Powering Payments. Connecting Businesses.
Simplify how your business accepts payments, manages transactions, and delivers seamless digital experiences through a unified multi-bank payment gateway and nationwide BBPS utility technology platform.
Multi-Bank AI Routing Engine
Eliminate single-point gateway failures. MSPay continuously monitors bank health scores and auto-diverts traffic to deliver industry-leading success rates.
Dynamic Bank Failover
If an acquiring bank node experiences latency or downtime, payments automatically switch to secondary partner banks within 40 milliseconds without user disruption.
+3.8% Success Rate Lift →Sub-Second Switch Latency
High-throughput asynchronous event architecture handles over 2,500 transactions per second per tenant with an average processing latency under 750ms.
99.99% Uptime Guarantee →Zero-Knowledge Token Vault
Full compliance with the RBI tokenization directive. Card data is substituted with cryptographic network tokens for seamless 1-click repeated checkouts.
PCI DSS Level 1 Certified →Payment Solutions Built for Scale
Payment Gateway
High-performance acquiring engine supporting 100+ payment methods, automated retries, and instant webhook triggers.
UPI Stack (Intent & QR)
Deep-linked UPI app switching (GPay, PhonePe, Paytm, BHIM) and dynamic real-time QR generation for 0% drop-off.
Card Payments & Tokenization
Accept Visa, Mastercard, RuPay, and Amex with RBI-compliant token vault and 3D Secure 2.0 biometric auth.
Direct Net Banking
Integrations with 50+ public and commercial banks with instant settlement notifications and zero manual reconciliation.
Digital Wallets
Seamless one-touch payments via Amazon Pay, PhonePe Wallet, Paytm, and leading Indian closed/semi-closed wallets.
Instant Payouts Switch
Disburse vendor commissions, affiliate rewards, and customer refunds 24/7 via IMPS, NEFT, RTGS, and UPI rails.
Test MSPay Smart Checkout Experience
Experience our responsive, 1-click modal checkout designed to reduce cart abandonment and increase conversion rates by up to 24%.
Bharat BillPay (BBPS) & Digital Utility Rail
Empower your retailer network, mobile app, or ERP with direct connection to 20,000+ official utility billers, mobile recharges, FASTag toll systems, and travel ticketing.
Select a utility category and click "Fetch Live Bill Details" to test the simulated NPCI BBPS response.
Travel Booking API
Integrated inventory for flight tickets, bus routes, trains, and hotels.
Learn more →Integrate in Minutes, Not Weeks
Explore battle-tested REST APIs, webhooks with HMAC signatures, and comprehensive SDKs for React, Next.js, Node.js, Python, Flutter, Android, and iOS.
curl -X POST https://api.mspay.in/v2/orders \
-H "Authorization: Bearer sec_live_98ab7621c90" \
-H "Content-Type: application/json" \
-d '{
"amount": 250000,
"currency": "INR",
"receipt": "order_rcpt_10982",
"customer": {
"name": "Dev Sharma",
"email": "dev@company.com",
"phone": "+919876543210"
},
"payment_capture": 1
}'Dynamic Pricing Calculator
Direct multi-bank routing
Transparent flat fee
Vs legacy aggregators
Everything Included in Standard & Enterprise Tiers
Got Questions? We Have Answers.
Find detailed answers about technical integration, settlement cycles, RBI tokenization, and our BBPS network.
Ready to Upgrade Your Payment Infrastructure?
Join hundreds of forward-thinking enterprises, digital marketplaces, and distributor networks powered by MSPay multi-bank technology.