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Payout and Payin

High-speed payin & payout infrastructure with automatic risk & security

Unified collections (Payin) and instant disbursements (Payout) with automated risk engine, fraud mitigation, bank-grade security, and multi-gateway routing.

Starting at

₹50,000/month

Choose a planBook a demo
Payout and Payin screenshot

Overview

What is Payout and Payin?

Payout and Payin is an enterprise-grade financial infrastructure platform designed for businesses requiring high-throughput collections and instant disbursements with automated risk intelligence.

Collect funds seamlessly across India using dynamic UPI QR, Virtual Accounts, NetBanking, and Cards. Execute instant 24/7 payouts via IMPS, UPI, NEFT, and RTGS with sub-second confirmation and zero manual intervention.

Protect your platform with an integrated Automatic Risk & Fraud Mitigation engine. Real-time velocity checks, blacklisted VPA detection, transaction anomaly scoring, and dynamic 2FA ensure every rupee transacted is safe and compliant.

Connect direct bank corporate APIs and multiple payment gateways with smart routing and automated failover, delivering 99.99% transaction reliability and automated double-entry ledger reconciliation.

Key benefits

  • Automatic Risk & Fraud Mitigation

    Sub-second AI risk scoring, velocity limiting, and anomalous behavior detection.

  • Maximum Transaction Success

    Dynamic multi-bank failover automatically reroutes transactions when a gateway slows down.

  • Instant 24/7 Liquidity & Disbursals

    Round-the-clock automated payouts to bank accounts and UPI IDs across India.

Features

Everything included in Payout and Payin

  • Risk & Security

    Automatic Risk Engine

    Real-time fraud scoring, velocity checks, and automated transaction hold triggers.

  • Risk & Security

    Bank-Grade Security

    End-to-end encryption, HMAC signature verification, IP whitelisting, and full audit logs.

  • Disbursements

    Instant 24/7 Payouts

    Automated disbursements via IMPS, UPI, NEFT, and RTGS with sub-second callbacks.

  • Collections

    High-Success Payin

    Dynamic UPI QR, intent flows, NetBanking, and card processing with smart fallback.

  • Operations

    Smart Multi-Bank Routing

    Intelligent routing across multiple bank nodes to maximize success rates.

  • Finance

    Automated Reconciliation

    Double-entry ledger, automated settlement matching, and instant dispute workflows.

  • Integration

    Developer REST APIs

    Idempotent REST APIs, webhooks, and sandbox environment with complete SDKs.

  • Operations

    Multi-Level Permissions

    Role-based access control, dual-approval for large payouts, and staff management.

  • Operations

    Real-Time Alerts

    Instant notification on low nodal balances, failed payouts, and risk threshold spikes.

Modules

What you get

Payout and Payin is delivered as 4 connected modules.

  1. Module 1

    Merchant Operations Panel

    Unified dashboard for monitoring live payins, payouts, balances, and reports.

  2. Module 2

    Automatic Risk Console

    Configure risk rules, velocity thresholds, blacklist VPAs, and review flagged transactions.

  3. Module 3

    Bulk Payout Engine

    Upload Excel/CSV for automated mass disbursements with instant bank account validation.

  4. Module 4

    Developer API Gateway

    Comprehensive API documentation, webhook logs, retry queues, and sandbox testing.

See it in action

A look inside Payout and Payin

Explore the screens your team will use every day.

app.2all.co.in/payout-and-payin/operations

Monitor payins, payouts, balances and success rates across every bank node.

  • Real-time volumes
  • Success rate by channel
  • Low-balance alerts

Screenshots

Payout and Payin in action

  • Payout and Payin dashboard with wallet balance, payouts and payins today, volume chart and recent transactions
    Dashboard: balance, volume and live transactions
  • Payouts list with beneficiary, IMPS/UPI/NEFT/RTGS mode, amount, charges, UTR and status
    Instant payouts over IMPS, UPI, NEFT and RTGS
  • UPI payin screen with dynamic QR, virtual account details and collections list
    UPI collections, QR and virtual accounts

How it works

Getting started is simple

  1. 1

    Choose a Plan

    Select the monthly or tier plan matching your transaction scale and risk requirements.

  2. 2

    Configure Bank Nodes & Routing

    Connect direct bank accounts, payment gateways, and configure automatic risk thresholds.

  3. 3

    Integrate & Test in Sandbox

    Implement REST APIs and webhooks with instant simulated responses.

  4. Go Live with Full Security

    Process collections and payouts at scale with automated ledger reconciliation.

Who it's for

Who should use Payout and Payin?

  • Fintech & Neobanks

    Platforms requiring high-speed automated disbursals and wallet collections.

  • E-commerce & Marketplaces

    Instant vendor settlements, split payouts, customer refunds, and checkout payins.

  • Gaming & On-Demand Apps

    Instant user winnings withdrawal, dynamic UPI collections, and automated fraud prevention.

Pricing

Payout and Payin plans

Prices are shown before GST unless stated. A GST invoice is issued for every payment.

  • Monthly Subscription

    Monthly

    Full Payin & Payout platform access billed monthly with automatic risk and security.

    ₹50,000/month

    + GST (18%)

    Connected Bank Accounts
    5
    Monthly volume included
    50,00,000 INR
    Max Throughput (TPS)
    50
    • Included: Instant Payin & Payout APIs (UPI, IMPS, NEFT, RTGS)
    • Included: Automatic Risk Scoring & Fraud Engine
    • Included: Real-Time Velocity Checks & IP Whitelisting
    • Included: Smart Multi-Bank Routing & Auto-Failover
    • Included: Automated Ledger & Real-Time Webhooks
    • Included: Merchant Dashboard & Bulk Disbursals

  • Starter Plan

    One-time purchase

    Essential payin & payout setup with core automated risk checks and security.

    ₹49,000one-time

    + GST (18%)

    Connected Bank Accounts
    2
    Monthly volume included
    10,00,000 INR
    Max Throughput (TPS)
    20
    • Included: Unified Payin & Payout Gateway
    • Included: Automatic Risk Rule Engine
    • Included: Bank-Grade Security & Tokenization
    • Included: UPI, IMPS & NEFT Disbursements
    • Included: Merchant Admin Portal & Double-Entry Ledger
    • Not included: Smart Multi-Bank Routing
    • Not included: Custom Risk Model Tuning

  • Professional Plan

    One-time purchase

    Most popular

    High-volume payin & payout routing with advanced AI risk intelligence and failover.

    ₹99,999one-time

    + GST (18%)

    Connected Bank Accounts
    10
    Monthly volume included
    1,00,00,000 INR
    Max Throughput (TPS)
    100
    • Included: Everything in Starter
    • Included: Advanced Automatic Risk Engine with AI Fraud Scoring
    • Included: Smart Multi-Bank Routing & Instant Failover
    • Included: Dynamic UPI QR & Virtual Account Collections
    • Included: Bulk Payout Queue with Instant Verification
    • Included: Role-Based Access Control & Full Audit Logs

  • Enterprise Plan

    One-time purchase

    High-throughput enterprise infrastructure with dedicated bank nodes and custom risk algorithms.

    ₹1,99,999one-time

    + GST (18%)

    Connected Bank Accounts
    Unlimited
    Monthly volume included
    Unlimited
    Max Throughput (TPS)
    500
    • Included: Everything in Professional
    • Included: Unlimited Bank & Gateway Connectors
    • Included: Custom Automatic Risk Algorithms & Surcharge Engines
    • Included: Hardware Security Module (HSM) Tokenization
    • Included: Dedicated Infrastructure & High TPS Capacity
    • Included: 24/7 Priority Ops Support & 99.99% Uptime SLA

Add-ons

  • Dedicated Bank Node Integration

    Direct corporate banking API integration for ICICI, HDFC, Axis, or Yes Bank.

    ₹24,999 one-time

  • Custom Risk & Fraud Policy Pack

    Custom risk rule modeling, velocity triggers, and bespoke compliance rules.

    ₹14,999 one-time

  • 24/7 Priority Operations & SLA

    Dedicated technical account manager and round-the-clock incident escalation.

    ₹9,999 per billing period

FAQ

Payout and Payin questions

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From the blog

Guides for Payout and Payin users

Ready to launch Payout and Payin?

Book a free demo to see it with your own workflow, or pick a plan and get started.

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