Payments and software together
APIs, partner panels and custom builds sit with one company, scoped as separate work when they should be.
Product suite
Collect, pay out, verify — then build around it
Payment software, partner panels, and custom development sit with one company. Each path is scoped to how you already operate.
Accept paymentsPayment gateway, UPI, cards and collections for websites, apps and outlets.ExploreMake payoutsIMPS, NEFT and UPI disbursements to vendors, agents and partners.ExploreBill pay & bankingBBPS, AEPS, recharge, DMT and cash management for assisted networks.ExploreVerify & onboardKYC and verification APIs for customers, retailers and payouts.ExploreBuild softwareWeb, mobile, APIs and internal systems around how the business already runs.ExplorePartner platformsWhite-label panels, distributor hierarchy and retail onboarding.Explore
Products
Payments and financial services
Modules live on the OptionPay platform today. Open any product for use cases, how it connects, and who it is for.
View all productsIT solutions
Software built around how you already work
Web apps, mobile apps, APIs, and internal systems. Scoped as a software project when it should not be bundled with a distributor demo.
- Automation of repetitive operational work
- Integration between payments, KYC, and existing tools
- Architecture that can scale as volumes and teams grow
For developers
APIs, documentation, and a sandbox
PayIn, payout, and verification are available as APIs. Start in the sandbox, then move to production after partner certification.
POST /v1/payouts
Authorization: Bearer <sandbox_key>
{
"amount": 25000,
"currency": "INR",
"mode": "UPI"
}
Who we serve
A clear path for each kind of partner
Retail outlets, distributor networks, white-label brands, and product teams start from the same platform — with a different next step.
RetailersAssisted outlets that offer bill pay, recharge, AEPS and related services to walk-in customers.DistributorsPartners who onboard retailers, set commissions and track transactions from one panel.Master distributorsNetworks that appoint distributors under them and need reporting across the downline.White-label partnersBusinesses that want bill pay, AEPS and payments under their own brand.Fintech businessesProduct teams that embed PayIn, payout or verification APIs.Enterprise clientsOrganisations that need a dedicated integration, software build, or operating model.
Work with us
A team that stays after the first conversation
Payments, APIs, and custom software are scoped with the same company. Tell us how you operate and we will map the services or the build that fits.
Why OptionPay
Built for operators, not only for checkout
Panel or API
Use a branded dashboard, embed PayIn and payout, or commission a software project.
Documented APIs
PayIn, payout and verification include documentation and a sandbox.
Support after go-live
Integration questions and partner onboarding are handled by the OptionPay team.
Questions
Common questions
Is OptionPay an RBI-licensed Payment Aggregator?
No. OptionPay provides technology. Licensing and sponsor arrangements depend on your business model — see our RBI alignment page for the exact wording.
What is Bharat Connect on OptionPay?
Bharat Connect is the customer-facing identity for BBPS bill payments. Our software helps distributors run white-label bill-pay networks; COU/BOU roles sit with authorised partners.
Can I get a website, app, or custom software without BBPS?
Yes. OptionPay IT Solutions is a separate path. Book an IT consultation rather than only a distributor demo.
How fast can a distributor go live?
Many partners enable core modules within about 7 days after KYC and documentation, subject to approvals.
Planning tools
Estimate, compare, and check fit
Illustrative figures for a distributor network or an IT project. They are not a quote.
Planning tools are loading.
Talk through the right OptionPay path
Payment integrations, financial APIs, custom software, or a technology partner — we will map a demo or an IT consult to how you operate.