Embedded Payments
Take payments inside your own product with the Payment API and a custom checkout.
Explore Embedded PaymentsAI-Powered Financial InfrastructureGlobal PaymentsSecure & Trusted
Products · Embedded FinanceBuild payments into your own product.
SaaS platforms and marketplaces embed Paynancial's Payment, Payout and Billing APIs directly, so money moves inside their own product instead of on someone else's.
- Embedded Payments
- Embedded Payouts
- Embedded Billing
- Wallet Infrastructure
- Your platformYour product, your users
- Paynancial APIOne REST API, API keys
- Payments · Collections · PayoutsEmbedded in your workflow
- WebhooksEvents back to your product
Overview
What Embedded Finance covers.
Platforms, marketplaces and software products increasingly want money to move inside their own experience: a marketplace paying its sellers, a SaaS product billing its customers, an app that collects without sending anyone to a separate checkout. That is embedded finance.
On Paynancial it starts with the same pieces as any integration — the Payments, Collections and Payouts APIs, API keys, idempotency keys and webhooks — embedded by technology partners in their own software. Each item below says exactly what is published today and what to confirm with our team before you build.
Where to start
Pick the one that matches your need.
| If… | Start with |
|---|---|
| You want to take payments inside your product | Payments API → |
| You bill your customers on a schedule | Smart Collections → |
| You pay sellers, creators or partners | Payouts → |
| You want to build on Paynancial as a technology partner | Partners → |
| You want to test first | Sandbox → |
The catalog
Everything in Embedded Finance.
Products with their own page link straight to it. Items marked “Guide” explain a topic using only what the site already publishes — the capability itself is not confirmed, so ask our team.
Embedded Payouts
Pay your platform's sellers, creators and partners from your own systems through Payouts.
Explore Embedded PayoutsEmbedded Billing
Recurring and scheduled billing inside your software with the Collections API.
Explore Embedded BillingWallet Infrastructure
What running a wallet involves in India, and how it differs from accepting wallets.
Explore Wallet InfrastructureSplit Payments
Share one customer payment between a marketplace and its sellers: collect, then pay out.
Explore Split PaymentsWhite-Label Payments
Keep payments in your own brand with a custom checkout and partner programmes.
Explore White-Label PaymentsHow it flows
Embedded Finance, step by step.
Only steps Paynancial's published products support today.
- 01Get a sandbox key
Build and test against the API with no real funds involved.
- 02Embed the APIs
Call the Payments, Collections and Payouts APIs from your own product, with an idempotency key on every request that moves money.
- 03Listen for events
Webhooks tell your product as payments, payouts, refunds and settlements change state.
- 04Go live
Swap sandbox keys for live keys once your integration is reviewed.
- 05Reconcile and report
Settlement records and transaction reports keep your platform's books straight.
Security & trust
Built on trusted financial infrastructure.
Listed as verified in the Paynancial Trust Center.
- Encryption
- TLS 1.2 or higher in transit; AES-256 for sensitive data at rest, including bank details.
- Access
- Least-privilege internal access, logged, with multi-factor authentication for privileged actions.
- Monitoring
- Real-time fraud monitoring, with transactions risk-scored before funds move.
- Audit trail
- Every payment, payout and refund is tied to the API key or session that made it.
Certifications and regulatory authorisations are not claimed here. Trust Center · Security & Compliance · AI Governance
Build with Paynancial
Developer resources for Embedded Finance.
Compliance in India
The RBI and NPCI rules around Embedded Finance in India.
A plain-language guide to the frameworks that may apply. General information only. Not legal, tax, financial or regulatory advice. It is not a statement of Paynancial's own licences or authorisations.
Payment and Settlement Systems Act, 2007
The law under which the Reserve Bank of India regulates and supervises payment systems in India, including the authorisation of payment system operators. Businesses should consider the applicable requirements under this Act.
Payment Aggregator and Payment Gateway guidelines
RBI's framework for payment aggregators — businesses that collect payments on behalf of merchants — covering authorisation, merchant due diligence, how merchant funds are held and settled, and grievance handling.
Know Your Customer (KYC) Direction
Customer due diligence obligations for RBI-regulated entities. Payment aggregators apply due diligence to the merchants they onboard.
Card-on-File tokenisation
Covers card-on-file tokenisation: a card saved for repeat payments is replaced by a token, created with the customer's consent, instead of the actual card number being stored.
Digital Personal Data Protection Act, 2023
India's law on processing digital personal data — including the personal data in payment records — based on consent, purpose limitation and security safeguards.
Regulators update these rules by circular, so always check the current text at the source: Reserve Bank of India · NPCI. For Paynancial's own security and compliance posture, see the Trust Center.
AI & Intelligence
Where intelligence helps.
AI capabilities that work on the same data. All are available on request.
Pay & Move Money: Paying sellers, creators or partners from your platform runs on Payouts — to bank accounts and UPI IDs, singly or in bulk. Explore Pay & Move Money →
FAQ
Embedded Finance questions.
What is embedded finance?
Putting financial services — payments, payouts, billing — directly inside a platform's own product, so its users never have to leave it to pay or get paid.
How do platforms embed Paynancial?
As technology partners: SaaS platforms and marketplaces embed Paynancial's Payment, Payout and Billing APIs directly in their own software, using API keys, idempotent requests and real-time webhooks.
Can my platform pay its sellers or partners?
Yes, through Payouts: send funds to bank accounts and UPI IDs from your own systems, singly or in bulk, with each payout tracked and reported by webhook.
Does Paynancial offer wallets, split payments or white-label payments?
These are not yet described on this site, so no capabilities are claimed. Ask our team about your platform's requirements before you plan around them.
Can I test before building?
Yes. The Paynancial Sandbox lets you build and test against the API with no real funds involved.
Talk to us about Embedded Finance.
Tell us what you need to build, and we will show you where to start.