Developer friendly APIs for collections and payouts

Automate your collections and disbursements through our payments infrastructure that processes over $100m daily.

Why choose Hypto?

Fastest Integration

Lowest price

Built to handle scale

World Class Security

Our Payments Stack

Payouts Stack

A single API to initiate fund transfers via IMPS, NEFT, RTGS and UPI to any bank account number or UPI ID and check the status of the fund transfers

Collections Stack

Create unique virtual accounts for your customers and instantly receive transaction alerts when funds are added to the virtual accounts through UPI, NEFT, IMPS, RTGS.

UPI Stack

Issue UPI IDs and QR codes to any merchant for accepting payments through UPI and receive instant transaction callbacks

Use Cases

Hypto helps any company become a fin-tech company – manage your disbursals and collections without the need for complex integration and documentation with banks.


Route payments to suppliers (sellers) and other 3rd parties instantly without manual errors


Instantly disburse loans to your customers and provide a stellar user experience


Automate and instantly reconcile your collections using unique virtual accounts

Online gaming

Reward your customers instantly through IMPS or UPI at scale


Transfer Amount


₹1 - ₹999

₹ 2 ₹ 1.5

₹1000 - ₹24999

₹ 3.5 ₹ 3

₹25000 and above

₹ 7.5 ₹ 7

NEFT/RTGS during bank hours

₹ 1

NEFT outside banking hours

₹ 3
GST as applicable

Create virtual account


Collections to virtual account

₹ 8

Verify bank details

₹ 1 + 1*
GST as applicable *No GST on penny drop

Create UPI ID


Collections to UPI ID

Platform Charges Applicable

UPI Verification

₹ 1.5
GST as applicable

Frequently Asked Questions

Who are we?

Hypto is a financial infrastructure platform that provides Open Banking APIs to tech companies & start-ups. Through Hypto’s plug & play APIs that can be integrated with almost zero effort, start-ups can automate their entire banking and payment operations

What can I use Hypto for?

Hypto helps with disbursal and collection of payments through developer friendly APIs.

Hypto has 3 tech stacks -

  1. Banking stack which is used to create unique virtual account numbers and collect payments into virtual accounts
  2. Payments stack which is used to initiate payments from a virtual account through IMPS, NEFT, RTGS or UPI
  3. UPI stack which is used to create unique UPI IDs to accept payments through UPI
Why should I choose Hypto?

Hypto’s proprietary routing algorithm provides you with the highest success rate for instant fund transfers and allows 24/7 instant fund transfers without limits to select beneficiary banks. This algorithm also reduces our cost of fund transfer which we pass on to our users, thus providing the cheapest cost of fund transfer in India today.

Is the pricing negotiable?

Yes, we do provide flexible pricing to our customers based on the transaction volumes. Please write to us at support@hypto.in or drop a note on our Contact Us page

How do I use Hypto APIs?

Sign up on Hypto – your account will be activated instantly.

You can then login to your dashboard and view your API key in the settings section.

Check out our API docs and start integration.

If you require access to a test/sandbox environment, please write to developer@hypto.in after creating your account

For Developers

The world’s most powerful and easy-to-use APIs.

Read Documentation
Have a unique financial use-case?

We’d love to help you with our fully managed web services and finapps.

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