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Pay-in Infrastructure
Accept and route UPI, cards, net banking, QR, virtual accounts, and approved collection channels.
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Secure, scalable, and smart connected banking for banks, fintech companies, payment providers, partners, and merchants.
One technology layer for connected banking, collections, payouts, settlement, reconciliation, merchant operations, and payment orchestration — built for modern banking and payment ecosystems.
View All ServicesAccept and route UPI, cards, net banking, QR, virtual accounts, and approved collection channels.
Manage NEFT, RTGS, IMPS, and UPI payouts with approval workflows and tracking.
Connect merchant platforms with bank payment hubs through secure enterprise APIs.
Match collections, bank credits, fees, refunds, payouts, and settlement exceptions.
Configure reserves, commissions, split logic, vendor settlements, and settlement cycles.
Route transactions across providers using real-time rules, health checks, and priorities.
Your financial operations, powered by intelligent technology tools — one console for transactions, providers, reports, and alerts.
REST APIs, signed webhooks, idempotency, role-based access, sandbox testing, and transaction-level traceability.
Request API KitPOST /v1/payments
{
"merchant_id": "MRC_100284",
"order_id": "ORD_984120",
"amount": 25000,
"currency": "INR",
"channel": "UPI_INTENT"
}
{
"status": "initiated",
"transaction_id": "TXN_728193"
}Enterprise security for regulated financial operations — secure API access, data protection, risk controls, monitoring, incident management, and business continuity.
Signed requests, scoped API keys, IP allowlisting, and TLS on every endpoint.
AES-256 encryption at rest, tokenised sensitive data, and strict retention windows.
Role-based access with least privilege, MFA for privileged users, and change approvals.
Transaction-level audit trails, anomaly alerts, and provider health checks.
Defined severity levels, on-call escalation, and root-cause reviews after every incident.
Multi-zone failover with recovery objectives tested on a fixed schedule.
Discuss your bank API, merchant portal, pay-in, payout, settlement, or orchestration requirements with our technology team.
Prefer email or phone? Write to shopiva@atomicmail.io or call +91 99793 51156
Shopiva Private Limited
Registered Office: Unit No. A-203, 204, "Kotia Nirman" Commercial, Andheri, Mumbai, Maharashtra – 400053, India
CIN: U46498MH2026PTC470575