Verification & KYC APIs
Bank Account Verification PAN Verification API UPI Verification API Voter ID Verification Driving Licence VerificationPlatforms
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Schedule a ConsultationStop pre-loading wallets. Connect your own current account once and every payout is debited directly from it — IMPS, NEFT, RTGS and UPI through a single API, with live balance, instant UTR and automatic reconciliation.
Platform fee, starting per successful payout. No wallet float, no top-up delays. 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 nowWhat is Connected Banking
Connected Banking links your business current account directly to the payout platform over secure APIs. Instead of loading money into a separate wallet and paying out from there, every payout is funded straight from your own account — and every balance, debit and UTR comes back to you in real time.
Link your current account through a one-time, consent-based setup. No separate banking portal to log in to, ever again.
Each payout debits your connected account at the moment it is sent — nothing pre-loaded, nothing idle, nothing trapped in a wallet.
Balances, debits, statuses and UTRs from all your connected accounts, reconciled automatically in one place.
The difference shows up in your cash flow and your finance team's workload.
How it works
Four steps, and only the first one needs your finance team.
A single payout is funded from one account; different payouts can use different connected accounts.
Platform capabilities
Everything a treasury or operations team needs to run payouts from their own accounts with confidence.
Connect more than one current account and spread payout load across them — one integration, one dashboard.
If an account is down or low on balance, route the next payouts through another connected account without changing your integration.
Live balance for every connected account, with low-balance alerts so a payout run never fails for want of funds.
Every payout is matched to its UTR and your reference ID. No statement downloads, no spreadsheet matching.
Maker-checker approval workflows, granular roles and a tamper-proof activity log on every payout and every change.
IMPS and UPI payouts run around the clock, including weekends and holidays. NEFT and RTGS follow banking-hour windows.
Who it's for
Whatever you're sending money for, it's the same API and the same direct-from-account flow.
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
✗ Cash locked in a pre-funded wallet, earning nothing
✗ Top-up delays that stall payouts on payday
✗ Manual statement downloads and UTR matching
✗ One account down means every payout waits
✓ Money stays in your own account until it is paid out
✓ No top-ups — payouts debit your account directly
✓ Auto-reconciliation with instant UTR and webhooks
✓ Switch between connected accounts when you need to
Developer first
Pick a mode and see the request and response your team will work with — including the connected account the payout is debited from.
Test credentials, Postman collection and sample payloads — including connected-account scenarios — before you sign anything.
Real-time callbacks for success, failure and reversal. Never poll blindly again.
Every successful payout returns a UTR and the account it was debited from — ready for your books.
API reference
A small, predictable API surface — initiate a payout from a connected account, check its status, and get a webhook when it changes.
You keep your money in your own account and pay us a fixed fee per successful payout — never a percentage of the amount 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
Your business current account is connected to our payout platform over secure APIs. When you send a payout, the amount is debited directly from your own account and transferred to the beneficiary — there is no separate wallet to pre-load or top up.
With a wallet, you transfer money in advance and payouts draw from that balance. With Connected Banking your funds stay in your account until each payout is made, so there is no idle float, no top-up delay and no wallet-vs-bank reconciliation.
Yes. You can connect multiple current accounts, spread payout load across them and switch to another account if one is unavailable or low on balance. A single payout is funded from one account; different payouts can use different accounts.
We support a range of leading banks for Connected Banking. The accounts and banking partners enabled for you are finalised with our onboarding team based on your business, volumes and the accounts you already operate.
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.
You pay a fixed fee 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 and account connection.
Yes. You can test the full request and response cycle in sandbox before completing commercial onboarding and account connection.
Account connections are consent-based and access is limited to the actions you authorise. 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 — plus the current account details you want to connect. Our onboarding team walks you through it after the first call.
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.
Yes. Connected Banking payouts work 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 Connected Banking Access →Explore more
Most teams don't stop at payouts — here's what usually runs alongside this API.
Collect inbound UPI via VPA, dynamic QR and intent — then settle or refund through connected banking payouts.
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.
