PayBiz routes transactions across Cashfree, Razorpay, and AirPay — automatically failing over to keep your conversion rate intact. One API. White-label checkout. Real-time settlements.
Revenue
₹8.2L
+14% this week
Success rate
98.4%
Last 7 days
Settlements
12
Pending payout
Revenue · last 7 days
₹ INR
Recent transactions
99.99%
Platform uptime
< 300ms
Avg. transaction time
3
Gateway providers
0%
Setup or monthly fees
Platform capabilities
Core infrastructure
PayBiz evaluates latency and historical success rates across Cashfree, Razorpay, and AirPay in real time. When a gateway falters, the next one takes over — without your customer noticing.
Checkout
Your brand, your domain. Upload a logo, set support contacts, and customers see your business — not PayBiz.
Payment method
Collect UPI transfers directly. Admins verify and approve with UTR confirmation — no aggregator fees.
Payment method
Accept Ethereum with live INR conversion via CoinGecko and on-chain verification through Etherscan.
Operations
Configurable auto-settlement engine runs on your schedule — 30 min, hourly, or on demand. Funds tracked to the paisa.
Administration
Invite team members with per-permission controls. Approve UPI, issue refunds, or manage settings — each independently gated.
Developer
Every transaction state change fires a signed webhook to your endpoint. Replay any delivery from the admin panel.
Reporting
Slice transaction data by gateway, method, account, day, or month. Export to pivot tables or view interactive charts.
Communications
Send branded payment confirmations, refund receipts, and settlement summaries from your own SMTP domain.
Security
Security decisions are baked into the architecture from the first line — not appended as middleware after the fact. Every layer of PayBiz is designed to keep merchant and customer data safe.
TLS 1.3 in transit
All API traffic encrypted end-to-end
API key pairs
Separate publish key and secret per account
bcrypt credentials
Passwords hashed with cost factor 12
IP whitelisting
Restrict API access to known server IPs
Customer blacklists
Block emails, phones, or IPs per account
JWT session management
Stateless tokens with 7-day expiry
Transaction risk scoring
Configurable velocity and pattern rules
Webhook signatures
HMAC-verified delivery to your endpoint
Infrastructure
PayBiz is built on a stateless Node.js core with MongoDB — horizontally scalable from day one, without re-architecture.
Stateless API
JWT-authenticated, horizontally scalable. Add instances behind any load balancer without shared session state.
Multi-gateway failover
If a gateway times out or returns an error, the next configured provider is tried within the same request cycle.
MongoDB Atlas–ready
Document store with compound indexes on hot query paths. Scales to billions of transaction records with Atlas sharding.
Background settlement
Auto-settlement engine runs independently of the request cycle — configurable frequency from 30 minutes to daily.
Per-account isolation
Every merchant's data is scoped by account ID at the query level. One tenant's volume never impacts another.
Sub-second initiation
Order creation to hosted checkout ready in under 300ms — including gateway session creation and redirect URL generation.
Supported payment methods
Developer experience
One REST endpoint creates an order and returns a hosted checkout URL. No PCI scope on your servers, no frontend SDK to wrestle with.
Log in to your admin panel to configure your account, add API keys, and go live in minutes.
Go to Admin Panel →