NEXT-GEN PAYMENT GATEWAY AGGREGATOR

One Unified API.
Multiple Gateways.
Payments Beyond Limits.

Scale your business with India's intelligent payment aggregator. We dynamically orchestrate transactions across top acquiring banks and payment gateways — delivering 99.8% checkout success rates, zero downtime, and instant automated settlements.

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5-Minute Quick Setup

PCI-DSS Level 1 Ready

Sub-second Auto-Failover

PayOrbit Smart Routing Engine

LIVE ROUTING

Incoming Checkout Authorized

₹ 4,999.00

UPI INTENT

Order: PO-2026-948210 • Auto-analyzing health...

Orchestrated Rails & Failover

Direct Bank & UPI Rail #1

Health: 99.9% • Latency: 110ms

SELECTED (OPTIMAL)

Acquiring Partner Rail #2

Health: 98.4% • Latency: 180ms

STANDBY FAILOVER

Cards & NetBanking Switch

Health: 99.2% • Latency: 220ms

INSTANT READY

End-to-End Encrypted Auto-rerouted in 45ms

UNIFIED ACROSS ALL MAJOR INDIAN PAYMENT MODES & PLATFORMS

UPI Dynamic QR

PhonePe UPI

Google Pay

Paytm UPI

BHIM UPI

Visa & Mastercard

RuPay Cards

NetBanking (50+ Banks)

Instant IMPS Payouts

NEFT & RTGS Rails

UPI Dynamic QR

PhonePe UPI

Google Pay

Paytm UPI

BHIM UPI

Visa & Mastercard

RuPay Cards

NetBanking (50+ Banks)

Instant IMPS Payouts

NEFT & RTGS Rails

THE AGGREGATOR ADVANTAGE

Why Single Gateway Integration Fails You

Relying on a single payment processor exposes your revenue to outages, bank downtimes, and manual reconciliation bottlenecks. PayOrbit orchestrates the entire payment ecosystem for you.

Direct Single Gateway

Fragile & High Risk

Single Point of Failure: When your lone gateway faces bank downtime, all user transactions fail immediately.
Multiple Heavy Integrations: Connecting 3-4 separate gateways requires weeks of developer time and multiple API versions.
Manual Reconciliation Nightmare: Downloading separate settlement spreadsheets from different portals wastes hours each day.
Rigid MDR & Hidden Costs: Locked into unfavorable transaction pricing without bargaining power or volume optimization.

With PayOrbit Aggregator

Resilient & High-Performing

Zero-Downtime Smart Routing: Real-time AI auto-cascades failed payments to healthy acquiring rails in sub-seconds.
One Unified REST API: Integrate once and automatically access multiple top gateways, UPI switches, and payout engines.
Consolidated Unified Ledger: Track every rupee, dispute, and settlement across all channels in one central real-time dashboard.
Optimized Volume Pricing: Benefit from aggregated economies of scale, lowest MDR rates, and transparent T+0 settlements.

POWERFUL INFRASTRUCTURE

Engineered for High-Scale Businesses

From high-speed UPI deep links to instant vendor payouts, explore the complete technology stack powering our aggregator platform.

Dynamic Cascade Routing

Intelligent routing algorithms evaluate bank latency and health continuously. If any gateway degrades, payments seamlessly re-route to keep success rates above 99.8%.

Unified UPI & Dynamic QR

Native UPI intent triggering for mobile web and apps (GPay, PhonePe, Paytm, CRED). Dynamic QR codes with sub-second websocket payment completion detection.

Instant Automated Payouts

Disburse vendor payouts, user wallet withdrawals, affiliate commissions, and refunds instantly via 24x7 IMPS, NEFT, and UPI rails with real-time beneficiary validation.

AI-Driven Fraud Defense

Protect your business from chargebacks with smart velocity controls, device fingerprinting, IP risk scoring, and zero-compromise PCI-DSS Level 1 compliance.

Automated Reconciliation

Eliminate manual spreadsheet work. PayOrbit matches order IDs with bank UTRs and settlement batches automatically, generating unified financial statements.

Resilient Webhook Engine

Reliable event notifications with cryptographic HMAC-SHA256 signatures, automated exponential retry logic, and zero missed status callbacks.

DEVELOPER-FIRST APIS

Integrate Payments in Less Than 5 Minutes

Our clean RESTful APIs and comprehensive SDKs allow developers to get up and running effortlessly. One endpoint creates orders, provides dynamic UPI intent, and activates multi-gateway fallback automatically.

Idempotent Requests

Prevent duplicate transactions safely

Instant Sandbox Keys

Test full flows without live bank KYC

Webhooks & Event Streams

Instant payment verification callbacks

Get Sandbox Keys Read API Docs

# Initialize payment order with intelligent multi-rail routing
curl -X POST "https://api.payorbit.io/v1/order/create" \
  -H "Authorization: Bearer sec_live_94821a0f8b..." \
  -H "Content-Type: application/json" \
  -d '{
    "order_id": "ORD_2026_981",
    "amount": 2499.00,
    "currency": "INR",
    "customer": {
      "name": "Aman Raj",
      "email": "aman@example.com",
      "phone": "9876543210"
    },
    "routing_preference": "smart_auto_cascade",
    "callback_url": "https://yourapp.com/payorbit/callback"
  }'
                    

BUILT FOR SCALE

Powering Next-Gen Digital Commerce

Whether you run an e-commerce platform, gaming portal, or B2B SaaS, PayOrbit delivers custom routing optimized for your industry.

E-Commerce & Retail

Maximize checkout conversions during flash sales with auto-scaling payment routing and instant cart UPI deep links.

Gaming & Entertainment

High-frequency micro-transactions with instant wallet top-ups and sub-second automated winning payouts 24/7.

SaaS & Subscriptions

Recurring payments, automated invoice links, tokenized cards, and dynamic auto-retry on failed card charges.

B2B Marketplaces

High-ticket NEFT/RTGS virtual accounts, split settlements for vendor commissions, and automated tax withholding.

EdTech & Courses

No-cost EMI on cards, multi-bank net banking options, and flexible installment plans for students and learners.

Fintech & WealthTech

Bank-verified third-party account payouts, Penny Drop verification, and institutional API limits.

SIMPLE 3-STEP ONBOARDING

How to Get Started with PayOrbit

No complicated paperwork or long waiting queues. Experience swift merchant onboarding designed for fast execution.

Sign Up & Digital KYC

Integrate & Test Sandbox

Generate sandbox API keys, plug in our SDKs, test payment callbacks and simulate gateway failover events.

Go Live & Scale Volume

Switch to live credentials, accept multi-rail payments, and receive automated instant settlements to your account.

Start Your Onboarding Journey

COMMON QUESTIONS

Frequently Asked Questions

Everything you need to know about our payment gateway aggregator engine and partner integrations.

A single payment gateway connects you to only one acquiring network. If their servers experience latency or downtime, your customer transactions fail. PayOrbit operates as a smart aggregator and orchestration layer: we connect you to multiple premier gateways and direct banking rails through a single unified API. Our automated cascade engine routes transactions to the healthiest, fastest channel in real-time, eliminating payment failures.

Integration takes under 5 minutes with our clean RESTful APIs and lightweight SDKs for PHP, Node.js, Python, and mobile platforms. Once you sign up, you instantly receive sandbox API keys to test order generation, webhook listeners, and verification callbacks without waiting for live approvals.

PayOrbit supports flexible settlement cycles tailored to your business volume — including standard T+1 settlements as well as same-day T+0 instant settlements. All payout disbursements operate 24/7/365 via automated IMPS and UPI rails.

Yes, security is deeply embedded in our infrastructure. PayOrbit adheres strictly to PCI-DSS Level 1 compliance standards, 256-bit bank-grade SSL encryption, RBI tokenization guidelines, and multi-factor authentication protocols to safeguard merchant and customer transaction data.

One Unified API. Multiple Gateways. Payments Beyond Limits.