Live Bharat Connect bill payment, verification and DMT APIs for your platform, or your own white-label or custom fintech software with recharge, AEPS, Micro ATM, UPI cash withdrawal and payout modules.
import hashlib, hmac, json, time, requests
API_KEY = "poc_live_..."
PATH = "/ext/v1/dmt/transfer"
BODY = json.dumps({"beneficiary_id": 17,
"amount": 500.00,
"client_reference": "ORD-2026-000123"}).encode()
ts = str(int(time.time()))
msg = f"POST\n{{PATH}}\n{{ts}}\n{{hashlib.sha256(BODY).hexdigest()}}"
sig = hmac.new(API_KEY.encode(), msg.encode(), hashlib.sha256).hexdigest()
response = requests.post(
"https://payonclick.in" + PATH, data=BODY,
headers={
"Authorization": f"Bearer {{API_KEY}}",
"X-Timestamp": ts,
"X-Signature": sig,
})
# ✅ Response: 201 Created
print(response.json())
# {{"success": true, "data": {{"request_id": "VVN1786456576...", "status": "pending"}}}}Integrate a live partner API, launch your own branded platform, or have us build the fintech software you need.
Your own branded admin panel, retailer and distributor portal and Android app, built on the platform that runs Payonclick, with source code on final payment.
Money transfer API with OTP-verified senders and penny-drop beneficiary checks, for supported banks within their service windows.
Mobile and DTH recharge modules for your platform: several providers behind one flow, checked callbacks and refunds only on a confirmed failure.
Bharat Connect bill payments across 30 categories, including electricity, water, gas, credit card, FASTag, insurance and loan repayment.
Verify bank accounts by penny drop, GSTIN, PAN to GSTIN, vehicle RC, driving licence and Voter ID through one signed API.
What businesses and retailers get when they work with Payonclick India
Partner APIs, white-label builds and custom modules, all from the production platform that runs Payonclick every day.
HTTPS everywhere, signed and time-stamped API requests, IP whitelisting, OTP login and a TPIN on every payment.
Idempotent payment APIs, automatic status re-checks and wallet refunds only on a confirmed failure.
Phone, WhatsApp and ticket support from our Sirsa team, Monday to Saturday, 10 AM to 7 PM.
Charges and commission shared upfront for the services you choose, with a full statement for every wallet.
A public API reference with request samples that compute the signature for you, ready to paste.
One key, one signature scheme, one response envelope — across 34 live endpoints. Every example below is a real call you can make today.
Send money to any supported bank account. Idempotent — the same client_reference always returns the same transfer.
sender_token | string | From /sender/verify-otp |
beneficiary_id | int | From /beneficiary/add |
amount | number | Within the limits from GET /balance |
tpin | string | Your account TPIN |
client_reference | string | Your idempotency key |
{
"success": true,
"data": {
"request_id": "VVN178645657668598151B51",
"client_reference": "ORD-2026-000123",
"amount": 500.00,
"charge": 5.00,
"status": "pending",
"duplicate": false
}
}Pay against a bill_token from /bill/fetch. Re-sending the same client_reference replays the original — it never pays twice.
bill_token | string | From /bill/fetch, valid 15 minutes |
amount | number | ₹1 – ₹2,00,000 |
tpin | string | Your account TPIN |
client_reference | string | Your idempotency key |
{
"success": true,
"data": {
"reference_id": "BBPSA2026072918301291a3f1",
"status": "SUCCESS",
"bbps_txn_id": "CC016103CBAC64888712",
"amount": 1102.50,
"biller_name": "Adani Electricity Mumbai Limited",
"duplicate": false
}
}Verify against government sources — bank account, Voter ID, Driving Licence, Vehicle RC, GSTIN and PAN → GSTIN.
client_reference | string | Your idempotency key |
epic_number | string | EPIC number as printed on the card |
name | string | Name to match against the record |
{
"success": true,
"data": {
"client_reference": "KYC-2026-000123",
"service": "voter-id",
"verified": true,
"status": "VALID",
"charge": 4.00,
"duplicate": false
}
}Onboarding once — then straight to production
Submit your business KYC documents and sign the partner agreement. We verify and approve your account.
Generate your API key and build against the live reference — begin with the read endpoints before you move money.
Fund your wallet and start processing real transactions.
A one-time onboarding fee, then you earn on every transaction. Your wallet is prepaid — no monthly bill, no hidden charges.
For businesses going live on our APIs for the first time.
For growing volumes that need better rates and faster support.
For high-volume partners and platforms reselling at scale.
Transaction charges and commission are per service and per slab — ask us for the rate card for the APIs you plan to use.
Launch your own branded fintech platform — fully customized, fully yours
A branded admin panel, retailer and distributor portal and Android app with your company name, logo, colours and domain, and the source code on final payment.
Modules, integrations and focused products built to your specification: agent networks, wallet ledgers, commission engines, partner APIs and reporting.
A native Android app under your brand, with RD device and Micro ATM integrations, push notifications, receipt sharing and server-driven menus. The web portal installs as a PWA.
Server setup, SSL, daily database backups, monitoring and OS patching under a hosting and maintenance plan, so you can focus on your network.
How a Payonclick build works
Fill the form and our team will reach out within one business day with the next steps for your use case.
Everything you need to know about our fintech API platform