# airpay > airpay (airpay payment services) is an RBI-approved, full-stack payments platform from India serving 332K+ merchants with 2Bn+ transactions processed. One gateway across all modes: accept payments online (gateway, UPI, subscriptions, links), offline (POS, QR, soundbox, CMS), omnichannel and cross-border; make payouts; and manage settlements, reconciliation and analytics from a unified dashboard. Certified for PCI DSS, PCI PIN, P2PE, ISO 27001, ISO 20000-1, ISO 22301, SOC 1 and SOC 2. Key facts: - Markets: India (airpay.co.in), UAE (airpay.ae), Tanzania (airpay.tz) - Developer docs: https://docs.airpay.co.in/ - Agent guidance / skill file: https://airpay.co.in/AGENTS.md - MCP server: https://mcp.airpay.co.in/mcp - Glossary: https://airpay.co.in/glossary.md · Sitemap: https://airpay.co.in/sitemap.md - Sign up: https://grow.airpay.co.in/signup · Merchant login: https://ma.airpay.co.in/ - Support: +91-20-6911-0300 · customerservice@airpay.co.in · Fraud: dispute@airpay.co.in ## Accept Payments — Online - [Payment Gateway](https://airpay.co.in/online/payment-gateway.md): Secure online transaction processing across cards, UPI, net banking and wallets. - [Subscriptions](https://airpay.co.in/online/subscriptions.md): Recurring billing made effortless. - [Virtual Accounts](https://airpay.co.in/online/virtual-accounts.md): Track payments with virtual IDs. - [Pay by Link](https://airpay.co.in/online/pay-by-link.md): Share links, get paid instantly. - [Invoicepay](https://airpay.co.in/online/invoicepay.md): Hosted payment pages for quick checkout. - [Dash Checkout](https://airpay.co.in/online/dash-checkout.md): A checkout built to boost conversions and reduce cart abandonment. ## Accept Payments — Offline - [POS](https://airpay.co.in/offline/POS.md): In-store card acceptance made easy. - [QR](https://airpay.co.in/offline/QR.md): Scan & pay UPI collections. - [CMS (Cash Management Services)](https://airpay.co.in/offline/CMS.md): End-to-end cash lifecycle control. - [Soundbox](https://airpay.co.in/offline/soundbox.md): Instant audio payment alerts. - [Soft POS](https://airpay.co.in/offline/soft-POS.md): Turn a smartphone into a POS terminal. ## Omnichannel & International - [Omnichannel](https://airpay.co.in/omnichannel.md): One platform for all online & offline payment channels. - [airpay EXIM](https://airpay.co.in/international-payments/exim.md): Cross-border payments for exporters and importers. - [Accept Payments From India](https://airpay.co.in/international-payments/accept-payments-from-india.md): Seamless INR transactions for global businesses. ## UPI, Affordability, Manage & Make Payments - [Unified Payments (UPI Suite)](https://airpay.co.in/unified-payments.md): Smart UPI routing engine — the fastest lane for UPI payments. - [Affordable Payments](https://airpay.co.in/affordable-payments.md): Enable EMI, Brand EMI and BNPL options. - [Affordability Widget](https://airpay.co.in/affordability-widget.md): Boost conversions by surfacing EMI offers on product pages. - [Split Settlement](https://airpay.co.in/manage-payments/split-settlements.md): Auto-split payments between parties instantly. - [Reconciliation & Settlement](https://airpay.co.in/manage-payments/reconciliation-settlement.md): Settle and track payments in one click. - [Connected Banking](https://airpay.co.in/make-payments/connected-banking.md): Seamless fund transfers, instantly. - [Prepaid Cards](https://airpay.co.in/make-payments/prepaid-cards.md): Fast, secure, co-branded prepaid cards. ## Value Added Services - [Business Loans](https://airpay.co.in/value-added-services/business-loans.md): Quick funds to grow your business. - [Campaign Management](https://airpay.co.in/value-added-services/campaign-management.md): Create and manage offers. - [Risk & AML](https://airpay.co.in/value-added-services/risk-and-aml-solutions.md): Built-in fraud & AML checks. - [Account Validation](https://airpay.co.in/value-added-services/account-validation.md): Verify bank accounts instantly. - [e-Sign](https://airpay.co.in/value-added-services/e-sign.md): Paperless signing, faster deals. ## Solutions - [D2C & Retail Solutions](https://airpay.co.in/solutions/direct-to-customer.md): Payments that grow with your D2C brand. - [Education Solutions](https://airpay.co.in/solutions/education.md): Simplify fee collections for schools and institutes. - [Hospitality Solutions](https://airpay.co.in/solutions/hospitality.md): Simplify guest payments for hotels & restaurants. - [Government Solutions](https://airpay.co.in/solutions/government.md): Secure payments for the public sector. - [Healthcare Solutions](https://airpay.co.in/solutions/healthcare.md): Easy, compliant patient payments. - [NBFC / BFSI Solutions](https://airpay.co.in/solutions/nbfc.md): Faster lending collections and payouts. - [Automotive Solutions](https://airpay.co.in/solutions/automotive.md): Drive sales with easy payments. - [Travel Solutions](https://airpay.co.in/solutions/travel.md): Smooth bookings, faster payments. - [SaaS Solutions](https://airpay.co.in/solutions/SAAS.md): Recurring payments made easy. - [Gems & Jewellery Solutions](https://airpay.co.in/solutions/gems-and-jewellery.md): Trusted payments for high-value transactions. - [Logistics Solutions](https://airpay.co.in/solutions/logistics.md): Payments that fit your delivery workflow. - [E-commerce Solutions](https://airpay.co.in/solutions/ecommerce.md): Zero friction, faster checkouts. - [Wix Payment Gateway](https://airpay.co.in/no-code/wix-payment-gateway.md): Easy payments for Wix stores. - [Shopify Payment Gateway](https://airpay.co.in/no-code/shopify-payment-gateway.md): Smarter payments for Shopify stores. - [Fynd Integration](https://airpay.co.in/no-code/fynd.md): Instant payments on Fynd. - [Zoho Integration](https://airpay.co.in/no-code/zoho.md): Simplified payments in Zoho. - [Magento Payment Gateway](https://airpay.co.in/no-code/magento-payment-gateway.md): Scalable payments for Magento stores. ## Developers - [Integrations](https://airpay.co.in/developer-hub/integrations.md): Connect systems effortlessly. ## Company, Resources & Support - [Partner with Us](https://airpay.co.in/partner-with-us.md): Partnership programs for banks, platforms and resellers. - [Company Overview](https://airpay.co.in/about-us/company-overview.md): What airpay does and why it matters. - [Culture](https://airpay.co.in/about-us/culture.md): People, values and mindset at airpay. - [Media Centre](https://airpay.co.in/about-us/media-center.md): News, press and resources. - [Blog](https://airpay.co.in/blog.md): Insights on payments, fintech and growth. - [Case Studies](https://airpay.co.in/case-studies.md): How businesses grow with airpay. - [FAQs](https://airpay.co.in/faq.md): Frequently asked questions. - [Payments Glossary](https://airpay.co.in/glossary.md): Definitions of payment terms used across airpay.co.in. - [Contact Us](https://airpay.co.in/contact-us.md): Get in touch with airpay. - [Acquiring Support — Customer Grievance Reporting](https://airpay.co.in/enterprise-support.md): Grievance reporting for acquiring/enterprise merchants. - [Vyaapaar Support — Customer Grievance Reporting](https://airpay.co.in/vyaapaar-support.md): Grievance reporting for airpay Vyaapaar users. - [airpay — All Your Payments, One Seamless Platform](https://airpay.co.in/index.md): RBI-approved full-stack payments platform for online, in-store and cross-border payments. ## Optional - [Customer Grievances Policy](https://airpay.co.in/customer-grievances.md): Grievance redressal policy. - [Merchant Onboarding Policy](https://airpay.co.in/merchant-onboarding.md): Merchant onboarding norms and requirements. - [Fraud Alert](https://airpay.co.in/fraud-alert.md): Fraud awareness and reporting. - [Terms & Conditions](https://airpay.co.in/terms-and-condition.md): Terms of service. - [Privacy Policy](https://airpay.co.in/privacy-policy.md): How airpay handles personal data. --- # Full page content ## airpay — All Your Payments, One Seamless Platform URL: https://airpay.co.in Breadcrumb: Home RBI-approved full-stack payments platform for online, in-store and cross-border payments. airpay is an RBI-approved, 100% licensed and compliant payments platform serving 332K+ merchants with 2Bn+ transactions processed. It offers a single gateway across all payment modes: accept payments (online, offline, omnichannel, international), make payments (payouts, refunds, vendor payments), and manage payments (settlements, reconciliation, analytics) from a unified dashboard. Certifications include PCI DSS, PCI PIN, P2PE, ISO 27001, ISO 20000-1, ISO 22301, SOC 1 and SOC 2. ## Payment Gateway URL: https://airpay.co.in/online/payment-gateway Breadcrumb: Payments > Accept Payments > Online Secure online transaction processing across cards, UPI, net banking and wallets. airpay's payment gateway enables businesses to accept online payments securely across cards, UPI, net banking and wallets, with API, SDK (web, mobile, iFrame, inline) and no-code integration options, real-time monitoring and a fast, conversion-optimised checkout. ## Subscriptions URL: https://airpay.co.in/online/subscriptions Breadcrumb: Payments > Accept Payments > Online Recurring billing made effortless. Automate recurring payments and subscription billing — manage plans, renewals, retries and automated collections with minimal manual effort. Suited for SaaS, OTT, education and any recurring-revenue business. ## Virtual Accounts URL: https://airpay.co.in/online/virtual-accounts Breadcrumb: Payments > Accept Payments > Online Track payments with virtual IDs. Issue unique virtual account numbers to customers, vendors or partners so every incoming payment is automatically identified and reconciled. Ideal for NBFCs, marketplaces and businesses collecting from many counterparties. ## Pay by Link URL: https://airpay.co.in/online/pay-by-link Breadcrumb: Payments > Accept Payments > Online Share links, get paid instantly. Create and share payment links over SMS, WhatsApp, email or any channel — no website or integration required. Customers pay via card, UPI, net banking or wallets. ## Invoicepay URL: https://airpay.co.in/online/invoicepay Breadcrumb: Payments > Accept Payments > Online Hosted payment pages for quick checkout. Hosted invoice and payment pages that let businesses collect against invoices quickly without building their own checkout. ## Dash Checkout URL: https://airpay.co.in/online/dash-checkout Breadcrumb: Payments > Accept Payments > Online A checkout built to boost conversions and reduce cart abandonment. Dash Checkout is airpay's conversion-optimised checkout for D2C and e-commerce brands, designed to reduce cart abandonment with a fast, frictionless payment experience. ## POS URL: https://airpay.co.in/offline/POS Breadcrumb: Payments > Accept Payments > Offline In-store card acceptance made easy. Android and traditional POS terminals for in-store payments — cards, UPI and more — with multi-location reconciliation and centralised reporting from a single dashboard. ## QR URL: https://airpay.co.in/offline/QR Breadcrumb: Payments > Accept Payments > Offline Scan & pay UPI collections. Static and dynamic UPI QR codes for in-store collections, with instant confirmation and unified reporting. ## CMS (Cash Management Services) URL: https://airpay.co.in/offline/CMS Breadcrumb: Payments > Accept Payments > Offline End-to-end cash lifecycle control. Cash management services covering collection, deposit and reconciliation of cash across locations, giving enterprises end-to-end control of the cash lifecycle. ## Soundbox URL: https://airpay.co.in/offline/soundbox Breadcrumb: Payments > Accept Payments > Offline Instant audio payment alerts. A soundbox device that announces successful UPI/QR payments in real time, so store staff can confirm collections without checking a phone. ## Soft POS URL: https://airpay.co.in/offline/soft-POS Breadcrumb: Payments > Accept Payments > Offline Turn a smartphone into a POS terminal. Soft POS turns an ordinary smartphone into a payment acceptance device — mobile, low-cost in-store acceptance without dedicated hardware. ## Omnichannel URL: https://airpay.co.in/omnichannel Breadcrumb: Payments > Accept Payments > All-in-One One platform for all online & offline payment channels. airpay Omnichannel unifies online and offline acceptance — gateway, POS, QR, links — into one platform with a single view of customers, transactions and settlements. ## airpay EXIM URL: https://airpay.co.in/international-payments/exim Breadcrumb: Payments > Accept Payments > International Cross-border payments for exporters and importers. airpay EXIM enables cross-border payment collection and international transactions for Indian businesses, with RBI-approved cross-border capability. ## Accept Payments From India URL: https://airpay.co.in/international-payments/accept-payments-from-india Breadcrumb: Payments > Accept Payments > International Seamless INR transactions for global businesses. Lets international businesses accept INR payments from Indian customers seamlessly through airpay's local payment rails. ## Unified Payments (UPI Suite) URL: https://airpay.co.in/unified-payments Breadcrumb: Payments > UPI Suite Smart UPI routing engine — the fastest lane for UPI payments. airpay's UPI suite with intelligent routing across PSPs/banks for higher success rates, real-time optimisation of every transaction and deep UPI feature coverage. ## Affordable Payments URL: https://airpay.co.in/affordable-payments Breadcrumb: Payments > Affordable Payments Enable EMI, Brand EMI and BNPL options. Offer customers flexible ways to pay — card EMI, Brand EMI and BNPL — to lift conversions and average order values. ## Affordability Widget URL: https://airpay.co.in/affordability-widget Breadcrumb: Payments > Affordable Payments Boost conversions by surfacing EMI offers on product pages. An embeddable widget that displays EMI and affordability offers directly on product pages, improving conversion before checkout. ## Split Settlement URL: https://airpay.co.in/manage-payments/split-settlements Breadcrumb: Payments > Manage Payments Auto-split payments between parties instantly. Automatically split a single customer payment between multiple parties (platform, vendors, partners) at settlement — used by marketplaces and aggregators. ## Reconciliation & Settlement URL: https://airpay.co.in/manage-payments/reconciliation-settlement Breadcrumb: Payments > Manage Payments Settle and track payments in one click. Automated reconciliation and settlement tracking with detailed MIS reports, settlement timelines and a unified dashboard view. ## Connected Banking URL: https://airpay.co.in/make-payments/connected-banking Breadcrumb: Payments > Make Payments Seamless fund transfers, instantly. Connect business bank accounts to initiate payouts, vendor payments and refunds directly, with control, transparency and operational visibility. ## Prepaid Cards URL: https://airpay.co.in/make-payments/prepaid-cards Breadcrumb: Payments > Make Payments Fast, secure, co-branded prepaid cards. Issue co-branded prepaid card programs for disbursements, expenses, rewards and more. ## Business Loans URL: https://airpay.co.in/value-added-services/business-loans Breadcrumb: Payments > Value Added Services Quick funds to grow your business. Working-capital and business loan offerings for merchants, leveraging payments data for faster access to credit. ## Campaign Management URL: https://airpay.co.in/value-added-services/campaign-management Breadcrumb: Payments > Value Added Services Create and manage offers. Create, run and manage payment-linked offers and campaigns to drive customer engagement and repeat purchases. ## Risk & AML URL: https://airpay.co.in/value-added-services/risk-and-aml-solutions Breadcrumb: Payments > Value Added Services Built-in fraud & AML checks. Built-in fraud detection, risk scoring and AML compliance checks engineered into the payments flow — compliance and control by design. ## Account Validation URL: https://airpay.co.in/value-added-services/account-validation Breadcrumb: Payments > Value Added Services Verify bank accounts instantly. Instant bank account verification (including penny-drop style validation) to confirm beneficiary details before payouts or onboarding. ## e-Sign URL: https://airpay.co.in/value-added-services/e-sign Breadcrumb: Payments > Value Added Services Paperless signing, faster deals. Digital e-signature capability for paperless agreements, onboarding and faster deal closure. ## D2C & Retail Solutions URL: https://airpay.co.in/solutions/direct-to-customer Breadcrumb: Solutions > By Industry Payments that grow with your D2C brand. Payment solutions for D2C and retail brands: flexible payment options, repeat-purchase support and conversion-focused checkout. ## Education Solutions URL: https://airpay.co.in/solutions/education Breadcrumb: Solutions > By Industry Simplify fee collections for schools and institutes. A dedicated education payment solution that lets schools and institutes collect fees and manage fee structures with ease. ## Hospitality Solutions URL: https://airpay.co.in/solutions/hospitality Breadcrumb: Solutions > By Industry Simplify guest payments for hotels & restaurants. Seamless hospitality payment solutions — front-desk, online booking and F&B payments — used by hotel groups including Hyatt properties and Sterling Holiday Resorts. ## Government Solutions URL: https://airpay.co.in/solutions/government Breadcrumb: Solutions > By Industry Secure payments for the public sector. Compliant, secure payment collection and disbursement solutions for government and public-sector bodies. ## Healthcare Solutions URL: https://airpay.co.in/solutions/healthcare Breadcrumb: Solutions > By Industry Easy, compliant patient payments. Frictionless, reliable payment flows that improve patient experience across hospitals, clinics and diagnostics. ## NBFC / BFSI Solutions URL: https://airpay.co.in/solutions/nbfc Breadcrumb: Solutions > By Industry Faster lending collections and payouts. Payment solutions for NBFCs and BFSI: EMI collections, disbursements, virtual accounts for loan repayment tracking, and API/SDK integrations (web, mobile, iFrame, inline). ## Automotive Solutions URL: https://airpay.co.in/solutions/automotive Breadcrumb: Solutions > By Industry Drive sales with easy payments. Payment solutions for dealerships and the automotive industry — booking amounts, EMI options and multi-branch reconciliation. Used by dealer groups such as Kun Hyundai and Nandi Toyota. ## Travel Solutions URL: https://airpay.co.in/solutions/travel Breadcrumb: Solutions > By Industry Smooth bookings, faster payments. Built for high-traffic, time-sensitive travel bookings with instant confirmations and high reliability. ## SaaS Solutions URL: https://airpay.co.in/solutions/SAAS Breadcrumb: Solutions > By Industry Recurring payments made easy. Smart billing for recurring revenue — subscriptions, renewals and automated collections with minimal manual effort. ## Gems & Jewellery Solutions URL: https://airpay.co.in/solutions/gems-and-jewellery Breadcrumb: Solutions > By Industry Trusted payments for high-value transactions. High-value payment acceptance for jewellers — EMI/Brand EMI, POS and secure online collections. Trusted by brands like Titan (Tanishq) and ORRA. ## Logistics Solutions URL: https://airpay.co.in/solutions/logistics Breadcrumb: Solutions > By Industry Payments that fit your delivery workflow. Collect, track and reconcile payments across partners, locations and delivery cycles. ## E-commerce Solutions URL: https://airpay.co.in/solutions/ecommerce Breadcrumb: Solutions > E-commerce Zero friction, faster checkouts. E-commerce payment stack with Dash Checkout, UPI suite and no-code plugins for 35+ storefronts. ## Wix Payment Gateway URL: https://airpay.co.in/no-code/wix-payment-gateway Breadcrumb: Solutions > No-code Easy payments for Wix stores. No-code airpay integration for Wix stores — start accepting online payments without writing code. ## Shopify Payment Gateway URL: https://airpay.co.in/no-code/shopify-payment-gateway Breadcrumb: Solutions > No-code Smarter payments for Shopify stores. No-code airpay integration for Shopify — install and start accepting payments quickly. ## Fynd Integration URL: https://airpay.co.in/no-code/fynd Breadcrumb: Solutions > No-code Instant payments on Fynd. No-code airpay payments for stores on the Fynd platform. ## Zoho Integration URL: https://airpay.co.in/no-code/zoho Breadcrumb: Solutions > No-code Simplified payments in Zoho. No-code airpay payments inside Zoho applications. ## Magento Payment Gateway URL: https://airpay.co.in/no-code/magento-payment-gateway Breadcrumb: Solutions > No-code Scalable payments for Magento stores. No-code/plugin-based airpay integration for Magento storefronts. ## Integrations URL: https://airpay.co.in/developer-hub/integrations Breadcrumb: Developer Hub Connect systems effortlessly. Overview of airpay's integration surface: REST APIs, SDKs (Android, iOS, Flutter, React Native, Cordova, Ionic), iFrame kits and shopping-cart plugins (Shopify, WooCommerce, Magento, OpenCart, PrestaShop). Full developer documentation lives at https://docs.airpay.co.in/. ## Partner with Us URL: https://airpay.co.in/partner-with-us Breadcrumb: Company Partnership programs for banks, platforms and resellers. Partnership opportunities with airpay for platforms, ISVs, banks and resellers. ## Company Overview URL: https://airpay.co.in/about-us/company-overview Breadcrumb: About Us What airpay does and why it matters. airpay payment services is an Indian fintech offering a full-stack, RBI-approved payments platform across online, physical and cross-border payments, with operations in India, UAE (airpay.ae) and Tanzania (airpay.tz). ## Culture URL: https://airpay.co.in/about-us/culture Breadcrumb: About Us People, values and mindset at airpay. airpay's culture page — people, values and mindset. ## Media Centre URL: https://airpay.co.in/about-us/media-center Breadcrumb: About Us News, press and resources. Press releases, media coverage and brand resources for airpay. ## Blog URL: https://airpay.co.in/blog Breadcrumb: Resources Insights on payments, fintech and growth. The airpay blog covering payments, fintech, compliance and merchant growth topics. ## Case Studies URL: https://airpay.co.in/case-studies Breadcrumb: Resources How businesses grow with airpay. Customer case studies across industries including jewellery, hospitality, automotive and education. ## FAQs URL: https://airpay.co.in/faq Breadcrumb: Resources Frequently asked questions. Frequently asked questions about airpay products, onboarding, settlements and support. ## Payments Glossary URL: https://airpay.co.in/glossary Breadcrumb: Resources Definitions of payment terms used across airpay.co.in. A terminology reference for payment concepts used throughout airpay's website and documentation — UPI, VPA, UTR, settlements, EMI, mandates and more. Linked from every page so AI agents and readers can resolve ambiguous terms. ## Contact Us URL: https://airpay.co.in/contact-us Breadcrumb: Support Get in touch with airpay. Contact airpay: phone +91-20-6911-0300, email customerservice@airpay.co.in. Fraud reporting: dispute@airpay.co.in. ## Acquiring Support — Customer Grievance Reporting URL: https://airpay.co.in/enterprise-support Breadcrumb: Support Grievance reporting for acquiring/enterprise merchants. Customer grievance reporting channel for airpay's acquiring (enterprise) business. ## Vyaapaar Support — Customer Grievance Reporting URL: https://airpay.co.in/vyaapaar-support Breadcrumb: Support Grievance reporting for airpay Vyaapaar users. Customer grievance reporting channel for airpay Vyaapaar merchants and agents. ## Customer Grievances Policy URL: https://airpay.co.in/customer-grievances Breadcrumb: Policies Grievance redressal policy. airpay's customer grievance redressal policy and escalation matrix. ## Merchant Onboarding Policy URL: https://airpay.co.in/merchant-onboarding Breadcrumb: Policies Merchant onboarding norms and requirements. Policy and requirements governing merchant onboarding, KYC and due diligence. ## Fraud Alert URL: https://airpay.co.in/fraud-alert Breadcrumb: Policies Fraud awareness and reporting. Fraud awareness information. Report suspected fraud to dispute@airpay.co.in. ## Terms & Conditions URL: https://airpay.co.in/terms-and-condition Breadcrumb: Policies Terms of service. airpay's terms and conditions of service. ## Privacy Policy URL: https://airpay.co.in/privacy-policy Breadcrumb: Policies How airpay handles personal data. airpay's privacy policy covering data collection, usage and protection.