Card Acquiring
Visa, Mastercard and RuPay acquiring across POS and online checkout, with next-cycle settlement and full chargeback workflow.
Explore acquiringBacked by RBI-compliant infrastructure
Unified Payment Infrastructure -
For Every Transaction
Card Acquiring · Aadhaar Pay (AePS) · IMPS/NEFT/RTGS · QR · E-Wallets · Bill Payments - Built for Business.
- PCI DSS Level 1
- 99.97% Platform Uptime
- 200+ Banking Partners
- 24/7 Transaction Monitoring
Rails we operate
- Cards
- UPI & QR
- AePS
- IMPS
- NEFT
- RTGS
- Wallets
- Bill Pay
Company Overview
About Orbipay Gateways
A New Delhi-based fintech infrastructure provider enabling seamless digital payment acceptance and disbursement across India.
ORBIPAY GATEWAYS PRIVATE LIMITED operates comprehensive electronic payment systems for businesses and institutions - payment gateways, e-wallets, cash cards and prepaid instruments - engineered around reliability, multi-channel aggregation and deep banking integrations.
We serve merchants, retail chains, financial institutions, e-commerce platforms and government bodies that need dependable rails for collection, acquiring and remittance. Every service runs on redundant infrastructure with continuous reconciliation, so settlement is predictable and auditable at any scale.
From a single storefront QR to a nationwide subsidy disbursement programme, our stack is built to the same standard: bank-grade security, transparent settlement, and support engineers who understand payments.
- Registered office: Saraswati Vihar, New Delhi–110034
- Multi-bank, multi-channel aggregation under one contract
- Adherence to RBI payment system guidelines
Product Suite
Our Payment Ecosystem - Enterprise Ready
Six production-grade rails, one integration surface, one settlement report.
Aadhaar-Enabled Payments (AePS)
Biometric and Aadhaar-based micro-ATM services for cash withdrawal, deposit, balance enquiry and benefit disbursement.
Explore AePSIMPS / NEFT / RTGS
Real-time and bulk fund transfers over API - payouts, salary runs, vendor settlements and high-value corporate remittances.
Explore transfersQR Code Solutions
Dynamic and static QR for counter-side retail and e-commerce, with instant collection alerts and store-level reconciliation.
Request a demoE-Wallets & Prepaid Instruments
White-label and co-branded wallets, cash cards and prepaid instruments with KYC tiers, load limits and closed-loop controls.
Request a demoBill Payment Gateway
Multi-category utility, telecom, insurance and subscription billing with biller onboarding and automated reconciliation.
Explore bill payCard Acquiring
Secure Card Acquiring - Unified Commerce
Accept every major card scheme across every channel your business sells through. One merchant identifier spans in-store terminals, hosted checkout, in-app payments and recurring mandates - reconciled into a single settlement file.
- POS integration - certified terminals, EMV chip & contactless tap
- Online checkout - hosted pages, seamless iframe or full API control
- Recurring billing - e-mandate, tokenised cards, retry logic
- Chargeback management - dispute console with evidence upload
- Settlement - T+1 cycles, split payouts and sub-merchant ledgers
Public Sector & Rural Banking
Aadhaar-Enabled Payments (AePS) & Subsidy Disbursement
A trusted delivery partner for government schemes, Direct Benefit Transfer (DBT) programmes and cooperative banking networks reaching India's last mile.
Biometric Authentication
Aadhaar-based customer authentication through certified biometric devices, with encrypted capture and full audit trails on every request.
Micro-ATM Network
Cash withdrawal, cash deposit, balance enquiry and mini-statement services delivered through banking correspondents and retail agents.
DBT & Subsidy Payouts
High-volume benefit transfer runs for pensions, scholarships, wage programmes and welfare schemes, with beneficiary-level status reporting.
01
Agent initiates service on micro-ATM
02
Aadhaar & biometric captured securely
03
Routed to issuing bank for authorisation
04
Instant confirmation & receipt issued
Payouts & Transfers
Instant & Bulk Fund Transfers
Move money the moment your business logic says to. Our remittance APIs cover IMPS for instant transfers, NEFT for scheduled batches and RTGS for high-value corporate settlements - with a single balance, one webhook contract and beneficiary validation before a rupee leaves your account.
IMPS Instant Payouts
24×7 transfers, seconds to credit.
Bulk NEFT Batches
Upload or stream thousands of records.
RTGS High Value
Same-day corporate settlements.
Salary Disbursement
Scheduled payroll and vendor runs.
Payout Queue
LIVE
4,812
Processed today
₹3.4Cr
Disbursed
1.8s
Avg. credit time
| Ref | Rail | Amount | Status |
|---|---|---|---|
| TXN-90412 | IMPS | ₹12,500 | Credited |
| TXN-90411 | NEFT | ₹1,84,000 | Credited |
| TXN-90410 | RTGS | ₹24,00,000 | In batch |
| TXN-90409 | IMPS | ₹7,250 | Credited |
| TXN-90408 | NEFT | ₹62,900 | Credited |
Collections
Multi-Category Bill Payment Gateway
One integration to collect against every biller category your customers pay - with automated reconciliation and instant confirmation receipts.
Electricity & Utilities
State boards, water and piped gas collections.
Telecom & DTH
Prepaid recharge and postpaid bill settlement.
Insurance Premiums
Renewal collection with policy-level mapping.
Loan & EMI
NBFC repayment collection and due reminders.
Fee Collection
School, college and coaching fee gateways.
Subscriptions
Recurring mandates with automated retries.
Municipal Dues
Property tax and civic body payments.
FASTag & Transit
Toll wallet top-ups and transit recharges.
Why Orbipay
Trusted by Retailers & Institutions
Infrastructure is only as good as the operations behind it. Here is what runs behind every transaction.
24/7 Transaction Monitoring
A dedicated network operations centre watches authorisation rates, latency and settlement health around the clock, with proactive alerting.
Multi-Currency & Multi-Bank Support
Route across multiple acquiring and sponsor banks with automatic failover, so a single downstream outage never stops your collections.
Advanced Fraud & Risk Management
Rule engines, velocity checks, device intelligence and configurable risk scoring applied before authorisation, not after the loss.
Developer-Friendly REST APIs
Predictable JSON, idempotency keys, signed webhooks and a full sandbox - most teams complete a first integration within days.
Pan-India Service Availability
Coverage from metro checkout counters to rural banking correspondents, supported by a distributed agent and service network.
Dedicated Relationship Managers
A named commercial and technical contact per enterprise account - escalation paths that reach a person, not a queue.
Sector Coverage
Solutions for Every Sector
Payment workflows differ by industry. Our configurations, settlement cycles and reporting adapt to yours.
Retail & E-commerce
Omnichannel acceptance across POS, QR and hosted checkout, with store-wise settlement, refunds and split payouts for marketplaces.
Utilities & Billers
Bill presentment and collection at scale, with consumer-number validation, part-payment rules and end-of-day biller reconciliation files.
Education
Fee gateways for schools, colleges and coaching institutes - term-wise heads, instalment plans and automatic receipt generation.
Healthcare
Counter and online collections for hospitals, diagnostics and pharmacy chains, with department-level ledgers and refund controls.
Government & PSUs
AePS delivery, DBT payouts and citizen-facing collections, with programme-level MIS and beneficiary status reporting.
Fintech & NBFCs
Embedded collections, e-mandate repayments and instant disbursal APIs for lending, wallet and neo-banking platforms.
Deployed Nationwide
Orbipay in the Field
The same rails, wherever the money moves - a shop counter in a metro market, a banking correspondent in a rural block, a finance desk closing the day's settlement.
Retail Counter Acceptance
Card terminals and QR standees deployed side by side, so a store accepts whichever instrument the customer reaches for.
QR Collections at the Counter
Scan-to-pay collections confirmed on the customer's phone and routed straight to the merchant's settlement account.
Micro-ATM & AePS Points
Banking correspondents delivering withdrawal, deposit and balance services on certified biometric devices.
Settlement & Reconciliation
Store-wise ledgers, payout cycles and downloadable reconciliation files for the finance team.
The Trust Layer
Bank-Grade Security & RBI Compliance
Payment data is held to one standard: encrypted in transit and at rest, tokenised wherever it is stored, and resident within India.
End-to-End Encryption
TLS 1.2+ in transit and AES-256 at rest, with HSM-backed key custody and enforced rotation policies.
Tokenization & 3D Secure
Network tokens replace raw card data, and 3DS step-up authentication is applied on risk-flagged transactions.
Access Governance
Role-based access, mandatory MFA, signed API requests and immutable audit logging on every privileged action.
Regulatory Adherence
Operations aligned to RBI payment system guidelines, data localisation norms and periodic system audits.
PCI DSS
ISO/IEC 27001
RBI Guidelines
Data Localisation
Integration
Plug & Pay - Developer Friendly
Ship your first live transaction without a six-week integration project. Sandbox credentials are issued on approval, and every endpoint mirrors production behaviour exactly.
REST APIs
Versioned, JSON-first, idempotent.
Signed Webhooks
Retried delivery with HMAC signatures.
Mobile SDKs
Android and iOS drop-in checkout.
Platform Plugins
WooCommerce, Shopify and Magento.
Merchant Voices
What Our Partners Say
Operators who moved their collections and payouts onto Orbipay rails.
Knowledge Hub
Insights on Digital Payments
Briefings for finance, product and operations teams building on payment rails.
Understanding AePS for Rural Retail Banking
How Aadhaar-enabled services turn a village storefront into a functioning banking touchpoint - and what operators must get right on device certification, agent training and settlement.
Read MoreThe Rise of QR Payments in Indian Retail
Static versus dynamic QR, reconciliation at store level, and why the cheapest acceptance channel still demands the same monitoring discipline as card infrastructure.
Read MoreHow to Choose a Payment Aggregator for Your Business
A practical evaluation checklist: success rates by issuer, settlement cycles, chargeback handling, redundancy across sponsor banks, and the questions to ask before signing.
Read MoreAnswers
Frequently Asked Questions
Onboarding, settlement, integration and security - the questions merchants and institutions ask us before signing.
We operate the payment infrastructure that businesses collect and disburse money on - card acquiring, Aadhaar-enabled services, IMPS/NEFT/RTGS remittances, QR collections, e-wallets and prepaid instruments, and a multi-category bill payment gateway. We are a B2B infrastructure provider for merchants and institutions, not a consumer wallet app.
Certificate of incorporation or registration, PAN, GST registration where applicable, a cancelled cheque or bank verification letter for the settlement account, and KYC of the authorised signatories. Regulated entities, cooperative banks and government bodies follow a separate documentation track - your relationship manager confirms the exact list before onboarding begins.
Sandbox credentials are issued on approval, typically within two working days of documentation clearing. Most teams complete a checkout or payout integration in under two weeks, and a plugin-based storefront on WooCommerce, Shopify or Magento can go live considerably faster.
Standard card and QR collections settle on a T+1 cycle. Settlement frequency, split payouts and sub-merchant ledgers are configurable per account, and every cycle is accompanied by a reconciliation file that maps each credit back to the underlying transactions.
Yes. Cards, QR, wallets, prepaid instruments and bill payment categories are exposed through the same API surface and reported in a single settlement statement, so adding a channel later is a configuration change rather than a fresh integration.
Failed authorisations return a structured reason code, and webhook delivery is retried until your endpoint acknowledges it. Chargebacks are managed through a dispute console where you can track representment deadlines and upload evidence, with our risk team assisting on contested cases.
Yes. The sandbox mirrors production behaviour - including webhooks, failure scenarios, retries and settlement reporting - so you can exercise edge cases properly before your first live rupee moves.
Data is encrypted in transit over TLS 1.2+ and at rest with AES-256, card data is replaced by network tokens, and access is governed by role-based permissions with mandatory MFA and immutable audit logging. Operations follow RBI payment system guidelines, including data localisation within India.
Still deciding? Send us your requirement and our integration team will map the right rails for your transaction profile.
Partner With Us
Distributors, banking correspondents, ISVs and platform businesses - build revenue on Orbipay rails with white-label branding, tiered commercials and co-managed onboarding.
Get Started
Ready to Integrate? Let's Talk.
Tell us about your transaction profile and we will map the right rails, commercials and onboarding path.