AI-Powered Financial InfrastructureGlobal PaymentsSecure & Trusted
Embedded Finance · Embedded PayoutsTechnology partners embed the Payout API so a platform can pay the people on it — to bank accounts and UPI IDs, one at a time or in bulk — straight from its own systems.
$payout = $client->payouts->create([
'beneficiary_id' => 'bene_3Kd91',
'amount' => 250000, // in paise
'mode' => 'upi',
], [
'idempotency_key' => 'payout-run-2026-08-29-0417',
]);
echo $payout->status;Embedded payouts let a platform pay its users — sellers, creators, drivers, partners — from inside its own product. On Paynancial, technology partners embed the Payout API, which sends funds to bank accounts and UPI IDs with saved beneficiaries, idempotency keys and payout webhooks, singly or in bulk. An embedded payouts offering beyond the Payouts product is not described on this site.
Marketplaces pay sellers, creator platforms pay creators, gig platforms pay workers. When those payouts happen inside the platform — triggered by an order, a milestone or a pay cycle — instead of from a separate bank portal, that is embedded payouts.
On Paynancial it runs on Payouts. Your platform saves each recipient as a beneficiary, calls the Payout API when money is due, and follows every payout by webhook — with an idempotency key so a retry never pays anyone twice. Paying many recipients at once uses Bulk Payouts.
Add each seller's or creator's bank account or UPI ID as a beneficiary.
Your platform works out what each recipient is owed.
Create the payout with an idempotency key, or submit a batch.
Update the recipient's balance in your product as each payout changes state.
Completed payouts appear in your payout report.
Payouts capabilities, embedded through the API.
Embedded Payouts is not a separate system — it runs through the products and tools you already use.
| Where | What you get |
|---|---|
| Payouts | The payout capability. See Payouts. |
| Payouts API | POST /payouts with an idempotency key. See the API Reference. |
| Webhooks | Payout events. See Webhooks. |
| Partner Payments | Paying business partners. See Partner Payments. |
General information only. Not legal, tax, financial or regulatory advice.
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.
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.
NPCI's round-the-clock instant interbank transfer service, to a bank account or mobile number.
NPCI operates UPI and sets its rules for member banks, UPI apps and other participants through procedural guidelines and circulars, including transaction limits, dispute handling and security requirements.
NPCI's system for high-volume, repetitive bank transfers — bulk credits such as salaries and dividends, and debits against mandates such as loan instalments.
Covers the time within which failed digital transactions — for example, a customer debited without the merchant being credited — are expected to be reversed or resolved across authorised payment systems such as UPI, cards and IMPS, and compensation to the customer when that time is missed.
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.
Build it from your own payout record ID, so a retry never pays twice.
Use the payout webhook to show sellers and creators exactly where their money is.
Check a new beneficiary's details before sending a large first payment.
Payouts a platform makes to the people on it — sellers, creators, drivers or partners — from inside its own product, triggered by its own systems.
Through the Payout API: save each recipient's bank account or UPI ID as a beneficiary, create a payout with an idempotency key when money is due, and follow it by webhook. Bulk payouts pay many recipients at once.
Yes. Payouts supports UPI IDs as well as bank accounts.
No. Paynancial does not calculate or deduct tax. Agree the amounts with your CA before you pay.
This capability is not confirmed as a Paynancial product. Tell us what you need and our team will tell you what is available.
Discuss your payment and financial infrastructure requirements.