The Payment Infrastructure India's Businesses Trust
Accept UPI, cards, netbanking and more. T+1 settlement. 99.9% uptime. Developer-first APIs.
Every Payment Method India Uses
Payrok unifies UPI, cards, netbanking, wallets, and more behind one clean API.
UPI QR & Intent
Static and dynamic QR, deeplinks, and collect requests with sub-3s webhooks.
Domestic Cards
Visa, Mastercard, RuPay with tokenized saved cards and EMI.
Net Banking
Tier-A PSU and private bank coverage with IFSC validation.
Wallets & BNPL
Paytm, PhonePe wallets plus LazyPay and cardless EMI flows.
Built for Growth
Payment infrastructure designed for Indian businesses scaling from startup to enterprise.
Payin API
Accept payments with sub-100ms API response times. UPI, cards, netbanking, and wallets in one integration.
Instant Payouts
Disburse to any bank account, UPI ID, or wallet. Bulk payouts with real-time status tracking.
Smart Checkout
Conversion-optimized checkout UI with mobile-first design, saved cards, and intelligent retry logic.
Real-time Dashboard
Track every transaction live. Monitor success rates, settlements, and refunds from one dashboard.
Auto Reconciliation
Daily automated settlement reports matched to your ledger. Export-ready for your finance team.
Developer-First
REST APIs, SDKs, webhooks, and a full sandbox environment for seamless integration.
Three milestones to prod
Sandbox handshake
Issue scoped keys, simulate declines, rehearse webhook signature verification.
Compliance packet
Upload KYC artefacts; underwriting validates MCC risks before enabling live MID.
Go-live rehearsal
Shadow traffic canaries with PSP-specific rollback switches documented.
Integrate in Minutes
Go from API keys to live payments with a developer-first workflow.
Get API Keys
Sign up and generate test keys from the merchant dashboard.
Make API Call
Create an order with a single REST request — no SDK required to start.
Go Live
Complete KYC, switch to live keys, and start accepting real payments.
// PHP — create order
$client = new \Payrok\Client('pk_live_xxxx');
$order = $client->orders->create([
'amount' => 50000,
'currency' => 'INR',
'receipt' => 'order_001',
'payment_capture' => true,
]);
// $order->id → order_PxKrNqXxYzWhere Payrok shines
Marketplaces
Split settlements, vendor KYC orchestration, automated TDS reporting hooks.
SaaS & subscriptions
Recurring UPI mandates roadmap, dunning-friendly retry ladders.
Gig & logistics
High-volume IMPS with maker–checker and bulk verification.
Operational leverage for merchants
- Settlements that communicate - granular statements keyed to MID, aggregator fee, PSP interchange.
- Dispute desk playbooks - timelines matching card network SLA tables.
- Integration velocity - reference architectures for Laravel, Node, Django, ERP bridges.
“We stopped duct-taping spreadsheets every settlement cycle-payrok finally gave CFO-grade exports.”
Trusted by Growing Businesses
Merchants across India rely on Payrok for reliable payment infrastructure.
Payrok's API has been rock-solid for our checkout. Webhooks arrive in seconds and the dashboard gives our ops team full visibility without chasing banks.
T+1 settlement changed our cash flow planning. We moved from a legacy gateway and cut reconciliation time by half. Finance team finally sleeps at month-end.
Compliance documentation and dedicated support made our RBI audit prep straightforward. Payrok understands regulated lending workflows.
Questions finance & CTOs ask early
Pricing, compliance, settlement, and integration-answered before your first architecture review.