Payment Gateway · Pay-In

Accept Every Payment, From Every Customer

A unified Pay-In platform with multi-gateway connectivity — accept UPI, Cards, Net Banking, and Wallets through a single integration. Smart routing automatically picks the best partner for every transaction, so your success rates stay high and your customers never see a failure screen.
  • Utility & recharge services
  • Recurring billing flows
  • Built on BBPS rails
  • Cards
  • UPI
  • Net Banking
  • Wallets

99.99%

Platform Uptime

< 200ms

Processing Speed

T+0

Instant Settlements

100+

Gateway & Bank Partners

Every Way Your Customers
Want to
Pay

A complete suite of Indian payment methods, ready out of the box. One integration unlocks every channel your customers use today and every channel they'll use tomorrow.

UPI

Reliable, high-performance payment infrastructure that keeps your business running, day in and day out.
Google Pay · PhonePe · Paytm · BHIM

Debit & Credit Cards

All major Indian and international card networks. Tokenization, 3D Secure 2.0, and one-click checkout for repeat customers.
Visa · Mastercard · RuPay · Amex

Net Banking

Direct net banking integrations across every major Indian bank — public, private, and co-operative. No redirect fatigue.
SBI · HDFC · ICICI · Axis & 50+

Wallets

Every major Indian wallet, ready to accept. Lower friction for customers who prefer their preferred wallet over cards or UPI.
Paytm · MobiKwik · Amazon Pay · Freecharge
Intelligent Smart Routing

One Integration. Multiple Gateways. Highest Success Rates.

Digiway's smart routing engine evaluates every transaction in real-time and directs it through the gateway most likely to succeed — based on bank performance, success-rate trends, BIN intelligence, and live partner health. Failed payments retry automatically through a backup route, invisibly, before your customer sees an error.
  • Real-time gateway health monitoring
  • Automatic retry on the next-best route
  • BIN-level routing for higher card success
  • No single-provider dependency or downtime risk
  • One unified dashboard across all partners
Live Transaction Routing
Last 60 seconds · ₹2,84,500 processed
  • NSDL Payments
Active · 98.2%
  • Razorpay
Standby · 96.8%
  • PayU
Backup · 95.4%
Combined Success Rate
99.4%

Built-In Features That Just Work

Everything you need to accept payments, manage transactions, and scale collections — without bolting on third-party tools.

Highest Success Rates

Multi-gateway smart routing pushes success rates 5–8% higher than single-provider setups. Every basis point of conversion compounds into real revenue.

Instant & T+0 Settlements

Get your money the same day — not in two business days. Choose between T+0 instant settlements or scheduled batch payouts that match your cash flow.

Fraud & Risk Engine

Built-in fraud detection scores every transaction in milliseconds. Block velocity attacks, flag suspicious BINs, and protect your business with rules you control.
How It Works

Live in 24 Hours or Less

From signup to your first transaction — we make the entire setup fast, simple, and hassle-free.

Create Your Account

Sign up with your business details. Quick KYC verification with Aadhaar & PAN — completed within 24 hours.

Integrate Our API

Copy-paste our ready-made API or SDK into your website or app. Supports all major languages and platforms.

Go Live & Collect

Start accepting payments instantly. UPI, Cards, Wallets, Net Banking — all activated from day one.

Get Settled Daily

Funds are settled directly to your bank account on T+1 or T+2 basis. Track every rupee in real-time.
Intelligent Smart Routing

Integration in Three Lines of Code

Open APIs, well-documented SDKs, and curl-friendly endpoints. Start in sandbox, ship to production in a day — no procurement calls, no integration consultants required.
  • REST APIs with OpenAPI specs
  • SDKs for Node, PHP, Python, Java
  • Idempotency keys built-in
  • Sandbox & production parity
  • Reliable webhook delivery
  • Test cards & UPI VPAs

const request = require("request");

const options = {
  method: "POST",
  url: "https://api.digiway.in/pg/orders",
  headers: { "Content-Type": "application/json" },
  body: JSON.stringify({
    amount: 10000,
    currency: "INR",
    receipt: "receipt#1",
    notes: { key1: "value3", key2: "value2" }
  })
};

Our Partners

Partners collaborate to deliver innovation, quality, reliability, and growth.
Frequently Asked

Pay-In Questions

Digiway supports the full range of Indian payment methods — UPI (intent flow, collect, and QR), all major Debit and Credit cards (Visa, Mastercard, RuPay, Amex), Net Banking across every major Indian bank, and the leading Indian wallets including Paytm, MobiKwik, Amazon Pay, and Freecharge. International cards are also supported.

From signup to your first live transaction typically takes under 24 hours. KYC verification using Aadhaar and PAN completes the same day. Sandbox integration takes most teams a few hours using our SDKs, and the move from sandbox to production requires only a key swap.

Our routing engine evaluates each transaction against live performance data from every connected partner — current success rates, latency, BIN-specific behaviour, and bank-side health. The transaction is routed through the partner most likely to succeed at that exact moment. If the first attempt fails for transient reasons, the next-best route retries automatically — invisibly to your customer.

Digiway offers T+0 (same-day instant), T+1, and T+2 settlement schedules. You choose what fits your cash flow. Settlements land directly in your registered bank account, with full transaction-level reconciliation available in your dashboard and via API.

Yes. Digiway is PCI-DSS compliant, ISO 27001 certified, and uses 256-bit SSL encryption end-to-end. Card data is fully tokenized — your servers never touch raw card details. We also provide 2FA, biometric authentication on all merchant tools, and 24/7 automated threat monitoring.

Digiway uses transparent transaction-based pricing with no setup fee, no annual maintenance fee, and no hidden charges. Rates vary by payment method and volume tier. Visit our Pricing page for current rates, or contact sales for custom enterprise pricing.

Start Accepting Payments
in 24 Hours or Less

Join thousands of Indian businesses using Digiway's unified Pay-In platform — higher success rates, faster settlements, simpler integration.
© 2026 Digiway. All rights reserved.
  • Android store app
  • iPhone store app