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Unified DisbursementsThrough Connected Banking

A robust Connected Banking layer is an architectural bridge that links your business's ERP or financial systems directly to the core banking systems of India's largest banks (like SBI, IDFC First Bank, ICICI, Yes Bank, Axis, and Kotak). It enables real-time and bulk payouts directly from your system without ever logging into a traditional bank portal.

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Instant Disbursement APIs

Real-time payouts, available 24x7

Send money instantly using IMPS, NEFT, or RTGS with always-on availability. Trigger payouts directly via APIs or dashboards for vendors, partners, and customers.

Key Capabilities

Real-time transfers across IMPS, NEFT & RTGS
24x7 payout availability
API-based and dashboard-based initiation
Support for vendor, partner, and customer payouts
Real-time payouts, available 24x7

Bulk Payment Processing

High-volume payouts with full control. Process large batches of payments efficiently while maintaining governance and visibility. Ideal for salaries, vendor settlements, refunds, and dividend payouts.

Key Capabilities

Bulk upload support for salaries, invoices, refunds, and dividends
Maker-Checker approval workflows
Batch-level and transaction-level reporting
Audit-ready payout records
Bulk Payment Processing

Smart Refunds Management

Fast, flexible refunds without manual effort. Automate refund handling for failed or reversed transactions while ensuring a smooth customer experience.

Key Capabilities

Instant refunds for failed or reversed payments
Refunds routed to original source (card/bank)
Option for instant bank transfer refunds
Ideal for e-commerce and on-demand platforms
Smart Refunds Management
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Virtual Accounts for Reconciliation

Simplify reconciliation at scale

Use virtual account numbers to automatically track incoming and outgoing funds,

reducing reconciliation effort across systems.

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Split Payments & Marketplace Settlements

Built for multi-party fund flows

Enable seamless settlements for marketplaces and aggregator models

with automated fund splitting and commission handling.

Beneficiary Verification (Penny Drop)

Beneficiary Verification

Verify before you pay

Reduce payout failures by validating beneficiary details before initiating transfers. Ensure accuracy and trust with built-in bank and UPI verification.

Key Capabilities

  • Bank account existence validation
  • Account holder name verification
  • Batch-level and transaction-level reporting
  • Reduced failed or misdirected payouts

Why Connected Banking with PayYantra

PayYantra
  • Centralized control over all payout flows
  • Secure, compliant, and scalable architecture
  • Designed for high-volume, real-world use cases
  • Works seamlessly with your existing systems
  • Built for regulated environments and long-term growth