Payout Infrastructure

Move Money at
Enterprise Scale

Automated bulk payouts via IMPS, NEFT, RTGS and UPI — with real-time status tracking, smart retry logic, instant webhook notifications, and automated reconciliation that just works.

₹0Cr+ Monthly Payouts
<0s IMPS Speed
0% Success Rate
0K+ Daily Payouts
RBI Compliant
256-bit SSL
Payout Engine
Live
Business
API
Paylogic
Rail
NPCI
Credit
Bank A/C
IMPS
NEFT
RTGS
UPI

Every Rail, One API

One unified payout API that routes intelligently across all four major payment rails — optimal speed, cost, and success rate for every transaction.

IMPS
Immediate Payment Service
24×7 Instant
  • Sub-3 second credit confirmation
  • Works 365 days — no bank holidays
  • Up to ₹5 lakh per transaction
  • Best for salaries, refunds, incentives
NEFT
National Electronic Funds Transfer
Batch · Scheduled
  • 30-minute settlement batches
  • No upper transaction limit
  • Lower cost for high-volume bulk
  • Ideal for vendor payments, payroll
RTGS
Real Time Gross Settlement
High Value
  • Minimum ₹2 lakh — no upper limit
  • Real-time gross settlement
  • Guaranteed same-day finality
  • B2B enterprise & institutional
UPI
Unified Payments Interface
Instant · Free
  • Instant credit via VPA or account
  • Up to ₹1 lakh per transaction
  • Zero MDR for P2P transfers
  • Cashbacks, rewards, gig payouts

Built for Enterprise Scale

Every feature engineered for reliability, speed, and compliance at millions of transactions per day.

Bulk Payout API
Send thousands of payouts in a single API call — CSV upload, JSON batch, or direct API integration with instant status tracking.
Smart Retry Engine
Automatic failover across rails — IMPS fails? Retry on NEFT. Intelligent routing maximises success rates without manual intervention.
Auto Reconciliation
Real-time reconciliation with UTR matching, daily settlement reports, and export-ready CSVs for your accounting team.
Instant Webhooks
Receive real-time webhook events for every payout state change — initiated, processing, success, failed — with signed payloads.
Beneficiary Vault
Store and verify unlimited beneficiaries with bank account validation (penny drop), IFSC lookup, and UPI handle verification.
Compliance & Controls
AML screening, TDS automation, transaction velocity limits, IP whitelisting, and full audit logs for regulatory compliance.
Bulk Payout Batch
Rahul Kumar IMPS ₹48,500 Done
Priya Sharma NEFT ₹32,000 Done
Metro Corp RTGS ₹5,20,000 Processing
Sunita Rajan UPI ₹8,640 Done
TechZone Pvt NEFT ₹1,85,000 Done
2,480 In Batch
₹12.4Cr Total Amount
99.8% Success
Smart Retry Flow
1
IMPS — Primary Rail
Timeout
2
IMPS — Retry #1
Insufficient funds
3
NEFT — Fallback Rail
Success ✓
Auto-routed to NEFT in 1.2s — beneficiary credited within 30 min.
Reconciliation Dashboard
12,480 Successful
24 Pending
8 Reversed
₹8.2Cr Total Settled
Export CSV
Export PDF
Auto-Match UTR
Webhook Payload
{ "event": "payout.success", "payout_id": "po_9xKmQ3rT", "amount": 48500, "currency": "INR", "rail": "IMPS", "utr": "409823761234", "status": "COMPLETED", "credited_at": 1716912345, "latency_ms": 2340 }
Beneficiary Vault
Add Beneficiary Name, IFSC, Account No. or UPI VPA — encrypted at rest
Penny Drop Verification Auto-verify bank account with ₹1 debit + instant refund
Verified & Stored One-time verification — reuse across all future payouts
Instant Payout Use beneficiary ID in API — no repeated account entry needed
Compliance Controls
AML Screening on every beneficiaryReal-time
TDS Automation (194A/194H/194J)Auto-deduct
Velocity limits per beneficiaryConfigurable
IP Whitelisting & API key rotationSecurity
Full audit log — every transactionImmutable
FEMA & RBI PA guidelinesCompliant

Payouts for Every Business

From gig platforms to enterprise payroll — Paylogic payout infrastructure powers every disbursement use case.

Gig Platform Payout Dashboard
1.2L Drivers Paid Today
₹8.4Cr Daily Disbursement
2.1s Avg Payout Time
Morning batch (6am)42,800 payouts✓ Done
Afternoon batch (2pm)38,200 payouts✓ Done
Evening batch (8pm)39,700 payouts✓ Done
Late night (11pm)5,300 payoutsQueued

Pay Your Gig Workers
Instantly

High-frequency, high-volume payouts for delivery partners, cab drivers, freelancers, and field agents — on any schedule you choose.

Sub-3 Second IMPS End-of-shift payouts in seconds, not hours. Workers see money instantly.
Scheduled Batch Payouts Configure daily, per-shift, or on-demand batch triggers via API or dashboard.
UPI & Bank Flexibility Workers can receive on UPI VPA, bank account, or wallet — their choice.
Talk to Gig Team
Payroll Processing
8,400 Employees Paid
₹24Cr Payroll Amount
99.9% On-time Rate
NEFT Salary Run8,400 employees✓ Completed
TDS Auto-Deducted₹1.2Cr✓ Filed
PF / ESI Credits₹38L✓ Done
Reimbursements₹84LProcessing

Payroll that Never Misses
a Beat

Automate your entire salary disbursement cycle — from HRMS sync to TDS calculation to multi-bank NEFT in one trigger.

Scheduled Salary Runs Schedule monthly, bi-monthly payroll — auto-trigger on calendar date.
TDS Automation Auto-calculate and deduct TDS per slab — no manual errors, form 16 ready.
HRMS Integration Connect Darwinbox, GreytHR, ZingHR, Keka via API — zero data re-entry.
Automate Payroll
Marketplace Seller Settlements
14,200 Sellers Settled
₹18Cr Weekly Settlement
T+1 Settlement Cycle
Commission deducted2.5% marketplace fee✓ Auto
Refund holdback5% reserve✓ Managed
GST TCS deducted1% on net sales✓ Filed
Net settlement₹18Cr disbursed✓ Done

Settle Thousands of Sellers
Automatically

Split payments, deduct commissions, hold refund reserves, and credit sellers — all automated on T+1 or T+2 cycles.

Auto Commission Split Configurable split rules — deduct marketplace fee before crediting sellers.
Refund Reserve Management Hold configurable reserve, release automatically after dispute window.
GST TCS Compliance Auto 1% TCS deduction per CGST Act — filed directly to portal.
Setup Marketplace
Loan Disbursement Engine
3,200 Loans Disbursed/Day
₹42Cr Daily Disbursement
4.2s Disbursal Speed
Personal Loans1,840 disbursed✓ Live
Business Loans428 disbursed✓ Live
Micro-credit932 disbursed✓ Live
Loan-against-salary614 disbursed✓ Live

Disburse Loans in Under 5 Seconds

Instant loan disbursements the moment approval is received — via IMPS directly to borrower's bank account, 24×7.

Real-time Disbursal API-triggered IMPS disbursement — money in borrower's account in seconds.
Account Pre-validation Penny drop verification before disbursement — zero failed credits.
UTR & Confirmation Webhooks Instant UTR confirmation for every loan — LMS integration ready.
Disburse Faster
Winnings & Rewards Payouts
84K Winnings Paid/Day
₹3.2Cr Daily Payouts
1.8s Avg Speed
Fantasy winnings48,200 payouts✓ Instant
Cashback rewards22,400 payouts✓ Done
Referral bonuses9,800 payouts✓ Done
TDS 30% deductedAuto-filed✓ Compliant

Instant Winnings, Happy Players

Fantasy platforms, online gaming, loyalty rewards — pay winnings and cashbacks the instant the game ends.

Micro-payout Support Pay amounts as small as ₹1 via UPI — cashbacks and micro-rewards.
TDS 30% Automation Auto-deduct 30% TDS on winnings above ₹10,000 per Income Tax Act.
High Concurrency Handle thousands of simultaneous winning payouts at tournament end.
Power Winnings

Integrate in Minutes

One clean RESTful API, comprehensive webhooks, and SDKs for every major language — go live fast.

cURL
Node.js
Python
PHP
# Create a payout curl -X POST \ https://api.paylogic.in/v1/payouts \ -H 'Authorization: Bearer YOUR_KEY' \ -H 'Content-Type: application/json' \ -d '{ "amount": 48500, "currency": "INR", "mode": "IMPS", "beneficiary": { "name": "Rahul Kumar", "account": "9876543210", "ifsc": "HDFC0001234" }, "reference_id": "sal_apr_2025_rk" }'
// Paylogic Node.js SDK const Paylogic = require('@paylogic/node'); const client = new Paylogic('YOUR_API_KEY'); const payout = await client.payouts.create({ amount: 48500, currency: 'INR', mode: 'IMPS', beneficiary: { name: 'Rahul Kumar', account: '9876543210', ifsc: 'HDFC0001234' }, reference_id: 'sal_apr_2025_rk' }); console.log(payout.id, payout.status);
# Paylogic Python SDK import paylogic paylogic.api_key = 'YOUR_API_KEY' payout = paylogic.Payout.create( amount=48500, currency='INR', mode='IMPS', beneficiary={ 'name': 'Rahul Kumar', 'account': '9876543210', 'ifsc': 'HDFC0001234' }, reference_id='sal_apr_2025_rk' ) print(payout.id, payout.status)
// Paylogic PHP SDK require 'vendor/autoload.php'; use Paylogic\Client; $client = new Client('YOUR_API_KEY'); $payout = $client->payouts->create([ 'amount' => 48500, 'currency' => 'INR', 'mode' => 'IMPS', 'beneficiary' => [ 'name' => 'Rahul Kumar', 'account' => '9876543210', 'ifsc' => 'HDFC0001234' ], 'reference_id'=> 'sal_apr_2025_rk' ]); echo $payout->id . ' · ' . $payout->status;
Node.js
Python
PHP
Java
Go
REST API

Up & Running Today

Complete integration with sandbox testing, live keys, and first real payout — all in one afternoon.

1
Sign Up & KYC
Create account, complete business KYC — GSTIN, PAN, bank account. Verified in under 2 business days.
2
Get Sandbox Keys
Instant sandbox access — test with mock beneficiaries and simulate all payout rails and edge cases.
3
Integrate & Test
Use any SDK or plain REST. Test bulk uploads, webhook delivery, retry logic, and reconciliation reports.
4
Go Live
Switch to production keys, add balance, and start sending real payouts. Dedicated support for first batch.

Complete Visibility, Zero Surprises

Real-time dashboards, automated reports, and UTR-level tracking for every single payout you send.

Payout Analytics
Today · Live
₹4.8Cr Total Disbursed
18,420 Payouts Sent
99.8% Success Rate
Hourly Payout Volume
6am
8am
10am
12pm
2pm
4pm
6pm
Rahul K. · Salary IMPS ₹48,500 Sent
Metro Corp · Vendor RTGS ₹5.2L Sent
Priya S. · Commission UPI ₹12,800 Sent
TechZone · Invoice NEFT ₹1.85L Processing

Every Rupee, Accounted For

Granular analytics at transaction, batch, rail, and time-period level — with automated exports for finance teams.

📊
Real-time Stats
Live success rate, failure reasons, rail performance — updated every second.
🔍
UTR Tracking
Track every payout to its bank UTR — irrefutable proof of payment delivery.
📤
Auto Reports
Daily CSV/PDF reports auto-emailed to finance — GST, TDS, net settlement breakdown.
🔔
Failure Alerts
Instant email/SMS/Slack alerts on payout failures with actionable retry options.
View Full Dashboard

Bank-grade Security, Built In

Every payout is protected by enterprise-grade encryption, multi-layer fraud controls, and full regulatory compliance.

PCI DSS L1
Highest level of payment card data security compliance — annual third-party audit.
256-bit TLS
All API calls encrypted in transit with TLS 1.3 — no plaintext data ever transmitted.
RBI PA Guidelines
Full adherence to RBI Payment Aggregator guidelines for payout operations in India.
AML Screening
Real-time Anti-Money Laundering screening on every beneficiary against global watchlists.
HMAC Signatures
Every API request and webhook signed with HMAC-SHA256 — zero risk of request forgery.
Data Residency
All transaction data stored on India-based servers — full data localisation compliance.
IP Whitelisting for all API calls
Multi-factor authentication (TOTP + SMS)
Velocity limits per beneficiary & per account
Immutable audit logs — 7 year retention
TDS automation per Income Tax Act
FEMA compliance for cross-border payouts
Real-time fraud detection & blocking
Encrypted beneficiary vault at rest (AES-256)

Live Payouts in 48 Hours

Our onboarding team guides you from KYC to first batch payout in under two business days.

1
Business KYC
Submit GSTIN, PAN, authorised signatory Aadhaar, and bank account details via our secure onboarding portal.
2
Account Approval
Our compliance team reviews and activates your payout account within 1–2 business days with dedicated KAM assignment.
3
Add Balance
Fund your Paylogic payout wallet via NEFT/RTGS from your registered business bank account — minimum ₹10,000.
4
First Payout
Use dashboard for manual payouts or integrate via API. Your KAM assists with the first batch and monitors success.
Documents Required
GSTIN Certificate — Active GST registration for your business
Company PAN Card — Registered PAN matching MCA records
Director Aadhaar + PAN — Authorised signatory identity proof
Cancelled Cheque — Business bank account verification
COI / MOA / AOA — MCA registration documents
Typical onboarding time: 24–48 hours after document submission

Transparent, Volume-Based Pricing

No hidden fees, no monthly subscriptions. Pay only per successful payout — rates drop as your volume grows.

Starter
Growth
For growing businesses, startups, and platforms up to ₹1Cr monthly payout volume.
₹3 per IMPS payout
NEFT ₹2 · UPI ₹1.5
  • IMPS, NEFT, RTGS, UPI
  • Up to 10,000 payouts/day
  • Real-time tracking dashboard
  • Webhooks & email alerts
  • Basic reconciliation reports
  • Email + chat support
  • Smart retry engine
  • Dedicated account manager
Get Started Free
Ultra
Platform
For platforms, NBFCs, and enterprises moving ₹50Cr+ monthly with custom requirements.
Custom negotiated rates
based on volume
  • All Scale features included
  • Lowest negotiated per-payout rate
  • Dedicated NPCI bank partner
  • Custom SLAs & uptime guarantees
  • On-premise deployment option
  • FEMA compliance support
  • AML & audit team access
  • White-label payout solution
Talk to Sales

Start Sending Payouts
At Enterprise Scale

Join India's leading enterprises using Paylogic to disburse salaries, vendor payments, loan disbursals, and gig worker payouts — reliably, at any volume, 24×7.

No setup fees
Live in 48 hours
99.9% SLA guaranteed
24/7 support