Payin - collect every rupee reliably
Accept UPI, cards, netbanking, wallets, and EMI with unified APIs built for Indian businesses. One integration, every channel.
Payment channels
Eight rails, one API - indicative MDR from your Payrok commercial schedule.
How payin works
Intent & order
Your server creates a payment session with amount, currency INR, customer reference, and metadata.
Customer pays
The customer selects a channel on hosted checkout or completes an in-app SDK flow.
Authorize & capture
Payrok confirms authorization with issuers and acquirers in real time.
Webhook & settle
Signed webhooks notify your systems; settlement follows your configured payout schedule.
Engineered for uptime and approvals
Smart routing
Route transactions across acquirers to balance success rates and resilience.
Realtime webhooks
Signed payloads for authorized, Success, failed, and refunded events.
Hosted & embedded flows
Keep PCI scope tight with redirects or embedded checkout components.
Reconciliation
Merchant dashboard exports and nightly settlement summaries.
Risk controls
Velocity limits, device fingerprinting, and issuer decline analytics.
Retries & recovery
Intelligent retry logic for soft declines without duplicate charges.
Sample create payment request
Drop in the official PHP SDK or call REST directly. Replace placeholders with sandbox keys from support@payrok.in.
// PHP - create payment
$client = new \Payrok\Client(getenv('PAYROK_API_KEY'));
$payment = $client->payments->create([
'amount' => [
'value' => '149900',
'currency' => 'INR',
],
'merchant_order_id' => 'order_982341',
'customer' => [
'email' => 'buyer@example.com',
'phone' => '9876543210',
],
'checkout' => [
'mode' => 'hosted',
'return_url' => 'https://payrok.in/thank-you',
],
]);
// Redirect customer to $payment->checkout_urlLive transaction dashboard
Monitor payin volume, success rates, and instrument mix from one merchant console.
| Order ID | Instrument | Amount | Status | Time |
|---|---|---|---|---|
| ord_8f2a91 | UPI | ₹2,499.00 | Success | 2 min ago |
| ord_7c4b22 | Debit Card | ₹14,900.00 | Success | 8 min ago |
| ord_9d1e55 | Net Banking | ₹8,750.00 | Pending | 12 min ago |
| ord_3a8f77 | Wallet | ₹599.00 | Success | 18 min ago |
| ord_5b2c10 | Credit Card | ₹32,400.00 | Success | 24 min ago |
Indicative payin pricing
| Instrument | Merchant discount rate | Settlement |
|---|---|---|
| UPI | 0% | T+1 standard |
| Debit Card (Domestic) | 0.4% | T+1 standard |
| Credit Card (Domestic) | 2% | T+1 standard |
| Net Banking | 1.5% + ₹6 | T+1 standard |
| Wallets | 1.8% | T+1 standard |
| EMI | 2.5% | T+1 standard |
| BNPL | 3% | T+1 standard |
Final commercials depend on underwriting. See Pricing for the full rate sheet.