Unified Connected
Banking Infra
The definitive bridge between your enterprise and the banking core. Secure, normalized APIs for payouts, reconciliation, and treasury management.
Direct Integration with
Major Banks
Stop managing individual bank relationships. Our platform provides a single, normalized API layer to interact with India's largest financial institutions for balance fetching, transfers, and real-time reconciliation.
- Native Host-to-Host (H2H) connections
- Yes Bank & KVB Live Integration
- Zero manual file uploads or CSV processing
- Multi-bank escrow and current account management
Native H2H connectivity for high-speed transaction processing and deep core integration.
Supports major Private & PSU Banks
Product Capabilities
A modular suite of banking APIs designed to automate your financial operations, from simple transfers to complex multi-bank reconciliation.
Enterprise Payouts
Process thousands of transfers via IMPS, NEFT, and RTGS simultaneously. Smart routing ensures 99.9% success rates even during peak bank downtimes.
Statement Intel
Automated AI-driven analysis of bank statements for real-time credit underwriting and spend patterns.
Auto-Recon
Instant VPA-to-Ledger matching.
Normalized APIs
Single API for all bank protocols.
Enterprise-Grade Security
Built on multi-layer encryption, automated threat detection, and localized data isolation for maximum reliability.
How It Works
Our cloud-native infrastructure acts as a high-performance bridge between your business logic and the complex core banking networks.
Omni-Channel Integration
Connect via standard REST APIs, specialized SDKs, or deep Host-to-Host (H2H) bridges.
UnPay Engine Processing
Our core infrastructure handles multi-bank routing, authentication, and ledger management.
Bank Core Execution
Final settlement happens at the bank core via direct clearing protocols.
Built for every business model.
Whether you are a startup needing speed or an enterprise needing scale, UnPay's Connected Banking stack adapts to your needs.
- Go live in weeks, not months.
- reduce operational costs by up to 60%.
- Automated reconciliation saving 100+ man-hours.
- 99.99% uptime with bank-grade security.
Enterprise & MNCs
Centralized treasury management for multi-entity businesses. Automate vendor payments and consolidate bank balances in real-time.
NBFCs & MFIs
Streamline the entire lending lifecycle. Automated loan disbursals, EMI collections, and real-time bank statement analysis.
Payroll & HRTech
Enable instant salary disbursals and automated tax compliance. Manage employee reimbursements via specialized virtual accounts.
Marketplaces & E-com
Manage complex vendor payouts and automated split-payments. Use virtual accounts for automated order-to-ledger reconciliation.
Built for Regulated
Financial Services
We maintain the highest levels of security and regulatory compliance, giving you the peace of mind to focus on building your core product.
Direct Connectivity
Direct native Host-to-Host (H2H) connections with major bank cores for zero-latency execution.
AES-256 Encryption
End-to-End encryption for all sensitive banking data payloads both in transit and at rest.
Threat Detection
Real-time automated monitoring and immediate response systems for all infrastructure layers.
Data Residency
100% India-hosted infrastructure ensuring full data sovereignty and local data processing.
Security Audited
Regular perimeter scanning and deep security auditing of all API endpoints and internal systems.
Designed for Developers,
Built for Finance
We've rewritten the banking integration playbook. See why the most ambitious fintechs choose UnPay over legacy aggregators.
Legacy Aggregators
Fragmented Integration
- 3-6 Month implementation cycles
- Third-party middleware overheads
- Delayed transaction callbacks (2-5 mins)
- Limited multi-bank reconciliation
- Manual file-based onboarding processes
- Fragmented error codes across banks
UnPay Direct OS
Native Connectivity
- Native Host-to-Host (H2H) speed
- Zero middleware dependency
- Real-time webhooks (< 500ms)
- Unified AI-driven reconciliation
- Instant, fully digital onboarding
- Standardized ISO 20022 compliant APIs
Ready to transform finance?
Join thousands of fintechs and enterprises building the future of financial services with UnPay.