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Featured in Forbes India • Economic Times
48 Modules • 580+ APIs

India's First
AI-Powered Fintech
Infrastructure®

Launch Connected Banking Payouts, UPI Collection, AEPS, BBPS, DMT & KYC from a single unified stack — or deploy our complete White-Label & Source-Code Platform under your own brand in days.

AK RJ SP MK
5,000+ businesses & fintechs live
50M+ transactions processed securely
ISO 27001
AI Fraud Shield Active 12-Layer Atomic Ledger
Smart Multi-Rail Failover Auto-routes in <12ms
NXT Banking • Command Center LIVE RAIL
AI Smart Routing Engine • Multi-Bank Active
99.98% Success
99.9%
Uptime SLA
50+
Live APIs
<100ms
API Latency
Connected Banking Payout
IMPS Instant • UTR #6192048812 • 0.3s
₹1,25,000
Settled
Dynamic QR Collection
UPI Auto-Webhook • 0.8s ago
+₹48,500
Verified
AI Ledger Reconciled
Batch #2026-041 • Zero Drift
₹14,98,000
Matched
POST /v1/payouts/initiate → 200 OK ✓ Signed Webhook
5000+
Fintech Apps & Portals Built
99.9%
Guaranteed Uptime SLA
50M+
Transactions Processed
24/7
Dedicated Engineering 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

Forbes India Featured

The Most Comprehensive Payment & Banking Stack in India

We combine 50+ ready-to-use APIs with intelligent multi-bank routing, real-time fraud detection, and automated ledger 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 connected banking payouts to UPI collections, bill payments to AEPS — launch a complete fintech product in minutes, not months.

48 Live Modules
693 Role Permissions
1,080+ Automated Tests

AI-Powered Intelligence

ML algorithms route to the highest-success rail, score payout risk, and optimize settlement speed automatically.

50+ Ready APIs

Connected Payouts, UPI QR, DMT, BBPS, AEPS, Recharge, Micro-ATM, and KYC verification in one ecosystem.

Sub-100ms Response

Low-latency execution with 99.9% uptime SLA, queue-backed webhooks, and enterprise-grade failover.

Bank-Grade Security

PCI DSS certified, ISO 27001, AES-256 encryption, passkeys, IP whitelisting, and 12-layer atomic ledger protection.

Developer-First

Clean REST APIs, signed webhooks, Postman collections, interactive sandbox, and comprehensive documentation.

24/7 Engineering Support

Direct solution architects, dedicated account managers, and real-time rail health monitoring around the clock.

White-Label Platform

Launch Your Own Fintech Platform

Get a production-ready, fully branded fintech platform with 48 live modules — your brand, your rules, our battle-tested technology. Go live in days, not years.

48
Live Modules
580+
APIs Active
99.9%
Uptime SLA
24/7
Expert Support

Battle-Tested Infrastructure

423,000+ lines of production code powering live financial transactions with zero data corruption — atomic engine ensures every transaction fully completes or safely reverts.

12-Layer Security

OTP verification, device fingerprinting, JWT rotation, AES-256 encryption, DDoS protection, automated fraud detection, and complete audit trails — bank-grade from day one.

Revenue from Day One

Built-in commission engine starts generating revenue immediately. Manage multi-tier agent networks, automated settlements, and real-time profit tracking out of the box.

Launch in Days, Not Years

Skip the ₹20-50 lakh custom development. Get a fully branded platform with your domain, logo, and colors — ready for production in under 48 hours.

Complete Documentation & Training

Comprehensive API docs, video tutorials, dedicated account manager, and 24/7 expert technical support. 1,080+ automated tests ensure everything works perfectly.

Continuously Updated

Monthly platform updates with new features, provider integrations, and compliance patches. Stay ahead with AI-powered fraud detection and intelligent routing.

RBI Compliant PCI DSS Certified KYC/AML Ready Forbes India Featured 1,080 Tests Passed
Start Free Trial Book a Meeting

No credit card required · Go live in 48 hours · Cancel anytime

Instant Scheduling

Book a 1-on-1 Meeting With Our Fintech Experts

Discuss your API integration, white-label launch, or technical architecture live with our solution engineers — pick a slot below or open our Calendly page directly.

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

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
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

Ready to transform your business? Start your free trial or get in touch.

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

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

Send Us a Message

We respond within 24 hours.

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