Payment Gateway

Accept Payments
Everywhere, Instantly

One API integration to accept UPI, Cards, Net Banking, Wallets, EMI, and more. Built for India's fastest-growing businesses with enterprise-grade security and real-time settlement.

0% Uptime SLA
0s avg Settlement Time
0+ Payment Modes
0K+ Merchants
paylogic-gateway · live-transactions Live
₹4.8Cr Today's Vol
98.7% Success Rate
1,284 Active TXNs
PCI DSS L1
256-bit SSL
UPI 2.0

Every Way Your Customer Pays

From UPI to international cards — support every payment method your customers prefer with a single integration.

UPI
Instant bank-to-bank payments via Google Pay, PhonePe, BHIM & all UPI apps
UPI 2.0 Auto-pay Intent
Cards
Visa, Mastercard, RuPay, Amex — debit & credit with 3D Secure authentication
Visa Mastercard RuPay
Net Banking
Direct bank transfers from 120+ Indian banks including SBI, HDFC, ICICI, Axis
120+ Banks Secure
Wallets
Paytm, PhonePe, Amazon Pay, Mobikwik, Freecharge and all major digital wallets
Paytm Amazon Pay
BNPL
Buy Now Pay Later with Simpl, ZestMoney, LazyPay — zero-friction checkout
Simpl LazyPay
EMI
Cardless & card EMI options — 3, 6, 9, 12, 18, 24 month tenures from leading banks
No-cost EMI Cardless
International
Accept payments from 100+ countries with multi-currency settlement and FX management
100+ Countries Multi-FX
Prepaid Cards
Corporate & consumer prepaid cards via co-branded programs with all major card networks
Corporate Co-branded

Built for High-Performance Commerce

Every feature engineered to maximise payment success, minimise friction, and keep your business secure.

Smart Checkout
Pre-built, conversion-optimised checkout pages with saved card memory, one-click repeat payments, and intelligent method ranking per customer.
  • Saved card / UPI / wallet memory
  • One-click checkout for repeat users
  • Custom branding & white-label
  • Mobile-first responsive UI
Retry Intelligence
AI-powered smart retry engine that automatically routes failed transactions through the optimal bank/PSP combination to recover revenue.
  • Automatic fallback routing
  • Bank-level failure analysis
  • Up to 15% revenue recovery
  • Real-time retry notifications
Fraud Detection
Multi-layer ML fraud prevention with velocity checks, device fingerprinting, and real-time risk scoring on every transaction.
  • ML-powered risk scoring
  • Device fingerprinting
  • Velocity & pattern checks
  • Custom rule builder
Real-Time Settlement
Instant settlement to your bank account with T+0 and T+1 options. Granular reconciliation with transaction-level visibility in your dashboard.
  • T+0 / T+1 settlement options
  • Auto-reconciliation reports
  • NEFT / IMPS / RTGS payout
  • Sub-merchant settlement
Webhooks & Alerts
Instant real-time webhooks with event-based notifications for every payment state. Configurable retry logic for missed events.
  • Sub-second webhook delivery
  • All payment lifecycle events
  • Configurable retry (3x)
  • Delivery logs & dashboard
Analytics & Reporting
Real-time dashboards with payment funnel analytics, failure reason breakdowns, method-wise performance, and custom report exports.
  • Funnel & conversion analytics
  • Failure reason classification
  • CSV / XLSX export
  • API-accessible data

Payment Lifecycle

From customer click to settled funds — every step engineered for speed, security, and reliability.

Customer
Initiates
<0.1s
Checkout
Rendered
<0.3s
Paylogic
Gateway
<0.5s
Bank /
PSP Auth
<1.5s
Auth
Verified
<0.2s
Payment
Settled
Avg total time: < 2 seconds
98.7% first-attempt success rate
Real-time webhook on every state
Smart retry on soft declines
REST API
# Create a payment order
curl -X POST https://api.paylogic.in/v1/orders \
  -H "Authorization: Bearer pk_live_xxxxxxxxxxxx" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 49900,
    "currency": "INR",
    "receipt": "order_rcpt_001",
    "notes": {
      "merchant_id": "MID_12345",
      "customer_id": "CUST_789"
    }
  }'

# Response
{
  "id": "order_PLG9xK2mHd",
  "amount": 49900,
  "currency": "INR",
  "status": "created",
  "checkout_url": "https://checkout.paylogic.in/..."
}
// Install: npm install paylogic-node
const Paylogic = require('paylogic-node');

const client = new Paylogic({
  apiKey: 'pk_live_xxxxxxxxxxxx',
  secret: 'sk_live_xxxxxxxxxxxx'
});

async function createOrder() {
  const order = await client.orders.create({
    amount: 49900,
    currency: 'INR',
    receipt: 'order_rcpt_001'
  });
  console.log(order.checkout_url);
}
createOrder();
# Install: pip install paylogic-python
import paylogic

client = paylogic.Client(
    api_key="pk_live_xxxxxxxxxxxx",
    secret="sk_live_xxxxxxxxxxxx"
)

order = client.orders.create({
    "amount": 49900,
    "currency": "INR",
    "receipt": "order_rcpt_001",
    "notes": {
        "customer_id": "CUST_789"
    }
})

print(order["checkout_url"])
<?php
// Install: composer require paylogic/paylogic-php
use Paylogic\Client;

$client = new Client([
    'api_key' => 'pk_live_xxxxxxxxxxxx',
    'secret'  => 'sk_live_xxxxxxxxxxxx'
]);

$order = $client->orders->create([
    'amount'   => 49900,
    'currency' => 'INR',
    'receipt'  => 'order_rcpt_001'
]);

echo $order->checkout_url;

Integrate in Under 30 Minutes

Designed for developers — clean REST APIs, comprehensive SDKs, sandbox environment, and detailed documentation.

1
Create API Keys
Sign up, verify your business, and get your test + live API keys from the dashboard instantly.
2
Create an Order
One API call to create an order with amount, currency, and metadata. Get a checkout URL back immediately.
3
Handle Webhooks
Register a webhook endpoint to receive real-time payment confirmations, failures, and refund events.
4
Go Live
Switch from test to live keys, complete KYC verification, and start accepting real payments in minutes.
Node.js Python PHP Java React Android iOS REST API
Payment Analytics Last 7 days
₹4.8Cr Total Volume
98.7% Success Rate
24,839 Transactions
Daily Transaction Volume
Mon
Tue
Wed
Thu
Fri
Sat
Sun
UPI 46%
Cards 31%
Net Banking 15%
Wallets 8%
Mix

Know Every Rupee Moving

Real-time visibility into every transaction, failure reason, and conversion rate — so you can optimise continuously.

📊
Funnel Analytics
See exactly where customers drop off — by method, device, and time of day.
🔍
Failure Analysis
Classify every decline by reason code — bank decline, network error, fraud block.
Real-time Dashboard
Live transaction feed, success rates, and volume charts refreshing every 10 seconds.
📤
Custom Reports
Schedule automated reports in CSV / XLSX delivered to your inbox daily or weekly.
Explore Analytics

Powering Every Industry Vertical

Purpose-built payment flows for your specific business model and compliance needs.

E-commerce

Convert More Shoppers
Into Buyers

Reduce cart abandonment with saved payment methods, one-click checkout, and COD + prepaid split — all from a single integration that plugs into Shopify, WooCommerce, Magento, and custom stores.

  • Saved cards & UPI for one-click repeat checkout
  • COD verification + prepaid nudge engine
  • Shopify, WooCommerce & Magento plugins
  • EMI on cart value — no bank partnership needed
  • Automated refunds with RTO handling
Get E-commerce Setup
E-commerce Results
+23% Checkout Conversion
-18% Cart Abandonment
1-click Repeat Checkout
T+1 Settlement
SaaS / Subscriptions

Automate Recurring
Revenue Collection

Build subscription billing with automatic mandate creation via UPI AutoPay and NACH, smart dunning for failed payments, and prorated upgrades — without writing billing logic from scratch.

  • UPI AutoPay & NACH mandates
  • Auto-retry & smart dunning
  • Proration on plan upgrades/downgrades
  • MRR / ARR analytics dashboard
  • Dunning email automation
Explore Subscriptions
SaaS Metrics
94% Mandate Success
-31% Churn from Failed Pay
Auto Dunning Retry
3x Faster Reconciliation
EdTech

Remove Friction from
Fee Collection

Handle bulk fee collection, scholarship adjustments, EMI on course fees, and international student payments with complete GST-compliant receipting and reconciliation.

  • Batch fee collection & receipts
  • EMI on course fees (no-cost EMI)
  • International student payment support
  • GST-compliant invoicing
  • ERP / LMS integration APIs
EdTech Payment Setup
EdTech Impact
98% Collection Rate
0 Manual Reminders
EMI No-Cost Available
GST Compliant Receipts
HealthTech

Secure Payments for
Healthcare Platforms

HIPAA-aware payment flows for teleconsultation, OPD billing, lab bookings, and insurance co-pay — with patient identity verification and audit-ready transaction logs.

  • OPD & teleconsultation billing
  • Insurance co-pay & TPA workflows
  • Prescription-linked payment links
  • Audit-ready transaction logs
  • HMIS / HMS integration APIs
HealthTech Payment Setup
Healthcare Metrics
99% Uptime for Critical Pay
HIPAA Aware Flows
TPA Insurance Support
24/7 Payment Availability
Travel & IRCTC

High-Volume Ticketing
& Travel Payments

Handle peak-load ticketing payments with auto-refund on cancellation, dynamic surcharge management, and agent-level sub-merchant settlement for travel networks.

  • High-concurrency payment processing
  • Auto-refund on ticket cancellation
  • Agent sub-merchant settlement
  • Dynamic convenience fee engine
  • GDS / OTA integration support
Travel Payment Setup
Travel Stats
5000+ TXN/min Peak
Auto Cancellation Refund
Multi Agent Settlement
<2s Avg Payment Time

Enterprise-Grade
Security

Every transaction is protected by multi-layer security infrastructure meeting the highest global standards.

  • PCI DSS Level 1 certified — the highest level for cardholder data security. All card data encrypted, tokenised, and never stored on merchant servers.
  • 256-bit TLS encryption on all API communications. At-rest encryption via AES-256 for stored data with rotating keys.
  • 3D Secure 2.0 on all card transactions with frictionless flow for low-risk and challenge flow for high-risk — maximising approval rates.
  • Real-time fraud scoring on 200+ parameters per transaction with configurable rules and auto-block on high-risk patterns.
  • ISO 27001 information security management. Annual penetration tests by CERT-In empanelled auditors.
View Full Security Details
PCI DSS
Level 1 Certified
256-bit SSL
TLS Encrypted
ISO 27001
Info Security
3D Secure
v2.0 Enabled
AI Fraud
ML Risk Engine
SOC 2 Type II
Audit Ready

Simple, No-Surprise Rates

No hidden fees, no setup charges. Pay only per successful transaction. Volume discounts available for enterprise.

Starter
Standard
Best for startups & early-stage businesses accepting online payments.
1.9 % per successful
transaction
  • UPI & Wallets — 1.9%
  • Debit Cards — 1.9%
  • Credit Cards — 2.4%
  • Net Banking — ₹14 flat
  • T+2 settlement
  • Standard support (email)
  • Custom checkout UI
  • Dedicated account manager
Get Started Free
Enterprise
Custom
For high-volume businesses needing custom rates, SLAs, and dedicated infrastructure.
Talk to us for
custom rates
  • Volume-based negotiated rates
  • T+0 instant settlement
  • 99.99% uptime SLA
  • Dedicated infra & DR
  • Dedicated account manager
  • 24/7 phone + on-site support
  • Custom integrations & APIs
  • SLA-backed support contracts
Contact Sales

Ready to Accept Payments
the Smart Way?

Join 10,000+ businesses already using Paylogic Gateway. Set up in under 30 minutes, go live today, and start converting more customers with India's most reliable payment infrastructure.

No setup fee
Instant sandbox access
PCI DSS L1 secure
24/7 developer support