XPay powers real-time UPI collections and instant payouts for Indian businesses — with T+0 settlement, high-volume capacity and a developer-first API.
One integration for collections and payouts, with the settlement speed and reliability your business runs on.
Accept instant collections from any UPI app or bank, with live order tracking.
Send money out to bank accounts and UPI IDs in real time via a single API.
Get funds faster with real-time or next-day settlement to your bank account.
A throughput-first engine that scales smoothly with your peak transaction load.
REST API, webhooks and clear docs so your team goes live in hours, not weeks.
Smart routing, IP whitelisting and a real-time dashboard to keep you in control.
A clean flow for money in and money out — with signed callbacks so your system always stays in sync.
From storefronts to platforms — if you collect or send payments in India, XPay fits in.
Works with any UPI app your customers already use.
A simple REST API with signed webhooks and full documentation.
# Create a collection order POST https://api.xpay24.net/v1/orders/create { "merchantId": 1001, "orderId": "ORD20260724001", "amount": 50000, // in paise = ₹500 "notifyUrl": "https://you.com/callback", "timestamp": 1784540680182, "sign": "md5(orderId+timestamp+secret)" } # Response { "code": 200, "payOrderId": "P1784540680481", "paymentUrl": "https://pay.xpay24.net/..." }
Controls that keep your money flow safe and auditable.
Every callback is HMAC-signed so you can verify it really came from XPay.
Restrict payout requests to your approved server IPs for an extra layer of safety.
Track every collection and payout, push status and settlements as they happen.
Traffic is routed across channels to keep collections flowing smoothly.
Failed callbacks are retried automatically so you never miss an update.
A dedicated account manager on WhatsApp & Telegram whenever you need us.
We settle on a T+0 / T+1 basis (real-time available), auto-credited to your registered bank account, with no minimum settlement amount.
UPI, IMPS and bank transfer — for both pay-in (collections) and pay-out (payouts). It works with any UPI app your customers already use.
Per-transaction limits are ₹100–₹50,000 for both pay-in and pay-out, with no daily processing cap.
Through our REST API with signed webhooks, full documentation at docs.xpay24.net and an SDK. Three steps: register, integrate the API, then go live.
Refunds and chargebacks are rare and handled case by case, as per your signed agreement.
Message us on WhatsApp or Telegram below — we'll set up your merchant account and share the integration details.
Talk to us directly on WhatsApp or Telegram — we usually reply within minutes.