PayIn APIs handle collections — UPI, cards, netbanking and payment links. Your app receives webhook callbacks when payments succeed or fail.
Payout APIs handle disbursements — IMPS, NEFT, RTGS and UPI to bank accounts. Beneficiary validation and penny-drop checks reduce failed transfers.
Integration tips
- Start in sandbox with test credentials
- Implement signed webhooks for both flows
- Use idempotency keys on payout requests
- Reconcile daily with settlement reports
When teams use both
Marketplaces, lenders and payroll products often collect with PayIn and disburse with Payout on the same OptionPay stack. Add KYC verification to validate merchants and beneficiaries before raising limits.
Explore our developer hub, API docs, payment gateway overview, or book a demo.
