks efficiently.

There are no setup fees. Monthly platform fees depend on your plan tier. We believe in pay-as-you-go simplicity — you only pay for transactions you process.

Yes. We offer tiered pricing for high-volume merchants. As your transaction volume grows, your per-transaction cost decreases. Reach out to sales for volume pricing discussions.

Yes. GST-compliant invoices are generated automatically each billing cycle and available for download from your dashboard. All charges include a clear breakdown of transaction fees and taxes.

Our platform grows with your business. From hundreds to millions of transactions, every flow — collections, payouts, wallets, and ledgers — remains precise, automated, and resilient. No downtime, no surprises.

Log in at app.paywize.in with your registered credentials. The dashboard provides real-time transaction monitoring, analytics, settlement tracking, payout management, and team access controls.

Requirements vary by business type. Sole proprietors need PAN, Aadhaar, and bank details. Companies need incorporation certificates, director KYC, GST registration, and board resolution. Our onboarding team guides you through the process.

We provide email support for all merchants, with priority support and a dedicated account manager for higher-tier plans. Developer support is available for API and integration queries.

Yes. Role-based access control lets you invite team members with specific permissions — from view-only analysts to full-access admins. Every action is logged for accountability.

Start with our support team. If unresolved within 48 hours, escalate to our Grievance Officer. Issues still pending after 15 days can be raised with our Nodal Officer via the grievance redressal page.

Connected banking lets you link multiple bank accounts through a single API. Monitor balances, fetch statements, initiate payments, and manage virtual accounts — all from one dashboard without logging into each bank separately.

Virtual Account Numbers allow you to create unique bank account numbers for each customer or transaction. Collections made to these virtual accounts are auto-reconciled and attributed instantly, eliminating manual reconciliation.

When you initiate a payout, our engine evaluates all connected banks for the optimal route based on available balance, success rate, cost, and speed. If one bank fails, the transaction automatically fails over to the next available bank.

Paywize supports 30+ banking partners across India including major public, private, and scheduled banks. New bank integrations are added quarterly based on merchant demand.

Yes. Our balance-check API returns real-time balances across all your connected bank accounts. You can poll on-demand or set up scheduled checks with webhook notifications for threshold alerts.

Most merchants complete onboarding and go live within 24–48 hours. The timeline depends on KYC document verification speed and the complexity of your integration requirements.

Yes. Every merchant gets instant access to a full-featured sandbox that mirrors production — test payouts, collections, webhooks, and error scenarios with simulated responses before going live.

Our developer support team provides dedicated integration assistance via email, Slack, and scheduled calls. You also get access to detailed API documentation, Postman collections, and code samples in Node.js, Python, Java, and PHP.

We offer three KYC tiers: Basic (PAN + bank verification for low-volume merchants), Standard (full business KYC for moderate volumes), and Enhanced (additional compliance checks for high-volume or regulated entities). Each tier unlocks higher transaction limits.

Absolutely. Begin testing in sandbox immediately after signup. Once your KYC is verified and integration tested, switch to production credentials with zero code changes — just update the API base URL and keys.