Integrate AEPS, DMT, Recharge, BBPS, PAN & Aadhaar Pay into your platform in minutes. Enterprise-grade reliability with 99.9% uptime.
import hashlib, hmac, json, time, requests
API_KEY = "poc_live_..."
PATH = "/ext/v1/dmt/transfer"
BODY = json.dumps({"beneficiary_id": 17,
"amount": 500.00,
"client_reference": "ORD-2026-000123"}).encode()
ts = str(int(time.time()))
msg = f"POST\n{{PATH}}\n{{ts}}\n{{hashlib.sha256(BODY).hexdigest()}}"
sig = hmac.new(API_KEY.encode(), msg.encode(), hashlib.sha256).hexdigest()
response = requests.post(
"https://payonclick.in" + PATH, data=BODY,
headers={
"Authorization": f"Bearer {{API_KEY}}",
"X-Timestamp": ts,
"X-Signature": sig,
})
# ✅ Response: 201 Created
print(response.json())
# {{"success": true, "data": {{"request_id": "VVN1786456576...", "status": "pending"}}}}Everything you need to build powerful fintech applications
Aadhaar Enabled Payment System for cash withdrawal, balance enquiry, and mini statement using biometric authentication.
Domestic Money Transfer API enabling instant fund transfers to any bank account across India via IMPS/NEFT.
Multi-operator recharge API for prepaid, postpaid, DTH, data cards and broadband connections.
Bharat Bill Payment System for electricity, gas, water, insurance, loan EMI and all utility bill payments.
PAN card verification, UTI/NSDL PAN application, correction and PAN to Aadhaar linking services.
Accept payments using Aadhaar number and biometric authentication. Secure merchant payment collection.
Enterprise-grade infrastructure powering India's fintech ecosystem
Average API response time under 200ms. Built on high-performance infrastructure.
256-bit SSL encryption, PCI DSS compliant, SOC 2 certified infrastructure.
Multi-region redundancy with automatic failover and real-time monitoring.
Dedicated technical support team available round the clock via call, email & chat.
Industry-leading commission rates with real-time settlement to your bank account.
RESTful APIs with comprehensive documentation. SDKs for PHP, Python, Node.js & Java.
One key, one signature scheme, one response envelope — across 34 live endpoints. Every example below is a real call you can make today.
Send money to any supported bank account. Idempotent — the same client_reference always returns the same transfer.
sender_token | string | From /sender/verify-otp |
beneficiary_id | int | From /beneficiary/add |
amount | number | Within the limits from GET /balance |
tpin | string | Your account TPIN |
client_reference | string | Your idempotency key |
{
"success": true,
"data": {
"request_id": "VVN178645657668598151B51",
"client_reference": "ORD-2026-000123",
"amount": 500.00,
"charge": 5.00,
"status": "pending",
"duplicate": false
}
}Pay against a bill_token from /bill/fetch. Re-sending the same client_reference replays the original — it never pays twice.
bill_token | string | From /bill/fetch, valid 15 minutes |
amount | number | ₹1 – ₹2,00,000 |
tpin | string | Your account TPIN |
client_reference | string | Your idempotency key |
{
"success": true,
"data": {
"reference_id": "BBPSA2026072918301291a3f1",
"status": "SUCCESS",
"bbps_txn_id": "CC016103CBAC64888712",
"amount": 1102.50,
"biller_name": "Adani Electricity Mumbai Limited",
"duplicate": false
}
}Verify against government sources — bank account, Voter ID, Driving Licence, Vehicle RC, GSTIN and PAN → GSTIN.
client_reference | string | Your idempotency key |
epic_number | string | EPIC number as printed on the card |
name | string | Name to match against the record |
{
"success": true,
"data": {
"client_reference": "KYC-2026-000123",
"service": "voter-id",
"verified": true,
"status": "VALID",
"charge": 4.00,
"duplicate": false
}
}Onboarding once — then straight to production
Create your Payonclick account and tell us which APIs you need.
Submit your business KYC documents and sign the partner agreement. We verify and approve your account.
Generate your API key and build against the live reference — begin with the read endpoints before you move money.
Fund your wallet and start processing real transactions.
A one-time onboarding fee, then you earn on every transaction. Your wallet is prepaid — no monthly bill, no hidden charges.
For businesses going live on our APIs for the first time.
For growing volumes that need better rates and faster support.
For high-volume partners and platforms reselling at scale.
Transaction charges and commission are per service and per slab — ask us for the rate card for the APIs you plan to use.
Launch your own branded fintech platform — fully customized, fully yours
Get a fully branded admin panel, retailer app and distributor dashboard with your company logo, colors and domain. Your customers see only your brand.
We build tailor-made fintech platforms from scratch — multi-level agent networks, wallet systems, commission engines, reporting dashboards and more.
Native mobile applications with biometric integration, push notifications, real-time balance updates and offline transaction support for field agents.
Server setup, SSL, payment gateway integration, API routing, load balancing and 24/7 monitoring — we handle the entire tech stack so you focus on business.
Trusted by 500+ businesses across India
Fill the form and our team will reach out within 24 hours with your API credentials.
Everything you need to know about our fintech API platform