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About
AoPay provides fintech APIs and banking software for building and operating financial products in India. The site presents a stack that covers payment acceptance (including UPI, QR, cards, net banking, wallets, AEPS, IMPS/NEFT/RTGS), virtual accounts for reconciliation, and tools aimed at reducing transaction fraud with machine-learning-based risk controls. It also offers verification and compliance services such as Aadhaar eKYC/biometric, PAN checks, bank account verification, GST validation, and CIBIL credit checks to support onboarding and lending decisions. Beyond APIs, AoPay positions cloud-native platforms for financial institutions, including core banking software, a loan management system, and NBFC/microfinance software. The content emphasizes scalability, uptime, and RBI-aligned operations, targeting startups through enterprise deployments.
Problem & solution
Problem
Fintechs need compliant payments, banking and KYC rails to build and scale in India.
Solution
Developer APIs and software for payments, verification and core banking with RBI-aligned tools.
Who it's for
Neobanks, digital lenders, payment apps, NBFCs and small banks in India.
Main features
- Payment gateway APIs
- UPI & QR collection
- AEPS & transfers
- KYC & verification APIs
- Core banking software
Use cases
- Launch UPI/PG payments quickly
- Run KYC and bank verification
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