FREQUENTLY ASKED QUESTIONS

Paywize provides the technology and integration layer that enables businesses to initiate, track, and manage payment workflows through applicable licensed banking and payment partners. The underlying regulated payment services and movement of funds are carried out by the respective licensed partner institutions.

Businesses can track transaction status through the Paywize dashboard, APIs and applicable webhook notifications. Transaction statuses may include initiated, pending, successful, failed or reversed, depending on the relevant payment workflow and partner response. For the final status of an underlying banking transaction, the status received from the applicable banking or payment partner will apply.

If a transaction fails, Paywize provides the available transaction status and response information received through the applicable integration. Depending on the reason for failure, the business may retry the transaction where supported. Any reversal, refund or movement of funds associated with the failed transaction is subject to the applicable banking/payment partner, payment rail and relevant terms.

Paywize provides transaction data, status information, reporting and reconciliation capabilities that help businesses match payment activity with their internal records. APIs, dashboards and webhooks can also be used to automate parts of the reconciliation workflow. The availability of specific reconciliation data depends on the relevant product and partner integration.

Paywize's technology platform supports integrations for payment workflows across available rails and methods such as UPI, IMPS, NEFT, RTGS and other supported payment methods, depending on the product, business eligibility and applicable banking or payment partner. Availability may vary based on partner support and applicable requirements.

A transaction may remain pending while confirmation is awaited from the applicable banking partner or payment network. Businesses should avoid initiating a duplicate transaction until the final status has been confirmed. You can monitor the transaction through the Paywize dashboard or API. If the status remains unresolved, contact Paywize Support with the relevant transaction reference.

No. Paywize operates as a Technology Service Provider (TSP) and provides APIs, integrations and technology infrastructure for payment workflows. Paywize does not independently operate as a bank, payment aggregator or payment system operator, and does not independently hold customer funds as part of the underlying regulated payment service. Where applicable, funds are handled through the relevant licensed banking or payment partner.

A transaction generally cannot be cancelled through Paywize once it has been successfully processed through the applicable banking or payment rail. Refunds, reversals or dispute handling, where available, are subject to the relevant transaction type, licensed partner, applicable payment-network rules and Paywize's Refund & Cancellation Policy.

Paywize enables real-time payout and collection workflows through licensed banking and payment partners. Processing times depend on the selected payment rail and partner institution. Smart routing helps select the most suitable available payment route.

Our bulk payout APIs automate high-volume payout workflows, including salaries, vendor payments, cashbacks, and refunds through licensed banking partners. Batch processing supports thousands of payout instructions in a single run.

There are no hard platform limits. Transaction caps are determined by your banking partner and KYC tier. As your volume grows, we work with you to upgrade limits seamlessly.

Payout instructions can be scheduled for future execution through licensed banking partners. Webhook notifications provide real-time status updates.

Paywize integrates with licensed banking and payment partners supporting UPI (Collect and Intent), IMPS, NEFT, RTGS, UPI QR, Payment Links, and VPA-based collection workflows.

Failed transactions are automatically retried through alternate banking rails via our smart routing engine. If the failure persists, the transaction status is updated automatically and any applicable reversal is processed by the licensed banking or payment partner. You'll receive real-time webhook notifications throughout the process.

Our AI-powered routing engine evaluates success rates, latency, and cost across multiple banking partners in real time. Every transaction is automatically routed through the optimal rail — no manual configuration needed.

Yes, Paywize provides APIs for integrating UPI Autopay mandate workflows through licensed banking and payment partners.

Every transaction runs through enterprise-grade protocols — ISO 27001, PCI DSS Level 1, AES-256 encryption, and role-based access controls. Compliance is automatic, auditable, and continuously monitored.

All data is stored on Indian data centres compliant with RBI data localisation norms. We use AES-256 encryption at rest, TLS 1.3 in transit, and maintain strict access control policies.

Our real-time monitoring system flags suspicious patterns, velocity anomalies, and high-risk transactions. Combined with device fingerprinting and rule-based alerts, fraud is caught before it impacts your business.

Paywize provides technology to automate KYC/KYB, AML, and verification workflows through licensed verification and banking partners, helping businesses streamline compliance processes.

Yes. Paywize designs its technology platform to support integrations that align with applicable RBI guidelines, NPCI protocols, and other regulatory requirements. Regulated financial services are provided by licensed banking and payment partners.

Absolutely. Every transaction, API call, and configuration change is logged with timestamps, user IDs, and IP addresses. Audit logs are available via dashboard export or API for your compliance team.

Yes. Our REST APIs, SDKs, and webhooks are designed for clarity and speed. Whether you're running a custom stack or using platforms like Shopify, integrations are seamless and well-documented.

Yes. Every merchant gets access to a full-featured sandbox that mirrors production. Test transactions, webhook callbacks, and error scenarios without touching real money.

Webhooks deliver real-time event notifications (payment success, failure, refund, etc.) to your registered endpoint. Each payload is signed for verification, with automatic retries on delivery failure.

All API requests use AES-256 payload encryption on top of TLS. You encrypt the request body with your merchant encryption key before sending, and decrypt responses the same way. Our SDKs handle encryption automatically.

Most teams go live within 2–5 days. Our sandbox environment lets you test every flow — payouts, collections, webhooks — before switching to production. Developer support is available throughout.

We provide official SDKs for Node.js, Python, Java, and PHP. Our REST API works with any language that supports HTTP requests, and we provide Postman collections for quick testing.

Standard plans include generous rate limits sufficient for most businesses. High-volume merchants can request elevated limits. All rate-limit headers are included in API responses for transparency.

We offer simple, transparent per-transaction pricing with no hidden fees. Costs vary by payment method and volume. Contact our sales team for a custom quote tailored to your business.

Settlement timelines are determined by the licensed banking or payment partner. Standard settlement schedules are typically T+1, with same-day or faster options available where supported.

Refund processing fees are waived in most cases. Refunds and chargebacks are handled by the applicable licensed banking or payment partner. Paywize provides tools to monitor, reconcile, and manage these workflows.

There are no setup fees. Monthly platform fees depend on your plan tier. We believe in pay-as-you-go simplicity — you only pay for transactions you process.

Yes. We offer tiered pricing for high-volume merchants. As your transaction volume grows, your per-transaction cost decreases. Reach out to sales for volume pricing discussions.

Yes. GST-compliant invoices are generated automatically each billing cycle and available for download from your dashboard. All charges include a clear breakdown of transaction fees and taxes.

Our platform grows with your business. From hundreds to millions of transactions, every flow — collections, payouts, wallets, and ledgers — remains precise, automated, and resilient. No downtime, no surprises.

Log in at app.paywize.in with your registered credentials. The dashboard provides real-time transaction monitoring, analytics, settlement tracking, payout management, and team access controls.

Requirements vary by business type. Sole proprietors need PAN, Aadhaar, and bank details. Companies need incorporation certificates, director KYC, GST registration, and board resolution. Our onboarding team guides you through the process.

We provide email support for all merchants, with priority support and a dedicated account manager for higher-tier plans. Developer support is available for API and integration queries.

Yes. Role-based access control lets you invite team members with specific permissions — from view-only analysts to full-access admins. Every action is logged for accountability.

Start with our support team. If unresolved within 48 hours, escalate to our Grievance Officer. Issues still pending after 15 days can be raised with our Nodal Officer via the grievance redressal page.

Connected banking lets you link multiple bank accounts through a single API. Monitor balances, fetch statements, initiate payment workflows through licensed banking partners and manage virtual accounts — all from one dashboard without logging into each bank separately.

Virtual Account Numbers allow you to create unique virtual account numbers through licensed banking partners for customer or transaction identification. Collections made to these virtual accounts are auto-reconciled and attributed instantly, eliminating manual reconciliation.

When you initiate a payout, Paywize's routing engine evaluates available connected banking partners for the optimal route based on available balance, success rate, cost, and speed. If one bank fails, the transaction automatically fails over to the next available bank.

Paywize supports 30+ banking partners across India including major public, private, and scheduled banks. New bank integrations are added quarterly based on merchant demand.

Yes. Our balance-check API retrieves available balance information from connected banking partners in real time across all your connected bank accounts. You can poll on-demand or set up scheduled checks with webhook notifications for threshold alerts.

No. Paywize is a technology platform that enables businesses to integrate with licensed banking and payment partners through APIs. Regulated financial services—including payment processing, fund transfers, virtual accounts, and banking services—are provided by licensed partner institutions.

We offer three KYC tiers: Basic (PAN + bank verification for low-volume merchants), Standard (full business KYC for moderate volumes), and Enhanced (additional compliance checks for high-volume or regulated entities). Each tier unlocks higher transaction limits.

Absolutely. Begin testing in sandbox immediately after signup. Once your KYC is verified and integration tested, switch to production credentials with zero code changes — just update the API base URL and keys.

Most merchants complete onboarding and go live within 24–48 hours. The timeline depends on KYC document verification speed and the complexity of your integration requirements.

Yes. Every merchant gets instant access to a full-featured sandbox that mirrors production — test payouts, collections, webhooks, and error scenarios with simulated responses before going live.

Our developer support team provides dedicated integration assistance via email, Slack, and scheduled calls. You also get access to detailed API documentation, Postman collections, and code samples in Node.js, Python, Java, and PHP.

Paywize Collections helps businesses initiate UPI payment journeys, receive payment outcomes and simplify payment visibility through one connected workflow.

Yes. Paywize Collections is powered by SabPaisa’s payment infrastructure.

Yes. Customers can complete payments through supported UPI applications.

Yes. Payment references, transaction status and UTR information help simplify reconciliation workflows.

Lending companies, educational institutions, insurers, marketplaces, healthcare providers and enterprises managing customer payment collections.

Yes. Businesses can integrate Paywize Collections using API-based payment initiation and callback-driven payment updates.

Payment outcomes are securely communicated back to your configured business workflow.

Speak with our collections team or review the API documentation to begin your integration.

No. Sandbox provides a controlled testing environment.

Yes. Sandbox lets you simulate invalid VPAs, insufficient balance, timeouts, declines, and other edge cases before you go live.

Yes. Full API documentation and Postman collections are available to accelerate your integration.

Yes. You can trigger and validate webhook delivery, retries, and payloads for every transaction lifecycle state.

Payout, UPI collections, and connected banking flows are all available to test end-to-end inside Sandbox.

Developer support is available via email, along with weekly live office hours for direct guidance from the Paywize team.

Escrow Payout enables businesses to hold funds securely and release them only when predefined business conditions are fulfilled. This helps improve trust, transparency, and control across settlement workflows.

Escrow Payouts are ideal for marketplaces, lending platforms, NBFCs, procurement businesses, staffing companies, transportation and logistics providers, insurance companies, B2B commerce platforms, and enterprises managing high-value transactions.

Yes. Businesses can configure settlement rules based on milestones, approvals, delivery confirmations, verification checks, proof of delivery, or custom business conditions.

Paywize provides real-time transaction tracking, settlement status updates, audit trails, webhook notifications, and automated reconciliation workflows that help businesses monitor every stage of the settlement lifecycle.

Yes. Businesses can configure escrow workflows that release payments after shipment completion, proof of delivery verification, milestone achievement, or predefined logistics conditions are met.

Paywize follows enterprise-grade security standards, role-based access controls, audit logging, reconciliation controls, and governance practices designed for business-critical settlement workflows.

Funds are securely allocated into an escrow account, settlement conditions are defined, and payouts are automatically released once those conditions are verified. Businesses can monitor every stage through real-time tracking and audit logs.

Escrow can support seller settlements, vendor payments, borrower disbursals, milestone-based payments, transporter settlements, procurement workflows, insurance claims, workforce payouts, and other conditional payment use cases.

Funds are released only after agreed conditions are fulfilled. This creates transparency between all parties involved and helps reduce settlement-related disputes, payment disagreements, and operational friction.

Yes. Escrow workflows can support controlled borrower disbursals, verification-based fund releases, compliance-driven workflows, and structured settlement processes commonly required by lending businesses and NBFCs.

Yes. Paywize offers API-first integration capabilities that allow businesses to embed escrow workflows directly into their existing platforms, applications, and operational processes.

Paywize enables payout API activation in as little as 15 minutes*. Our team works closely with businesses to support onboarding, integration, testing, and implementation based on their requirements. *Subject to onboarding, verification, and compliance requirements.