99.9% uptime SLA with sub-100ms responses across the entire fintech stack.
Get StartedConfirm beneficiary name & account status in real time before every payout.
Explore APINo slabs. No percentage games. No month-end surprises. Send payouts at scale from your own platform — IMPS, NEFT, RTGS and UPI, with instant UTR and a sandbox you can test today.
Starting per successful payout. Price drops further at higher volumes. Volume-based rate card shared on request.
Rate card + sandbox credentials — usually within a few hours.
Our team will share the rate card and sandbox credentials with you shortly — usually within a few working hours.
💬 Chat with us nowWho it's for
Whatever you're sending money for, it's the same API and the same flat charge.
Clear hundreds of invoices in one batch. Every payout returns a UTR you can drop straight into your books.
Run payroll from your own system on payday — IMPS credits in seconds, no bank portal, no manual files.
Push refunds the moment they're approved instead of making customers wait for a cycle.
Settle thousands of sellers on schedule with webhooks confirming every single transfer.
Automate commission disbursal across a multi-tier network without a single spreadsheet.
Disburse loans and claims instantly after approval, with a full audit trail on every rupee.
Why teams move to NXT
✗ Percentage pricing that grows with your volume
✗ Weeks of onboarding before a sandbox
✗ Failed payouts with no clear status
✗ Support tickets that go nowhere
✓ One flat charge per successful payout
✓ Sandbox and docs before you commit
✓ Real-time webhooks and instant UTR
✓ Dedicated account manager, 24/7 support
Developer first
Pick a mode and see the exact request and response your team will work with.
Test credentials, Postman collection and sample payloads — before you sign anything.
Real-time callbacks for success, failure and reversal. Never poll blindly again.
Every successful payout returns a UTR you can hand straight to your customer.
API reference
A small, predictable API surface — initiate a payout, check its status, and get a webhook when it changes.
No slabs and no percentage of the transferred amount — the same fixed fee applies whatever you send.
Illustrative percentage-pricing figures shown for comparison only. Your exact NXT rate depends on volume and payout mix — request the rate card for precise numbers.
Don't just use the API — sell it. Get a production-ready, fully branded payout platform with your domain, logo and colours. 48 live modules, multi-tier agent network and a built-in commission engine, ready in days.
Our founder Dr. Anvesh Tiwari was honoured with the AI & Deep-Tech Entrepreneur of the Year award at the ET NOW Business Conclave & Awards 2026 (West Edition), presented by the Hon'ble Deputy Chief Minister of Maharashtra.
NXT Banking is built by Laraware — an AI-native engineering company with 12+ years of leadership, 580+ APIs in production and a 4.9★ Google rating. The same team that builds for banks and enterprises now runs your payouts.
Security & compliance
The same infrastructure standards our banking and enterprise clients demand.
Questions
You pay a fixed charge per successful payout instead of a percentage of the amount. A ₹500 payout and a ₹5,00,000 payout cost you the same. Your exact rate depends on volume and payout mix — request the rate card and we'll share it.
Most teams go live within a few days. You get REST APIs, a sandbox, a Postman collection and full documentation, plus a technical contact during integration.
IMPS (24×7), NEFT, RTGS and UPI. Every successful payout returns a UTR, and webhooks notify you of success, failure or reversal in real time.
Yes. You can test the full request and response cycle in sandbox before completing commercial onboarding.
A fully branded payout platform running on our infrastructure — your domain, logo and colours, with 48 live modules, multi-tier agent management and a built-in commission engine.
We run PCI DSS Level 1 and ISO 27001 certified infrastructure with AES-256 encryption, IP whitelisting, 2FA, RBAC and tamper-proof audit logs. Data stays in India.
Standard business KYC — company registration, PAN, GST and authorised signatory details. Our onboarding team walks you through it after the first call.
Yes. The payout API works standalone for your own systems. The white-label platform is an optional add-on if you also want to launch your own branded payout business on top of it.
Get the rate card and sandbox credentials. No commitment, no credit card — just the numbers and the docs.
Get API Access →Explore more
Most teams don't stop at payouts — here's what usually runs alongside this API.
Confirm the beneficiary account and name match in under a second before every payout — no penny-drop, no failed transfers.
Launch payouts as part of your own branded fintech platform, with 48 modules and a built-in commission engine.