1Pay Payment Gateway: Seamless, Secure, and Smart

Overview

1Pay is a payment gateway and aggregator platform based in India. It was developed by 1Pay Mobileware Pvt. Ltd. The platform serves businesses in logistics, government, BFSI, and B2B sectors. It has received initial approval from the Reserve Bank of India (RBI) to operate as a payment aggregator. It handles over ₹8,500 crore in gross transaction volume and more than 30 million transactions each year.

Why Choose 1Pay?

1. All-in-One Payment Methods

1Pay supports a broad spectrum of digital payment methods, enabling businesses to meet customer preferences effectively:

• Card Payments: Accepts Visa, Mastercard, RuPay, Amex, and Diners.

• Net Banking: Compatible with over 40 leading banks including SBI, HDFC, ICICI, Axis, and Yes Bank.

• UPI & Wallets: Supports UPI via VPA and leading wallets like PhonePe, PayZapp, and Amazon Pay.

This comprehensive set of payment options enhances user experience and boosts conversion rates.

2. Smart Transaction Management

1Pay provides intelligent tools to optimize transaction success and streamline payment operations:

• Dynamic Routing: Routes transactions through the best-performing gateway to improve success rates.

• Payment Retry: Enables customers to retry failed transactions instantly, reducing drop-offs.

• Multi-Settlement: Allows businesses to split and route settlements to multiple bank accounts as per their preferences.

3. Developer-Friendly Integration & Dashboard

1Pay offers flexible and developer-focused integration options:

• Multiple Integration Modes: Includes web and mobile SDKs, APIs, and ready-to-use plugins for popular e-commerce platforms.

• Quick Checkout: Provides a prebuilt and customizable checkout page with minimal coding required.

• Feature-Rich Dashboard: Gives merchants real-time insights into transactions, refunds, settlements, and customer behavior.

Security & Compliance

1Pay is PCI DSS v3.2.1 certified and employs industry-standard 256-bit SSL encryption along with tokenization to safeguard payment data. With in-principle RBI approval, the platform operates within stringent compliance norms and demonstrates trustworthiness to enterprise and government clients alike.

Extended Products & Innovation

Pay on the Move / FASTag

1Pay is a pioneer in logistics-focused payments, offering FASTag solutions for toll collection, parking, fuel payments, and digital challans. This solution enables seamless payments for fleets and transportation systems via RFID technology.

Pay on the Go

This product suite allows businesses to initiate programmable B2B payments, issue payment links and invoices, and set up branded checkout pages without needing a website. It’s ideal for startups and SMEs looking to digitize payments quickly.

Financial Innovation

1Pay continues to evolve with innovative financial tools, including:

• Virtual Prepaid Cards: Designed for fleet and driver expense management. These cards are controlled via the 1Move mobile app and enable real-time transaction monitoring.

• Logi-Fintech Infrastructure: Combines payment capabilities with logistics networks to enable programmable transactions across banks, fleet operators, and enterprise systems.

Global Crypto Settlements

Through its extended platform 1Pay Solutions, the company supports crypto-based B2B cross-border settlements using stablecoins and other digital assets. It provides PCI-compliant hosted infrastructure, making global expansion seamless for merchants.

Onboarding & Support

Simple Onboarding Process

Merchants can register and begin onboarding with minimal paperwork. 1Pay provides a test dashboard for integration trials before activation. Businesses can go live quickly with support from the dedicated onboarding team.

Support Infrastructure

1Pay ensures round-the-clock assistance through its structured support channels:

• Merchant Support: Email and phone support for transaction issues, reconciliation, and integration help.

• Customer Care: Separate channel for end-user concerns related to payment failures or refunds.

• Grievance Redressal: Dedicated nodal officer and escalation matrix for regulatory compliance and transparency.

Use Cases & Target Verticals

1Pay is purpose-built for businesses operating in complex and high-volume sectors. Its solutions cater to:

• Logistics & Transportation: Offers specialized tools like FASTag payments, driver expense cards, and fleet toll management.

• Government & Public Infrastructure: Supports digital tolling, parking systems, and e-challan processing.

• Banking & Finance: Enables automated fund disbursals, B2B invoicing, and payout orchestration.

• E-commerce & Enterprises: Helps businesses accept payments across channels and manage financial operations with advanced analytics.

By focusing on logistics, infrastructure, and enterprise finance, 1Pay carves out a strong niche beyond traditional consumer-facing gateways.

Conclusion

1Pay stands out as more than just a generic payment gateway. Its strong integration into logistics, government, and B2B payment flows makes it an innovator in logi-fintech. With key features like dynamic routing and retry logic, along with abilities like FASTag and virtual prepaid cards, 1Pay offers significant value for businesses in complex sectors.