Fintech & Payments API Integration
Accept, route and reconcile money across every Indian payment rail.
Payment products need more than one gateway. We ship UPI, Razorpay, PayU, Cashfree, Stripe, BBPS and FASTag as a unified, pre-built layer — accept cards, wallets, UPI and bill payments, run payouts and reconcile settlements without wrangling a dozen SDKs and sandboxes.
Why Fintech & Payments teams integrate this stack
Payment products almost never end up with one gateway. Domestic cards and UPI go one way, payouts another, international revenue a third — and each arrives with its own SDK, webhook signature scheme, idempotency rules and definition of failure. The cost is not the first integration; it is the divergence that accumulates across all of them and the reconciliation gaps it opens.
This stack presents every rail through one model. UPI, Razorpay, PayU, Cashfree and Stripe are normalised so orders, captures, refunds and payouts mean the same thing regardless of provider, and routing becomes a configuration decision rather than a rewrite. BBPS adds bill payments across 20,000+ billers, FASTag adds toll and vehicle context, and IFSC validation stops payouts failing at the bank.
What shapes the Fintech & Payments integration stack
Idempotency is the whole game
Every payment operation carries a key tied to your order reference, so a retried webhook resolves to one ledger entry instead of a duplicate charge.
Validate the beneficiary first
VPA validation and IFSC lookup before a transfer converts a multi-day bounce-and-reconcile cycle into an inline form error.
Route, do not rebuild
With a normalised interface, sending a transaction to whichever gateway has the better economics or success rate for that instrument is configuration.
Recurring revenue needs dunning
Subscription flows handle mandate revocation and card expiry explicitly rather than silently losing the customer at the next cycle.
What you can ship
- Offer UPI, cards, netbanking and wallets from one checkout integration
- Run bulk payouts and refunds with verified beneficiary accounts
- Collect utility, FASTag and BBPS bill payments in-app
Integrations for Fintech & Payments
- UPI Collect & PayReady to shipInitiate UPI collect requests, validate VPAs and reconcile payments through our PSP-grade integration.
- RazorpayReady to shipAccept payments, create orders and disburse payouts through India's most-used payment gateway.
- PayUReady to shipHosted checkout with cards, UPI, netbanking and EMI options for Indian merchants.
- Cashfree PaymentsReady to shipPayment collection and bulk payouts/refunds with strong UPI and verification suite.
- StripeIn certificationGlobal card and wallet acceptance with PaymentIntents — ideal for cross-border and SaaS billing.
- Bharat BillPay (BBPS)Ready to shipFetch and pay bills across 20,000+ billers — electricity, gas, DTH, broadband and more — through a single interface.
- FASTag / NETCReady to shipQuery FASTag balance and tag status by vehicle registration number for fleet and mobility platforms.
- IFSC / Bank LookupReady to shipResolve any Indian bank branch from an IFSC code — used for payouts, onboarding and validation.
Fintech & Payments API integration — FAQs
Can we keep our existing gateway contracts?
Yes. Connectors run against your merchant accounts and your negotiated pricing — we integrate, we do not resell.
Do we need our own PSP relationship for UPI?
No. UPI runs through Aeologic's PSP-grade access, which is what lets you start collecting without arranging direct bank sponsorship first.
How do we handle cross-border alongside domestic?
Stripe covers international card and wallet acceptance and is presented through the same interface as the domestic rails, so your ledger logic does not fork by geography.
Other industries we integrate for
Ready-made solution bundles
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