Verified Merchant
“We were processing payments through multiple providers. With KoshaPay, success rates improved from day one and reconciliation became much easier for our finance team.”
Accept payments. Manage funds. Stay in control.
A unified payment platform designed for businesses that need clarity and control. Accept customer payments, manage payouts, and track every transaction—all from one place.
Why KoshaPay?
Best Payment Gateway for Fast, Secure & Seamless Payments
Experience industry-leading payment processing with enterprise-grade security and the highest success rates in the market.
Payin and payout services
Everyday India pays, in one integration.
Accept payments, manage payouts, track settlements, and monitor transactions with secure APIs built for growing businesses.
Built for every payment flow
From customer payment to webhook updates and settlement tracking, KoshaPay keeps the flow clear.
PayinsWebhooksSettlement
Who uses KoshaPay services?
Payment solutions for digital businesses that need reliable collection, payout, and tracking flows.
EdTechE-commerce
API-first payment infrastructure
Clean APIs, webhook callbacks, status tracking, and developer support for faster integration.
APIWebhookSandbox
UPI
Accept UPI payments through collect, intent, QR, and AutoPay-ready flows.
UPI CollectQRIntent
Payouts
Handle bank-transfer-based movement with structured tracking and reconciliation support.
IMPSNEFTRTGS
Payment links
Generate branded payment links for invoices, SMS, WhatsApp, and support teams.
No codeWhatsApp readyCustom brand
Security and compliance
Security-first payment operations built for modern businesses.
KoshaPay helps businesses manage payment operations with a strong focus on security, reliability, and transparency. The platform is designed to support protected API communication, transaction-level traceability, reliable status updates, webhook-based notifications, reconciliation workflows, and clean audit-ready payment records. Whether you are handling payins, payouts, merchant settlements, or high-volume transaction flows, KoshaPay gives your team the visibility and control needed to operate payments safely and efficiently.
Secure API access
API-key based access, role permissions, and merchant-level isolation.
Signed webhooks
Verify inbound and outbound events using hash-based payload validation.
Data protection
Sensitive keys and payment details are handled with strong security practices.
Risk alerts
Detect transaction failures, channel issues, and suspicious operational patterns early.
How it works
From Signup to First Payment in Hours
No complex onboarding. No weeks of waiting. Start accepting payments and managing payouts quickly.
STEP 01
Create Your Account
Sign up with your business details and complete a simple onboarding flow to get started with KoshaPay.
Quick business onboardingMerchant dashboard accessSecure account setup
STEP 02
Integrate Our API
Connect your website, app, or backend system using clean APIs, webhook callbacks, and developer-friendly documentation.
Payin and payout APIsWebhook event supportSandbox testing flow
STEP 03
Start Processing Payments
Accept UPI and online payments, manage payouts, and track every transaction from one simple platform.
UPI payment collectionPayout and settlement supportReal-time transaction status
STEP 04
Monitor & Optimize
Use reports, transaction visibility, and payment insights to monitor performance and improve business operations.
Live payment dashboardSuccess rate trackingSettlement and report visibility
Pricing
Simple, transparent pricing. No surprises.
No monthly fees for getting started. Pay only for what your business processes.
Pay As You Grow
2%
Simple pricing for businesses accepting online payments.
- Payment collection API
- Real-time reporting
- Full API access
- Webhook support
- Email support
Popular
Payouts & Settlements
1%
For merchants who need smooth payout and settlement management.
- Merchant payout management
- Settlement tracking
- Dedicated integration support
- Priority support
Custom Requirements
Custom
For unique payment flows and high-volume operations.
- Custom payment flows
- Dedicated account management
- SLA guarantees
- Advanced compliance features
Merchant stories
Trusted by Growing Businesses Across India
Merchants, platforms, and service businesses use KoshaPay to manage payins, payouts, settlements, and payment visibility from one place.
Resources
Latest payment insights from KoshaPay.
Read practical guides on payment collection, payouts, settlements, refunds, and reconciliation for growing businesses.
Guides
March 20265 min read
Webhook Callbacks: Why They Matter in Payment Systems
Webhooks help merchants receive real-time transaction status updates for successful, failed, pending, or refunded payments.
Read article
Guides
March 20265 min read
Security Basics Every Payment Gateway Should Follow
From API authentication to webhook verification, learn the basic controls that help protect payment operations.
Read article
Business
March 20264 min read
Why Real-Time Transaction Monitoring Matters
Real-time monitoring helps support, operations, and finance teams quickly identify failed, pending, and successful transactions.
Read article
Questions
Everything you need to know before going live
Quick answers about KoshaPay onboarding, supported payment methods, payins, payouts, pricing, and integration.
Still have questions?
Talk to our team and get help with onboarding, API integration, pricing, payins, payouts, and settlements.
Most integrations take 2–5 days from start to production. Our API documentation is comprehensive, and our support team is available to help your developers get up and running quickly.
We support a wide range of payment methods including cards, UPI, net banking, and digital wallets. Reach out to discuss specific requirements for your use case.
Settlement timelines depend on your payout configuration. We offer same-day settlement options, and can discuss custom arrangements based on your volume and use case.
Our API is designed to handle sensitive data securely on your behalf, which reduces your PCI compliance burden. We can provide detailed guidance on what you need to do on your end.
Our support team responds to technical issues promptly. We also provide comprehensive API documentation and status monitoring so you can track system health in real time.
We're always open to feedback. If you have specific payment flow requirements, our team can discuss whether we can accommodate them.
Ready to Build Payment Operations You Can Trust?
Get started with KoshaPay today. No credit card required. No sales pitch. Just a straightforward path to reliable payment operations.