The most developer friendly APIs for banking and payouts





Product Stacks

Hypto offers 3 product stacks

  1. Banking
  2. Payments
  3. UPI
View Documentation
Banking 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.

Payments 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

UPI stack

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


Hypto helps any company become a fin-tech company – automate 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

Trading platforms

Provide your own wallet to your customers through our white label solution and manage credits/debits from the wallet instantly


Simple, open and transparent pricing – contact us for enterprise level support and scale.

Banking stack
Create virtual account

₹ 8 per account number

Collections to virtual account

₹ 8 per incoming transaction

Payments stack
IMPS below ₹ 10000

₹ 3

IMPS between ₹ 10000 to ₹ 2 Lac

₹ 7


₹ 1

UPI stack
Create UPI ID


Collections from UPI ID to virtual account


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 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 after creating your account