Integrate our lightweight REST APIs to accept UPI, cards, and netbanking. Get instant payment confirmation, webhooks, and seamless settlement — built for developers and merchants.
curl -X POST https://api.smartstocks.in/v1/payments \
-H "Authorization: Bearer YOUR_SECRET_KEY" \
-H "Content-Type: application/json" \
-d '{
"amount": 299,
"currency": "INR",
"payment_method": "UPI",
"merchant_order_id": "ORD123",
"redirect_url": "https://yourwebsite.com/callback"
}'Everything you need to collect, manage, and reconcile payments programmatically.
Initiate payments, check status, refund, and reconcile — all via low-latency REST endpoints.
Instant HTTP callbacks on payment success, failure, or refund. Keep your system in sync.
Generate UPI QR codes or payment links via API — perfect for invoices and offline stores.
Download automated reconciliation files (T+1 settlement) and transaction logs via API.
Built-in risk engine with velocity checks, whitelist/blacklist, and 3D Secure support.
Follow our developer-first workflow — from sandbox to production.
Sign up, verify business, and access test & live keys.
Use our /pay, /status, /refund APIs with your stack.
Simulate UPI, card, and netbanking transactions.
Switch to production keys and start accepting real payments.
Comprehensive API reference, Postman collection, and SDKs for Node.js, Python, PHP, Ruby. Explore docs →
Pay only ₹500 per month for full API access. Custom plans available on discussion.
Billed monthly. Cancel anytime.
*Fair usage policy applies
Tailored for your business needs
*All plans include UPI transactions at zero MDR (as per NPCI). Cards/netbanking may have small transaction fees — included in your monthly plan.
Get your sandbox API keys in minutes and start testing. No commitment required.
✔ Free sandbox | ✔ No credit card | ✔ Postman collection included