airpay: A Unified Payment Gateway for Businesses Across India

Overview of airpay

airpay is a payment solutions provider based in Mumbai. It helps businesses accept, manage, and improve payments across both digital and offline channels. Founded in 2012, airpay has become a trusted name in India’s fintech scene by offering a single platform for merchants, companies, and institutions to process transactions securely and efficiently.

As a full-service payment gateway, airpay supports a wide range of payment methods, including UPI, cards, net banking, wallets, and EMI options. It also provides valuable features like real-time transaction monitoring, API integration, and reconciliation tools. This makes airpay a good choice for small businesses, mid-sized companies, and large enterprises.

Key Features of airpay Payment Gateway

1. Omnichannel Payment Acceptance

airpay distinguishes itself from many local competitors by providing seamless support for both online and offline transactions. The platform integrates multiple modes of payment acceptance, including:

• UPI, UPI Autopay

• Credit and Debit Cards

• Net Banking across major Indian banks

• Wallets (like PhonePe, Paytm, Mobikwik)

• EMI Payments

• Cash Collection via Micro-ATMs or Field Force

This omnichannel capability makes airpay particularly appealing to retail chains, field-service companies, logistics providers, and educational institutions.

2. Unified Dashboard for Complete Visibility

With a single dashboard, airpay offers full visibility and control over transactions across all touchpoints—web, mobile apps, and physical locations. Businesses can:

• Track payments in real-time

• Generate detailed reports

• Reconcile transactions

• Monitor settlement cycles

• Manage refunds and disputes

This all-in-one interface reduces operational friction and enhances financial decision-making.

3. API-First Architecture for Seamless Integration

airpay’s RESTful APIs and SDKs allow easy integration with a wide variety of platforms and shopping carts, including custom-built websites and apps. Developers can quickly integrate key features such as:

• Checkout experience customization

• Recurring billing and subscription payments

• Real-time status updates

• Tokenization for secure card storage

• Seamless onboarding and KYC for sub-merchants

The technical documentation is thorough and supports sandbox testing to ensure stable implementation.

4. Security and Regulatory Compliance

airpay is PCI DSS Level 1 compliant and adopts stringent data encryption and fraud prevention protocols. Additionally, the platform is aligned with RBI guidelines and supports transaction authentication through OTP, 3D Secure, and biometric verification.

Businesses that choose airpay can rely on secure data handling and a fraud-detection system that uses pattern-based alerts and transaction scoring.

5. Flexible Payout and Settlement Options

airpay allows businesses to receive settlements via daily, weekly, or custom cycles, depending on their business needs. Features like split payments, multi-party settlements, and disbursals to vendors or field staff can also be enabled through airpay’s payout APIs.

This is particularly useful for marketplaces, aggregators, and service platforms with complex financial flows.

6. Comprehensive Support and Merchant Services

The company offers merchant support through:

• A dedicated Account Manager

• 24×7 customer service

• Technical and onboarding assistance

• Automated dispute resolution workflows

• Training for field agents in cash collection scenarios

Support is available via phone, email, and ticketing system, ensuring merchants get the help they need at every stage of their payment lifecycle.

Value Propositions for Different Business Types

For Startups and SMBs

airpay provides cost-effective solutions with quick onboarding, helping small businesses start accepting payments in just a few days. With minimal setup and user-friendly dashboards, entrepreneurs can focus on growing their business while airpay handles the complexity of payments.

For Large Enterprises

airpay’s scalable infrastructure and robust API ecosystem enable enterprise-grade features such as:

• Bulk payments

• Reconciliation at scale

• Custom settlement rules

• Multi-location payment aggregation

• Sub-merchant onboarding (for platforms and aggregators)

Enterprises also benefit from strategic consulting and access to advanced analytics for payment optimization.

For Educational Institutions

airpay offers specialized modules for fee collection, enabling schools, colleges, and training institutes to accept tuition, exam, and hostel payments digitally. It supports reminders, partial payments, and real-time updates to administrative portals.

For NGOs and Government Bodies

With options to accept donations, utility bill payments, and government-to-citizen transfers, airpay supports public and nonprofit use cases with complete audit trails and compliant reporting formats.

Awards and Recognition

airpay has been recognized as one of India’s leading fintech innovators. It has received accolades for:

• Excellence in Digital Payments Innovation

• Enabling Financial Inclusion through micro-payment infrastructure

• Partnerships with major government and banking institutions

Their client list includes sectors such as banking, insurance, logistics, education, and e-commerce, adding credibility to their reputation as a reliable B2B payment partner.

Conclusion

In the crowded Indian payment gateway market, airpay stands out with its unified, omnichannel approach, user-friendly tools, solid compliance framework, and emphasis on operational efficiency. Whether you’re a small startup or a large enterprise, airpay provides the flexibility and reliability you need to manage payments smoothly. By integrating online, offline, and assisted payment options, it becomes a strong choice for any business that wants to simplify its payment system in India.