KoshaPay services
Payment services built for fast-moving businesses.
Explore KoshaPay’s payin, payout, wallet, settlement, and payment collection solutions in detail. Every service is designed to help merchants move money faster, track transactions clearly, and manage operations with confidence.
Built for every payment flow
KoshaPay is designed to support practical payment operations where every transaction can be processed, tracked, updated, and reconciled with better visibility. Merchants can understand how payments move from customer checkout to final settlement.
Customer initiates payment
Transaction is securely processed
Webhook update is sent to merchant system
Transaction status can be tracked
Settlement movement is monitored
Who uses KoshaPay services?
KoshaPay supports different types of online businesses that need secure payment collection, smooth payout operations, and transaction visibility. It helps merchants manage payments with better control across business models.
EdTech platforms
E-commerce stores
Travel businesses
Insurance brokers
Vendor payout businesses
API-first payment infrastructure
KoshaPay provides API-first payment infrastructure for merchants and developers who need secure, structured, and reliable payment integration. From payment creation to status checks and webhook updates, the platform is built to support modern digital payment workflows.
Clean payment APIs
Webhook callbacks for transaction updates
Transaction status APIs
Sandbox testing support
Secure authentication
Developer support for integration
UPI
KoshaPay enables businesses to accept fast and secure UPI payments across multiple customer journeys. Merchants can collect payments using UPI Collect, QR codes, UPI Intent, and AutoPay-ready flows while maintaining clear transaction visibility, status tracking, and reconciliation support.
Instant UPI payment collection
QR and intent-based checkout support
Transaction status tracking
Webhook-based payment updates
Easy reconciliation for finance teams
Payouts
Manage bank-transfer payments with structured transaction records and clear settlement visibility. KoshaPay helps merchants track IMPS, NEFT, and RTGS-based movement with better operational control and audit-ready reporting.
Support for major bank transfer modes
Clear payment tracking
Settlement visibility
Useful for vendor and merchant payments
Finance-ready transaction records
Payment links
Create simple payment links that can be shared with customers through SMS, WhatsApp, email, invoices, or support chats. Payment links help businesses collect payments without building a full checkout experience.
No-code payment collection
Share links on WhatsApp, SMS, or email
Useful for support and sales teams
Track link payment status
Simple checkout experience for customers
Recurring payments
KoshaPay supports recurring payment workflows for subscription-based businesses, membership platforms, renewal payments, and repeat billing use cases. Businesses can create smoother payment experiences for customers with mandate-ready flows.
Subscription payment support
UPI AutoPay-ready workflows
Mandate-based collection journeys
Renewal payment tracking
Better customer retention workflows
Merchant wallet
The merchant wallet gives businesses better visibility over available balance, reserve balance, settlements, refunds, payout movement, and operational cash flow. It helps finance and operations teams understand payment movement in one place.
Available balance tracking
Reserve and settlement visibility
Refund and payout movement records
Ledger-style transaction clarity
Useful for audit and reconciliation
Questions about payins, payouts, APIs, and webhooks
Understand how KoshaPay helps your business collect payments, send payouts, track transaction status, and automate payment updates through APIs and webhooks.
Still have questions?
Talk to our team and get help with onboarding, API integration, pricing, payins, payouts, and settlements.
Payin means collecting money from your customers into your business account. With KoshaPay, you can accept online payments through UPI, cards, net banking, payment links, and other supported payment methods.
Payout means sending money from your business account to users, vendors, partners, employees, or bank accounts. KoshaPay helps businesses process payouts securely with clear transaction tracking.
Yes. KoshaPay supports UPI collections so your customers can pay quickly using UPI apps. UPI is useful for fast checkout, payment links, and high-volume digital payment flows.
Yes. You can send payouts to vendors, users, partners, or other beneficiaries. KoshaPay helps you manage payout status, transaction references, and payment records from one platform.
Yes. KoshaPay provides API integration for payins, payouts, transaction status checks, and webhook callbacks. Your website, mobile app, or internal system can connect directly with KoshaPay APIs.
Yes. You can track transaction status for both payins and payouts. KoshaPay helps you monitor whether a transaction is initiated, pending, successful, failed, refunded, or settled, depending on the transaction flow.
Yes. KoshaPay supports webhook callbacks so your system can receive automatic transaction updates. This helps you update order status, payout status, and internal records without manually checking every transaction.