Payin - collect every rupee reliably

Accept UPI, cards, netbanking, wallets, and EMI with unified APIs built for Indian businesses. One integration, every channel.

Payment channels

Eight rails, one API — indicative MDR from your Paymesh commercial schedule.

Most used

UPI

QR, intent, and collect requests with real-time webhooks.

Low MDR

Debit Card (Domestic)

RuPay, Visa, and Mastercard debit with low domestic MDR.

0.4%

Cards

Credit Card (Domestic)

Issuer coverage with EMI and tokenized saved cards.

Banks

Net Banking

50+ PSU and private banks with IFSC validation.

1.5% + ₹6

Wallets

Paytm, PhonePe, and major wallets through one API.

1.8%

EMI

Card and cardless EMI plans at checkout.

2.5%

BNPL

Partner BNPL with risk-aware routing rules.

Global

International Cards

Cross-border cards with FX-ready reporting.

3.5%

Most used

UPI

QR, intent, and collect requests with real-time webhooks.

Low MDR

Debit Card (Domestic)

RuPay, Visa, and Mastercard debit with low domestic MDR.

0.4%

Cards

Credit Card (Domestic)

Issuer coverage with EMI and tokenized saved cards.

Banks

Net Banking

50+ PSU and private banks with IFSC validation.

1.5% + ₹6

Wallets

Paytm, PhonePe, and major wallets through one API.

1.8%

EMI

Card and cardless EMI plans at checkout.

2.5%

BNPL

Partner BNPL with risk-aware routing rules.

Global

International Cards

Cross-border cards with FX-ready reporting.

3.5%

How payin works

Intent & order

Your server creates a payment session with amount, currency INR, customer reference, and metadata.

Customer pays

The customer selects a channel on hosted checkout or completes an in-app SDK flow.

Authorize & capture

Paymesh confirms authorization with issuers and acquirers in real time.

Webhook & settle

Signed webhooks notify your systems; settlement follows your configured payout schedule.

Engineered for uptime and approvals

Smart routing

Route transactions across acquirers to balance success rates and resilience.

Paymesh

Route: acquirer_b

Realtime webhooks

Signed payloads for authorized, success, failed, and refunded events.

Paymesh

event: payment.captured

Hosted & embedded flows

Keep PCI scope tight with redirects or embedded checkout components.

Paymesh

checkout: hosted

Reconciliation

Merchant dashboard exports and nightly settlement summaries.

Paymesh

settlement: T+1

Risk controls

Velocity limits, device fingerprinting, and issuer decline analytics.

Paymesh

risk: pass

Retries & recovery

Intelligent retry logic for soft declines without duplicate charges.

Paymesh

retry: scheduled

Integrate in Minutes

Go from API keys to live payments with a developer-first workflow.

paymesh — create_order.php

// PHP — create order
$client = new \Paymesh\Client('pk_live_xxxx');

$order = $client->orders->create([
    'amount'           => 50000,
    'currency'         => 'INR',
    'receipt'          => 'order_001',
    'payment_capture'  => true,
]);

// $order->id → order_PxKrNqXxYz

// Node.js — create order
const Paymesh = require('paymesh');
const client = new Paymesh({ key: 'pk_live_xxxx' });

const order = await client.orders.create({
  amount: 50000,
  currency: 'INR',
  receipt: 'order_001',
  payment_capture: true,
});

// order.id → order_PxKrNqXxYz

# Python — create order
import paymesh

client = paymesh.Client(api_key="pk_live_xxxx")

order = client.orders.create(
    amount=50000,
    currency="INR",
    receipt="order_001",
    payment_capture=True,
)

# order["id"] → order_PxKrNqXxYz

// Java — create order
PaymeshClient client = new PaymeshClient("pk_live_xxxx");

OrderCreateRequest req = OrderCreateRequest.builder()
    .amount(50000L)
    .currency("INR")
    .receipt("order_001")
    .paymentCapture(true)
    .build();

Order order = client.orders().create(req);
// order.getId() → order_PxKrNqXxYz

// C# — create order
var client = new PaymeshClient("pk_live_xxxx");

var order = await client.Orders.CreateAsync(new OrderCreateOptions {
    Amount = 50000,
    Currency = "INR",
    Receipt = "order_001",
    PaymentCapture = true,
});

// order.Id → order_PxKrNqXxYz

// Go — create order
client := paymesh.NewClient("pk_live_xxxx")

order, err := client.Orders.Create(&paymesh.OrderParams{
    Amount:          50000,
    Currency:        "INR",
    Receipt:         "order_001",
    PaymentCapture:  paymesh.Bool(true),
})
// order.ID → order_PxKrNqXxYz

POST /v1/orders HTTP/1.1
Host: api.paymesh.in
Authorization: Bearer pk_live_xxxx

{
  "amount": 50000,
  "currency": "INR",
  "receipt": "order_001",
  "payment_capture": true
}

// Response
{
  "id": "order_PxKrNqXxYz",
  "status": "created",
  "amount": 50000,
  "currency": "INR"
}

Live transaction dashboard

Monitor payin volume, success rates, and instrument mix from one merchant console.

Paymesh - Payin Live

Order ID	Instrument	Amount	Status	Time
ord_8f2a91	UPI	₹2,499.00	Success	2 min ago
ord_7c4b22	Debit Card	₹14,900.00	Success	8 min ago
ord_9d1e55	Net Banking	₹8,750.00	Pending	12 min ago
ord_3a8f77	Wallet	₹599.00	Success	18 min ago
ord_5b2c10	Credit Card	₹32,400.00	Success	24 min ago

Indicative payin pricing

UPI

T+1 settlement

Debit Card (Domestic)

0.4%

T+1 settlement

Credit Card (Domestic)

T+1 settlement

Net Banking

1.5% + ₹6

T+1 settlement

Wallets

1.8%

T+1 settlement

EMI

2.5%

T+1 settlement

BNPL

T+1 settlement

Final commercials depend on underwriting. See Pricing for the full rate sheet.

Ready to Connect Your Payments?

Share your sandbox requirements - our integrations team replies within one business day at support@paymesh.in.

Start Integration Request Demo