APIs that respect your time
Clean REST, per-app API keys with scoped access, DLT-compliant messaging out of the box. Integrate the gateway in a day; wire OTPs in an hour.
Payments API
Create orders, accept UPI/cards/netbanking, receive signed webhooks for every state change, and reconcile with a single ledger feed.
OTP API
Send and verify OTPs over SMS, email or WhatsApp with your app's own DLT-registered templates. Rate-limited, hashed at rest, replay-safe.
Messaging API
Transactional SMS and email from approved templates — payment confirmations, receipts, reminders — with per-app sender identities.
Send an OTP in one call
Your app gets a scoped API key; templates are matched to your purpose automatically.
curl -X POST "https://api.payg.in/otp?action=send" \
-H "X-API-Key: app_your_key_here" \
-H "Content-Type: application/json" \
-d '{"channel":"sms","to":"98XXXXXXXX","purpose":"merchant_registration"}'
# then validate what the user typed
curl -X POST "https://api.payg.in/otp?action=verify" \
-H "X-API-Key: app_your_key_here" \
-d '{"channel":"sms","to":"98XXXXXXXX","code":"482913","purpose":"merchant_registration"}'
Scoped keys
Every product gets its own key with only the scopes it needs — rotate in one click without touching other apps.
DLT built-in
All SMS routes through DLT-registered headers and templates — compliance is the default, not your problem.
Sandbox first
UAT environment with test credentials mirrors production exactly. Ship with confidence.