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Instant UPI Payout API for India

Send instant payouts to any bank account or UPI ID with a single API. XPay handles UPI and IMPS payouts, real-time status and high volume — so your money moves out the moment you need it.

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A single API for UPI & IMPS payouts

XPay's payout gateway lets Indian businesses disburse funds programmatically — vendor payments, refunds, commissions, salaries, marketplace seller settlements and more. One integration covers UPI payouts (to any UPI ID) and IMPS payouts (to any bank account with IFSC), with a signed webhook confirming every transaction and its UTR.

Instant Payouts

Funds move out in real time to UPI IDs and bank accounts.

High Volume

Built for bulk payouts and peak disbursement loads.

Developer-First

REST API, webhooks, docs & SDK — live in hours.

How a UPI payout works

1
Create payoutSend payee UPI ID / bank account & amount.
2
We processPayout is submitted to the rails instantly.
3
ConfirmationSigned webhook returns status & UTR.
4
ReconcileTrack everything in your dashboard.

Who uses XPay payouts

UPI payout FAQ

What is a UPI payout API?

A UPI payout API lets your software send money out programmatically to any UPI ID or bank account, instead of doing manual bank transfers. XPay exposes one REST endpoint for both UPI and IMPS payouts.

How fast are payouts?

Payouts are processed in real time; you receive a signed webhook with the status and UTR as soon as the transaction completes.

Can I send bulk payouts?

Yes — the API is built for high volume, so you can disburse to many recipients without a daily cap.

How do I integrate?

Through our REST API with signed webhooks and full documentation. Talk to us on WhatsApp or Telegram and we'll set up your account and share the docs.

Start sending UPI payouts

Talk to us on WhatsApp or Telegram — we'll get your payout API live.

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