Acceptance
Online checkout, in-store QR and card terminals, and assisted agent counters.
Electronic Payment Systems - Pitampura, New Delhi
One integration. Every way India pays.
Digitrapay Gateways builds the rails underneath your business - payment gateway, card acquiring, wallets and prepaid instruments, Aadhaar-enabled payments, NEFT, RTGS, IMPS, QR collections and bill payments, settled and reconciled in one ledger.
Rails we run
- UPI & QR
- Card Acquiring
- Wallets & PPI
- AePS
- NEFT · RTGS · IMPS
- Bill Payments
The Company
About Digitrapay Gateways
A New Delhi payments company operating electronic payment systems end to end - acceptance at the counter and the checkout, movement across bank rails, and settlement back into the merchant's account.
Digitrapay Gateways Private Limited exists for a simple reason - a business should integrate once and reach every payment instrument its customers actually use.
Most merchants end up stitching together a gateway for cards, a separate wallet provider, a bank portal for NEFT and RTGS, an agent platform for Aadhaar-enabled cash-out and yet another vendor for bill collections. Five contracts, five reconciliation files, five support queues, and no single view of the money.
We collapse that into one switch. Collection channels feed a common core that routes, tokenises, screens for risk and writes to one ledger - then settles out to card networks, UPI, bank transfer rails, the Aadhaar-enabled network and the bill-payment ecosystem. One integration, one dashboard, one reconciliation.
- Merchant agreement & KYC
- PCI-DSS aligned controls
- Tokenised card storage
- Registered Pvt Ltd entity
See every product we runA payment is not finished when it is authorised. It is finished when it is settled, reconciled and explainable.
Operating principle
- Head Office
- Pitampura, New Delhi
- PIN
- 110034
- Entity
- Private Limited
- Focus
- Payment systems
Four pillars, one payment spine
Stored Value
E-wallets, cash cards and prepaid instruments issued under your own brand.
Movement
NEFT, RTGS and IMPS collections and payouts, plus Aadhaar-enabled cash-out.
Settlement
Cycle-based payouts, automated reconciliation and an auditable transaction ledger.
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Merchants Onboarded
0L+
Monthly Transactions
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Gateway Uptime
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Payment Modes
Products
Every Instrument, Behind One Contract
Take a single product or the whole stack. The integration, the dashboard and the settlement report stay the same either way.
Payment Gateway
Hosted checkout or a server-to-server API for web and app, with retries, refunds and subscription billing built in.
- Hosted & embedded checkout
- Recurring & subscription mandates
- Instant and partial refunds
Card Acquiring
Credit, debit and commercial card acceptance online and at the counter, with network tokenisation instead of stored card numbers.
- Domestic & international cards
- Network tokenisation & 3-D Secure
- EMI and pay-later options
E-Wallets & Prepaid Instruments
White-label wallets, cash cards and prepaid programmes - load, spend, transfer and redeem, with a full ledger per holder.
- Closed & semi-closed wallets
- Cash cards & gift instruments
- KYC tiers and load limits
Aadhaar-Enabled Payments
AePS for assisted banking at agent counters - biometric authentication for cash withdrawal, balance enquiry and mini statements.
- Cash withdrawal & deposit
- Balance enquiry & mini statement
- Agent & micro-ATM network tooling
NEFT, RTGS & IMPS
Bank-rail collections and payouts - virtual accounts for inbound, bulk disbursals for outbound, with status callbacks on every leg.
- Virtual accounts for collections
- Bulk & scheduled payouts
- Beneficiary validation
QR Codes & Bill Payments
Static and dynamic QR for counters and invoices, plus a bill payment gateway covering utility, telecom and recurring biller categories.
- Dynamic QR per invoice
- UPI collect & intent flows
- Bill fetch, pay and receipt
| Rail | Money moves | Best suited to | Availability |
|---|---|---|---|
| UPI & QR | Near-instant | Everyday collections, small-ticket retail | 24×7 |
| Card acquiring | Settled T+1 | E-commerce, subscriptions, higher ticket sizes | 24×7 |
| IMPS | Instant | Refunds and payouts that cannot wait | 24×7 |
| NEFT | Half-hourly batches | Vendor payments, salary and bulk runs | 24×7 |
| RTGS | Real-time gross | High-value transfers (₹2 lakh and above) | 24×7 |
| AePS | Instant | Assisted banking and cash-out at agent points | Per bank & network windows |
| Bill payments | Instant confirmation | Utilities, telecom and recurring billers | 24×7 |
Not sure which rails your volumes need? We will model it with you before you sign anything.
Talk to the Payments TeamSelected Deployments
What We Have Put Into Production
A cross-section of live implementations. Volume figures, settlement terms and reference calls are available under NDA.
Omnichannel Retail
Unified Checkout Across 240 Stores and One Website
Card terminals, in-store QR and the online checkout reporting into a single settlement file - store-level reconciliation that used to take a week now closes the next morning.
Request the case study
Wallet Programme
Semi-Closed Wallet for a Mobility Platform
Rider top-ups, driver payouts and promotional credits on one prepaid ledger, with KYC tiers enforced at load time.
Request the case study
QR Collections
Dynamic QR at 9,000 Neighbourhood Counters
Per-invoice QR with instant SMS confirmation to the shopkeeper, and a daily consolidated payout per distributor.
Request the case study
Financial Inclusion
AePS Agent Network Across Tier-3 Districts
Biometric cash withdrawal and balance enquiry at assisted counters, with agent-level limits, settlement and dispute handling.
Request the case study
Payouts at Scale
Same-Day Disbursals for a Gig Marketplace
IMPS for instant payouts with automatic NEFT fallback, beneficiary validation up front and a callback on every leg.
Request the case study
Bill Payment Gateway
Collections Portal for a Regional Utility
Bill fetch, part-payment, instant receipt and a reconciliation feed into the utility's billing system - counter, web and agent channels on the same API.
Request the case studyInside the Platform
The Surfaces Your Customers Actually Touch
Illustrative views of the acceptance, stored-value and settlement surfaces we run.
Hosted Checkout
Every enabled mode in one sheet, branded to the merchant, mobile first.
Card Acquiring
Contactless, chip and PIN, and tokenised card-on-file for repeat purchases.
Wallets & Cash Cards
Prepaid balances with a per-holder ledger, load limits and KYC tiers.
Assisted Banking
Biometric authentication and cash-out at agent counters and micro-ATMs.
Settlement & Recon
Cycle progress per rail, payout status and a breaks report that stays at zero.
QR & Bill Payments
Scan-to-pay at the counter and a bill gateway across biller categories.
Technology & Security
Infrastructure Built to Be Audited
Payments fail in boring ways - a bank endpoint times out, a webhook is delivered twice, a refund races a settlement. Our platform is designed around those failures rather than around the happy path.
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Smart routing across acquirers
Traffic shifts between acquiring banks on success rate and cost, with automatic retry on a second route when the first declines for a technical reason.
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Tokenisation and key management
Card numbers are replaced with network tokens; keys sit in a hardware-backed store and never in application code or logs.
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Idempotent APIs and signed webhooks
Every write takes an idempotency key and every callback is signed, so a duplicate delivery can never double-charge or double-pay.
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Risk scoring before authorisation
Velocity, device and beneficiary checks run in line, with merchant-configurable rules and a review queue for anything borderline.
POST
/v1/payments
201 Created
// one call, the rail chosen at runtime
{
"amount": 2485000, // paise
"currency": "INR",
"method": "upi",
"reference": "order_DGP7F42K",
"customer": {
"contact": "+91XXXXXXXXXX"
},
"notify_url": "https://your.app/hooks"
}Platform & Controls
PCI-DSS aligned
HSM key storage
TLS 1.2+ in transit
AES-256 at rest
Role-based access
Immutable audit log
Active-active hosting
Signed webhooks
Certification scope, audit reports and the current compliance status are shared with prospective merchants during onboarding.
Merchant Operations
The Dashboard Your Finance Team Will Live In
Acceptance is the easy half. Everything after authorisation - settlement, reconciliation, refunds, disputes - is where a payments partner earns its keep.
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Live Transaction View
Every attempt, success and decline as it happens, filterable by rail, channel and store.
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Settlement & Reconciliation
Cycle-wise payout reports matched line by line against bank credits, with breaks flagged.
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Refunds & Payouts
Single or bulk refunds and disbursals, with the rail chosen by urgency and amount.
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Disputes & Chargebacks
Case tracking with document upload, representment deadlines and outcome history.
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Team Roles & Approvals
Maker-checker on payouts, scoped access per branch, and a full action audit trail.
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Reports & Invoices
Scheduled exports, GST-compliant fee invoices and an API for your own accounting stack.
Our Advantage
Why Merchants Move Their Volume To Us
Every Rail Under One Contract
Gateway, cards, wallets, AePS, bank transfers and bill payments - without juggling five vendors and five reconciliation files.
Success Rates You Can Watch
Per-rail and per-acquirer success rates in the dashboard, with routing that reacts when a bank endpoint degrades.
Integration Measured in Days
Sandbox keys immediately, clear reference docs, and an engineer on your integration channel until you are live.
Reconciliation That Closes
Automated matching against bank credits, breaks surfaced the same day rather than found at month end.
Support That Knows Your Account
A named relationship manager plus an escalation path that stays awake through the settlement window.
Pricing Without Surprises
Rate cards per instrument, no hidden platform fee, and settlement terms written into the agreement.
- Registered Private Limited company
- PCI-DSS aligned controls
- KYC & AML onboarding
- Written settlement terms
- Named support contact
Merchant Voices
What Our Merchants Say
How Onboarding Works
From First Call to First Settlement
Four gates, each with a named owner and a written sign-off. Nothing goes live until the previous gate is closed.
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KYC & Merchant Agreement
Business documents, beneficial ownership, bank account verification and the rate card - signed before any key is issued.
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Sandbox & Integration
Test keys, reference docs and a shared channel with an integration engineer while you wire up checkout, webhooks and refunds.
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Certification & Risk Profile
End-to-end test cases signed off, velocity and exposure limits agreed, and the settlement cycle configured for your business.
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Go-Live & Settlement
Production keys, a monitored first week, and the first settlement report walked through with your finance team.
Payments Notes
Insights From the Switch
A single percentage hides four different failures. How to split technical declines from business declines before you blame the gateway.
Operations
Read More
What assisted banking actually requires at an agent counter - weak networks, timeout handling and the dispute process that follows.
Inclusion
Read More
Refund races, partial captures and fee rounding - the three breaks that account for most unmatched lines, and how to design them away.
Finance
Read More
Questions
Answers Before You Ask
The questions merchants raise on the first call - answered plainly, so the call can be about your business instead.
How long does onboarding take?
Most merchants go live in 7 to 14 working days. KYC and the merchant agreement usually take two to three days once documents are complete; integration and certification account for the rest, and run in parallel with your own release schedule.
What documents do you need for KYC?
Certificate of incorporation or registration, PAN, GST registration where applicable, the business bank account proof, and identity and address proof for directors or proprietors with beneficial ownership details.
Regulated categories may need additional licences - we tell you exactly what applies to your business before you start collecting paperwork.
When does money reach my bank account?
Card and net-banking collections settle on a T+1 cycle by default. UPI, IMPS and bill payments confirm in near real time and are included in the same day's cycle.
Faster cycles are available on request and are written into your merchant agreement rather than left as a verbal assurance.
Can I start with one product and add rails later?
Yes. Every product sits behind the same integration and the same dashboard, so enabling card acquiring, a wallet programme, AePS or bill payments later is a configuration change and a commercial addendum - not a second integration.
How is pricing structured?
A rate card per instrument, quoted against your expected volume and average ticket size. There is no separate platform or dashboard fee, and settlement terms sit in the agreement alongside the rates.
Chargeback and dispute handling charges, where they apply, are stated up front rather than appearing on an invoice later.
Do you handle payouts as well as collections?
Yes - single, bulk and scheduled payouts over IMPS, NEFT and RTGS, with beneficiary validation before the transfer and a callback on every leg. The rail is chosen by urgency and amount, with automatic fallback when one is unavailable.
Is there a sandbox before going live?
Sandbox keys are issued as soon as the merchant agreement is signed, with test credentials for every enabled rail, simulated success and failure cases, and webhook replay so you can prove your handlers before production traffic arrives.
What happens when a transaction is disputed?
Disputes appear in the dashboard with the network's representment deadline, the evidence required and an upload slot for your documents. Nothing is debited without a notification, and the full case history stays available for audit.
Something specific to your business model that is not covered here?
Ask the Payments TeamMerchant Inquiry
Tell Us How Your Money Moves
Share your volumes, the instruments you need and where settlement has to land. We respond within one business day - NDA first, if you prefer.