Introduction
Three production APIs behind one key, one signature scheme and one response envelope.
The Payonclick External Integration APIs let you resell money transfer, bill payment 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
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) before you move money.
Getting started
1
Create a key
Developer › API Keys. Pick only the permissions you need and whitelist your server IP.
2
Sign your requests
Bearer token plus a timestamp on every call; an HMAC body signature on everything that mutates.
3
Check the envelope
Read
success before anything else — both shapes are documented under Response Envelope.
4
Go live
Fund the wallet the product draws on, then call the endpoint pages in this reference in the order their Overview lists.
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.