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Payout API – Bulk & Instant Payouts

Enable fast, secure, and automated fund transfers with RK Fintech’s enterprise-grade Payout API.

Bank Transfers • UPI Payouts • Bulk Disbursements • Real-Time Status

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What is a Payout API?

A Payout API allows businesses to automate fund transfers to any bank account or UPI ID in real time via IMPS, NEFT, and UPI — without manual banking operations.

Instant Transfers

Banking Network Access

UPI Enabled Payouts

Key Features of RK Fintech’s Payout API

Instant Bank Transfers

IMPS for instant payouts and NEFT for scheduled transfers.

UPI Payout API

Send funds directly to UPI VPAs for micro and high-frequency payouts.

Bulk Payouts

Trigger thousands of payouts in one API call.

Beneficiary Verification

Verify bank accounts and UPI IDs before payouts.

Real-Time Webhooks

Instant callbacks for success, pending, failed, or reversed payouts.

Security & Compliance

Encryption, IP whitelisting, token auth, and audit logs.

Why Fintechs Choose RK Fintech

High success rate & optimized routing
IMPS, NEFT & UPI in one API
Enterprise-ready, secure & compliant

How the Payout API Integration Works

  1. Access sandbox & documentation
  2. Integrate payout & verification APIs
  3. Configure security & callbacks
  4. Test end-to-end payout flows
  5. Go live with production credentials

Use Cases

Fintech Wallets & Lending
Marketplaces & Aggregators
Gig & Workforce Platforms
Apps, Gaming & Cashback

Technical Specifications

Transfer Modes IMPS, NEFT, UPI
Verification Bank Account & VPA Verification
API Format REST JSON
Authentication Token-based, IP Whitelisting
Webhooks Success, Failure, Pending
Bulk Support Yes
Security TLS Encryption, Signed Requests
Reporting Logs, MIS, Reconciliation Ready

Frequently Asked Questions (FAQs)

What is a Payout API?
A Payout API automates fund transfers to bank accounts or UPI IDs using IMPS, NEFT, or UPI payment systems.
What is the difference between Instant Payout API and Bulk Payout API?
Instant Payout API processes single real-time transfers, while the Bulk Payout API enables thousands of payouts in one consolidated request.
Does RK Fintech support UPI payouts?
Yes. RK Fintech’s UPI Payout API supports instant transfers to any valid VPA (UPI ID).
Can I verify a beneficiary before sending money?
Yes. Bank account verification and UPI VPA validation are available before initiating payouts.
What businesses use Payout APIs?
Lending platforms, gig and freelance apps, marketplaces, fintech companies, gaming platforms, logistics firms, HR systems, and salary disbursement solutions.
How do I receive payout status updates?
Real-time webhook callbacks provide instant updates on payout success, failure, or refunds.
Is RK Fintech's payout system secure?
Yes. The system uses encrypted communication, token-based authentication, IP whitelisting, and detailed audit logs.
Can payouts be combined with other APIs?
Yes. The Payout API is commonly used alongside UPI Collection API, BBPS, AEPS, Micro ATM, and Recharge APIs to build a complete fintech stack.

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RK Fintech offers modern fintech infrastructure with banking APIs, payments APIs, and verification APIs for businesses throughout India. It is a reliable API service provider that helps companies start and grow digital financial services.

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