Introduction

Seven production APIs behind one key, one signature scheme and one response envelope.

The Payonclick External Integration APIs let you resell money transfer, bill payment, mobile & DTH recharge, AEPS, Micro ATM, UPI Cash Point and identity verification from your own product. Every endpoint below is live in production and shares a single authentication scheme — integrate once, call any product.

Free DMT

Domestic money transfer over IMPS, with OTP-verified remitters and penny-drop beneficiary checks.

/ext/v1/dmt

BBPS

Bharat Connect bill payment across 30 categories and 22,000+ billers.

/ext/v1/bbps

Recharge

Prepaid mobile and DTH recharge for the major Indian operators, from your MAIN wallet.

/ext/v1/recharge

AEPS

Aadhaar cash withdrawal, balance, mini statement, Aadhaar Pay and cash deposit at your own outlets, with outlet onboarding and eKYC.

/ext/v1/aeps

Micro ATM

Debit-card cash withdrawal, balance and mini statement on a Bluetooth card reader at your outlets, through our Android SDK.

/ext/v1/matm

UPI Cash Point

Cash withdrawal by UPI QR at your outlets: the customer pays from any UPI app and the outlet hands over cash.

/ext/v1/upicw

Verification

Bank accounts, Voter ID, Driving Licence, Vehicle RC, GSTIN and PAN → GSTIN against government sources.

/ext/v1/verify

Base URL

https://payonclick.in

There is no separate sandbox host. Keys are issued live and every call is billed against your wallet, so develop against the read endpoints (/balance, /categories, /billers, /operators) before you move money.

Getting started

Create a key

Developer › API Keys. Pick only the permissions you need and whitelist your server IP.

Sign your requests

Bearer token plus a timestamp on every call; an HMAC body signature on everything that mutates.

Check the envelope

Read success before anything else — both shapes are documented under Response Envelope.

Go live

Fund the wallet the product draws on, then call the endpoint pages in this reference in the order their Overview lists.

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Test every API in Postman first

Download the Postman collection: every endpoint below, pre-filled and signed for you. Paste your key once and send.

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Your key never leaves your browser

Paste your key into the Credentials box on the right and every request sample on every page fills itself in. It is kept in this browser only (localStorage) and is never transmitted to us.