Paymesh is an India-focused payment gateway that helps businesses accept UPI, cards, netbanking, and wallets, and disburse payouts through unified APIs and dashboards.

How fast is settlement with Paymesh?

Domestic payin typically settles on a T+1 cycle. Enterprise merchants may qualify for accelerated settlement windows after risk review.

Does Paymesh support UPI payments?

Yes. Paymesh supports UPI QR, collect requests, intent flows, and roadmap AutoPay capabilities with transparent pass-through of RBI-mandated pricing.

Can I integrate without an SDK?

Yes. You can start with REST APIs and webhooks. Official SDKs are available for PHP, Node.js, Python, Java, .NET, and Go.

Is there a sandbox for testing?

Paymesh provides sandbox API keys so you can simulate success, failure, and webhook delivery before going live.

What documents are required to go live?

Merchants complete KYC with business registration, PAN, GSTIN, bank proof, and authorised signatory ID as part of underwriting.

How does Paymesh pricing compare to legacy PSPs?

Paymesh publishes transparent rate sheets without hidden BIN arbitrage. See the pricing page for indicative MDR and payout fees.

Does Paymesh handle data residency for India?

Processing and storage follow applicable RBI PSP and PA directions. Enterprise agreements can document region-specific data flows.

Enterprise Payment Network — India

Enterprise Payment Infrastructure. Built to Scale.

Connect across a multi-PSP network with seamless merchant ecosystem integration, real-time webhooks, and T+1 settlement.

Start Integration Request Demo

Network Redundancy Enterprise SLA Zero Setup Cost

UPI

Cards

NetBanking

Paymesh

Banks

Merchants

Dashboard

NPCI Certified Network RBI Compliant Ready PCI DSS Architecture 256-bit Encryption IMPS Enabled UPI Integrated Visa & Mastercard Bank-grade Infrastructure NPCI Certified Network RBI Compliant Ready PCI DSS Architecture 256-bit Encryption IMPS Enabled UPI Integrated Visa & Mastercard Bank-grade Infrastructure

₹500Cr+

Payment Volume Processed

API Uptime SLA

Payment Methods

T+1

Settlement Cycle

Every Payment Method. One Network.

Paymesh unifies every rail behind one connected API mesh.

0% MDR eligible

UPI QR & Intent

Static and dynamic QR, deeplinks, and collect requests with sub-3s webhooks.

From 0.40%

Domestic Cards

Visa, Mastercard, RuPay with tokenized saved cards and EMI.

1.50%

Net Banking

Tier-A PSU and private bank coverage with IFSC validation.

1.80%

Wallets & BNPL

Paytm, PhonePe wallets plus LazyPay and cardless EMI flows.

UPI QR & Intent

Static and dynamic QR, deeplinks, and collect requests with sub-3s webhooks.

Domestic Cards

Visa, Mastercard, RuPay with tokenized saved cards and EMI.

Net Banking

Tier-A PSU and private bank coverage with IFSC validation.

Wallets & BNPL

Paytm, PhonePe wallets plus LazyPay and cardless EMI flows.

Built for Enterprise Scale

Connected payment infrastructure designed for Indian enterprises scaling to national volume.

Payin API

Accept payments with sub-100ms API response times. UPI, cards, netbanking, and wallets in one integration.

Paymesh · Payin API

₹12,450.00

Confirmed

Instant Payouts

Disburse to any bank account, UPI ID, or wallet. Bulk payouts with real-time status tracking.

IMPS · Rahul M.Sent
NEFT · Vendor #42Sent
UPI · driver@payQueued

Smart Checkout

Conversion-optimized checkout UI with mobile-first design, saved cards, and intelligent retry logic.

Paymesh · Smart Checkout

₹12,450.00

Confirmed

Real-time Dashboard

Track every transaction live. Monitor success rates, settlements, and refunds from one dashboard.

Live success rate · T+1 settlement

Webhooks & Events

Signed webhooks with replay protection. Every payment state change delivered in seconds.

{
  "event": "payment.captured",
  "amount": 50000,
  "status": "success"
}

Developer-First

REST APIs, SDKs, webhooks, and a full sandbox environment for seamless integration.

Paymesh · Developer-First

₹12,450.00

Confirmed

Three milestones to prod

A guided path from sandbox keys to production traffic.

Sandbox handshake

Issue scoped keys, simulate declines, rehearse webhook signature verification.

Compliance packet

Upload KYC artefacts; underwriting validates MCC risks before enabling live MID.

Integration sprint

Wire payin, payout, and checkout with reference apps and signed webhook replay.

Go-live rehearsal

Shadow traffic canaries with PSP-specific rollback switches documented.

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"
}

Who Connects on Paymesh

E-commerce

SaaS

Lending

Marketplace

Gig Economy

EdTech

High-conversion checkout for D2C

UPI-first routing for mobile carts
Saved cards and EMI upsell
Real-time fraud signals

Live dashboard● Online

98.4% success

E-commerce · last 24h

Why Enterprises Choose Paymesh

Operational leverage without spreadsheet gymnastics.

T+1

Settlement

Predictable INR cycles with granular statements.

15+

Rails

One API mesh for every payment method.

99.9%

Uptime SLA

Enterprise-grade availability targets.

24h

Support

Engineers on call from integration day one.

100%

Reconciliation

Export-ready ledgers for finance teams.

Trusted by Growing Businesses

Enterprises across India rely on Paymesh for connected payment infrastructure.

Paymesh's API has been rock-solid for our checkout. Webhooks arrive in seconds and the dashboard gives our ops team full visibility without chasing banks.

Priya Sharma

CTO, FinEdge Lending

Compliance documentation and dedicated support made our RBI audit prep straightforward. Paymesh understands regulated lending workflows.

Rahul Mehta

Head of Payments, NovaCart

We unified payin and payout on one mesh — settlement exports finally match our ledger without manual VLOOKUP every morning.

Ananya Reddy

VP Finance, StackCommerce

FAQ

Everything finance and engineering teams ask before their first architecture review.

Questions teams ask early

How does Paymesh price vs legacy PSPs?

We align to transparent slabs with no teaser BIN arbitrage—see our pricing page for indicative MDR, payout fees, and volume tiers.

What about data residency?

Primary processing and storage footprints follow RBI PSP / PA directions. Enterprise MSAs enumerate region-specific replicas and data-flow diagrams for your compliance team.

Do you support white-label receipts?

Hosted checkout ships with brand kit tokens—logo, colors, and copy slots. APIs send metadata for custom PDF and email receipt templates on Growth and Enterprise plans.

How fast is settlement?

Standard T+1 settlement for domestic payin. Enterprise merchants may access accelerated or custom settlement windows subject to risk review and prefunded reserve arrangements.

Is there a sandbox for integration testing?

Yes. Scoped test keys, simulated success and decline flows, and signed webhook replay let engineering teams validate checkout, payouts, and reconciliation before go-live.

Can we run payin and payout on one integration?

A single merchant profile covers UPI, cards, netbanking payin plus IMPS, NEFT, and UPI payout rails—one API surface, unified webhooks, and consolidated settlement reporting.

Ready to Connect Your Payments?

Join the enterprise payment network built for scale — multi-PSP routing, T+1 settlement, and engineers on call from day one.

Start Integration Request Demo

Enterprise Payment Infrastructure. Built to Scale.

Every Payment Method. One Network.

UPI QR & Intent

Domestic Cards

Net Banking

Wallets & BNPL

UPI QR & Intent

Domestic Cards

Net Banking

Wallets & BNPL

Built for Enterprise Scale

Payin API

Instant Payouts

Smart Checkout

Real-time Dashboard

Webhooks & Events

Developer-First

Three milestones to prod

Sandbox handshake

Compliance packet

Integration sprint

Go-live rehearsal

Integrate in Minutes

Who Connects on Paymesh

High-conversion checkout for D2C

Subscriptions that scale

Regulated disbursement flows

Split settlements at scale

Instant worker payouts

Fee collection simplified

Why Enterprises Choose Paymesh

Trusted by Growing Businesses

Questions teams ask early

Ready to Connect Your Payments?