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Featured in Forbes India

India's First
AI-Powered Fintech
Stack®

50+ production-ready payment APIs with intelligent routing, real-time fraud detection, and automated reconciliation. Go live in minutes, not months.

AK RJ SP MK
5,000+ businesses trust us
50M+ transactions processed
NxtBanking Dashboard
99.9%
Uptime
50+
APIs
<100ms
Latency
Payout Completed
IMPS • 0.3s ago
+₹25,000
UPI Collection
VPA • 1.2s ago
+₹15,500
AI Reconciled
Batch #2026-041 • Auto
₹1,98,000
5000+
Apps Built
99.9%
Uptime SLA
50M+
Transactions
24/7
Expert Support
Why Choose Us

Not Just Another Payment Gateway

India's only AI-powered fintech infrastructure — built by UP's first Forbes-featured technology company

The Most Comprehensive Payment API Platform in India

We combine 50+ ready-to-use APIs with intelligent routing, real-time fraud detection, and automated reconciliation — all in one platform.

Featured in Forbes India, we've delivered 5,000+ applications and processed over 50 million transactions with 99.9% uptime.

From mobile recharge to money transfers, bill payments to AEPS — build a complete fintech app in minutes, not months.

AI-Powered Intelligence

ML algorithms route to best gateway, detect fraud, and optimize success rates automatically.

50+ Ready APIs

Recharge, DMT, BBPS, AEPS, UPI, payout, insurance, travel — complete ecosystem.

Sub-100ms Response

Lightning-fast with 99.9% uptime SLA and enterprise-grade infrastructure.

Bank-Grade Security

PCI DSS certified, ISO 27001, 256-bit encryption, and advanced fraud prevention.

Developer-First

REST APIs, SDKs, Postman collections, sandbox, and comprehensive docs.

24/7 Support

Dedicated technical support, account managers, and real-time monitoring.

Core Features

Powerful AI-Driven Features

Built with cutting-edge technology to deliver unmatched performance and reliability

AI Smart Routing

Intelligent transaction routing that automatically selects the best payment gateway based on success rates, cost, and latency.

Real-time Fraud Detection

Advanced ML algorithms monitor every transaction in real-time, detecting and preventing fraudulent activities instantly.

Auto Reconciliation

Automated settlement reconciliation eliminates manual work, reducing errors and saving hours of processing time.

Analytics Dashboard

Comprehensive real-time analytics with AI-powered insights to help you make data-driven decisions.

Lightning Fast APIs

Sub-100ms response times with 99.9% uptime guarantee. Built for scale with enterprise-grade infrastructure.

Bank-Grade Security

256-bit SSL encryption, 2FA, and compliance with PCI DSS, ISO 27001 standards. Your data is always safe.

Featured In & Trusted By
API Ecosystem

50+ Production-Ready APIs

Everything you need to build a complete fintech platform. No multiple providers needed.

All APIs Payments Banking Bill Pay

Mobile & DTH Recharge

12+ APIs • 99.5% Success
  • Prepaid Mobile Recharge
  • Postpaid Bill Payment
  • DTH Recharge (All)
  • AI Operator Detection
  • Plan Recommendation
  • Transaction Status
InstantAll OperatorsAuto-Retry

Money Transfer (DMT)

15+ APIs • Instant Settlement
  • IMPS Transfer
  • NEFT Transfer
  • UPI Transfer
  • Beneficiary CRUD
  • Bank Verification
  • Auto-Reconciliation
IMPS 24x7Multi-BankSecure

Bill Payment (BBPS)

200+ Billers • Official BBPS
  • Electricity (All States)
  • Water & Gas
  • Broadband & Landline
  • Credit Card Pay
  • Loan EMI
  • Insurance Premium
BBPS Certified200+ Billers

AEPS & Banking

10+ APIs • Aadhaar Enabled
  • Cash Withdrawal
  • Balance Enquiry
  • Mini Statement
  • Aadhaar Pay
  • Account Verification
  • IFSC Lookup
NPCI ApprovedBiometric

Financial Services

8+ APIs • Instant
  • PAN Card (e-PAN)
  • PAN Verification
  • Fastag Recharge
  • LIC Premium
  • Insurance
  • Mutual Funds
VerifiedCompliant

Digital Payments & UPI

6+ APIs • Real-time
  • UPI Collection
  • QR Code Generation
  • UPI Intent
  • Payment Gateway
  • Wallet Services
  • Virtual Accounts
UPIQR CodeInstant
AI Technology

Powered by Advanced Artificial Intelligence

India's first fintech with built-in AI for smart routing, fraud detection, and automated operations.

AI Smart Routing

Proprietary algorithms route each transaction to the best gateway based on real-time performance.

  • Real-time gateway monitoring
  • Auto failover & load balancing
  • Save up to 40% on costs
  • 15% success rate improvement

Fraud Detection

ML models trained on millions of transactions detect fraudulent patterns in real-time.

  • Behavioral analysis
  • Device fingerprinting
  • Anomaly detection (ML)
  • Risk scoring (0-100)

Auto Reconciliation

AI matches transactions, settlements, and refunds across providers automatically.

  • Auto transaction matching
  • Discrepancy detection
  • Real-time alerts
  • Financial report automation

Predictive Analytics

AI-powered insights predict trends and help you make data-driven decisions.

  • Revenue forecasting
  • Customer behavior prediction
  • Churn risk detection
  • BI dashboards

Self-Healing Infra

24/7 AI monitoring detects and fixes issues before they impact your business.

  • Auto error recovery
  • Predictive maintenance
  • Auto-scaling on load
  • Performance tuning

Smart Notifications

Right message, right time, right channel — AI-optimized communication.

  • Channel optimization
  • Personalized messaging
  • Webhook automation
  • Smart retry logic
40%
Cost Reduction via Smart Routing
95%+
Transaction Success Rate
80%
Faster Integration Time
Use Cases

Powering Innovation Across Industries

From fintech startups to enterprise banking — our APIs power digital transformation.

Fintech Startups

Launch in Days, Not Months

50+ ready APIs with built-in compliance, security, and AI optimization.

  • Complete payment infra
  • Built-in KYC & compliance
  • White-label ready
  • 80% faster time-to-market
Digital Wallets

Build India's Next Super Wallet

Recharge, bill pay, money transfer, UPI — all in one platform.

  • Multi-service wallet APIs
  • UPI & QR payments
  • P2P transfer
  • Cashback engine
E-commerce

Payment Solutions for Stores

Payment gateway, refunds, settlement with AI fraud detection.

  • Multiple payment methods
  • Instant refunds
  • Split payments
  • Subscription billing
Neobanks

Next-Gen Banking Apps

Complete banking API suite with regulatory compliance built-in.

  • Account opening & KYC
  • Money transfer
  • Loan disbursement
  • RBI compliant
Aggregators

Payment Aggregation

White-label infrastructure for your aggregation business.

  • Multi-merchant mgmt
  • Settlement processing
  • Commission engine
  • White-label dashboard
B2B Platforms

Enterprise Solutions

Scalable APIs for bulk payments, payroll, and vendor management.

  • Bulk processing
  • Vendor automation
  • Approval workflows
  • Dedicated manager
2000+
Fintech Startups
500+
E-commerce Platforms
300+
Digital Wallets
100+
Banking Apps
Developer Resources

Everything You Need to Build

Comprehensive API documentation, tools, and resources for seamless integration.

API Documentation

Complete OpenAPI 3.0 specification with interactive testing.

Developer Tools

Test, debug, and monitor your integrations in real-time.

Integration Resources

SDKs, code examples, and ready-to-use collections.

Security

Bank-Grade Security

Military-grade encryption and compliance with all major international standards.

256-bit SSL Encryption

All data encrypted using industry-standard 256-bit SSL/TLS — same level as banks worldwide.

API Key Management

Secure key generation, rotation, revocation with IP whitelisting for enhanced security.

Two-Factor Auth

Mandatory 2FA for sensitive operations. SMS OTP, email, and authenticator app support.

Role-Based Access

Granular RBAC permissions. Define exactly who can do what in your organization.

Audit Logs

Complete tamper-proof audit trail of all API calls, user actions, and system events.

IP Whitelisting

Restrict API access to authorized servers only. Extra layer of security.

Real-time Monitoring

24/7 AI-powered threat detection with instant alerts on suspicious activities.

Data Residency (India)

ISO 27001 certified data centers in India. Full data localization compliance.

DDoS Protection

Advanced DDoS mitigation. Your APIs stay online even during large-scale attacks.

PCI DSS Level 1
Payment Card Certified
ISO 27001:2013
Info Security Certified
RBI Compliant
Reserve Bank Guidelines
GDPR Ready
Data Privacy Compliant
Contact

Let's Build Something Amazing

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Contact Information

Our team is here to help you build and scale your fintech application.

Call Us

+91 0731-462-1515
Mon-Sat, 10AM - 7PM IST

Nodal Officer

nodal@laraware.com

Registered Office

NxtBanking
B-2/64, Vibhutikhand, Gomtinagar
Lucknow, UP, India - 226010

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We respond within 24 hours.

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