Automated Payouts
Infrastructure
Eliminate manual workflows. Dispatch massive batches to vendors, employees, and users instantly via IMPS, NEFT, and RTGS with automated reconciliation.
Live Disbursement
₹4.2
CrVendor Settlement A
₹12,40,000
Gig Fleet Payroll
₹8,50,000
Partner Commission
₹4,20,000
Powerful Capabilities & Key Features
A robust, high-scale payout infrastructure designed to handle massive volumes, automated routing, and instant verifications flawlessly.
Bulk Payouts
Process complex mass payments instantly. Upload a CSV or process arrays via API to execute thousands of transactions concurrently with real-time webhooks.
All Modes
Access India's deepest payment rail networks instantly.
Single Payouts
Instant 1-to-1 disbursements. Perfect for real-time refunds or urgent wages.
Smart Routing
Auto-route transactions through high-success bank nodes natively.
Beneficiary Verification (Penny Drop)
Pre-validate bank accounts and UPI IDs by dropping ₹1 before initiating large transfers. Ensure 0% failed transfers due to wrong accounts.
Payout Links
No account required. Send links via SMS/Email.
Scheduled
Automate future disbursements easily.
Architecture Built for Scale
An intelligent, distributed system that securely moves money from your treasury to millions of beneficiaries across multiple banking networks in milliseconds.
Merchant Integration
Trigger high-volume payouts seamlessly from your existing infrastructure.
UnPay Payouts Switch
The core intelligence engine validates and routes your requests for maximum success.
Direct Banking Rails
Directly pipes into multi-sponsor banking networks guaranteeing 99.9% uptime.
Beneficiary Endpoints
Funds securely delivered to the vendor, user, or employee with deterministic webhook callbacks.
Built for diverse
operations.
Whether you are a hyper-growth marketplace needing speed or an enterprise needing absolute scale, the UnPay Payouts engine adapts directly to your infrastructure.
- Go live internationally in weeks, not months.
- Reduce operational payment costs by up to 60%.
- Automated reconciliation saving 100+ man-hours weekly.
- 99.99% uptime with enterprise-grade encryptions.
Gig Economy
Retain your delivery partners and drivers by paying them instantly after every trip or shift. Eliminate manual processing completely.
Marketplaces & E-Com
Automate settlements to thousands of sellers. Process complex split payments and customer refunds instantly to build trust.
Lending OS
Disburse loans directly to verified borrower bank accounts in seconds. Improve your turnaround time (TAT) effortlessly.
Payroll & InsurTech
Run bi-weekly payroll or settle insurance claims instantly. Pay employees or policyholders automatically via scheduled routing.
Programmatic Control at Scale
Integrate our idempotent REST APIs in hours, not weeks. Designed meticulously for engineering teams with comprehensive SDKs, deterministic webhooks, and absolute sandbox parity.
Idempotency Built-in
Never double-pay. Safe retries guaranteed on timeouts.
Deterministic Webhooks
Get instant payment status callbacks directly to your webhooks.
Comprehensive SDKs
Native libraries for Node.js, Python, Java, Go, and PHP.
// 1. Initialize the UnPay SDK securely
import { UnPay } from '@unpay/node';
const unpay = new UnPay(process.env.UNPAY_SECRET_KEY);
// 2. Create an instant IMPS payout request
const response = await unpay.payouts.create({
amount: 50000.00,
currency: 'INR',
mode: 'IMPS', // Auto-downgrades to NEFT if IMPS fails
beneficiary: {
account_number: '50100234567891',
ifsc: 'HDFC0001234',
name: 'Acme Corp Logistics'
},
purpose: 'vendor_settlement',
idempotency_key: 'inv_789456_settlement'
});
// 3. Request processed instantly
console.log(`Payout Status: ${response.status}`);{
"id": "pout_8x9k2m4n5b",
"object": "payout",
"amount": 50000.00,
"status": "processed",
"utr": "HDFC29837492019",
"created_at": 1709230495
}Maximize efficiency, minimize friction
- Reduce Operations Cost by 40%
- Eliminate Manual Reconciliation errors
- 24/7/365 Availability (Even on Bank Holidays)
- Real-time Status Updates via Webhooks
- Single Dashboard for all Payment Modes
Built on a foundation of Trust
We adhere to the strictest security standards to ensure your corporate funds, sensitive beneficiary data, and transactions are always protected.
ISO 27001
Certified InfoSec management framework and compliance.
AES-256
Military-grade data encryption at rest.
TLS 1.3
Secure data transmission across all APIs.
Fraud Detection
Anomaly detection engines
Data Privacy
Strict PII redaction policy
High Availability
99.99% Guaranteed uptime
Account Validation
Pre-payout account verification
Built for scale, not struggle
Stop dealing with cut-off times, failed files, and opaque error codes. UnPay gives you absolute programmatic control over your funds.
Legacy Banks & Other Providers
- Manual CSV file uploads
- Restricted to banking hours
- No API capabilities
- High failure rates & timeouts
- Opaque error descriptions
- Painful manual reconciliation
UnPay Payouts
- 100% REST API Driven Integration
- Instant 24/7/365 settlement
- Smart routing for 99.99% success
- Scalable up to 5000 TPS
- Instant Webhooks for status updates
- Zero-touch automated reconciliation
Ready to scale your operations?
Join leading enterprises processing crores in payouts daily with UnPay.