CAMSPay

CAMSPay: A modern payment gateway built for Indian merchants

If you sell to customers in India or operate in regulated financial services, CAMSPay is worth a serious look. CAMSPay offers a full stack for online collections, recurring payments, pay-by-link flows, and bank account validation, all wrapped in APIs that can plug into your website, app, or back office.

What is CAMSPay

CAMSPay is a digital payments platform from the CAMS group that focuses on high-compliance, high-volume use cases across BFSI, capital markets, insurance, NBFCs, and consumer internet. The platform spans a payment gateway for one-time collections, recurring rails such as NACH, eNACH, and UPI AutoPay, instant payouts, payment links, and a dedicated Authentication and Onboarding Suite for bank account and customer verification.

Why merchants choose CAMSPay

Wide payment acceptance on the payment gateway

CAMSPay’s gateway is designed to capture more successful payments with a polished checkout, analytics, and on-time settlement. It supports domestic and international cards, UPI, and net banking on a PCI DSS certified platform, with dashboards for insights and bespoke integrations for your UX. That combination targets conversion lift while keeping compliance tight.

On card acceptance specifically, CAMSPay indicates support for major networks like RuPay, Visa, Mastercard, and American Express, which is helpful if you sell to both domestic and international cardholders.

Deep UPI capability, including UPI AutoPay

If UPI is central to your payments mix, CAMSPay covers both one-time and recurring UPI flows. For one-time UPI payments, you can enable intent, collect, and QR variants, accept payments from popular apps such as GPay, PhonePe, BHIM, Paytm and more, and tap into real-time insights and reports. The product also notes support for TPV across 200 plus banks and a two-click payment experience.

For subscriptions and SIP-style debits, CAMSPay supports UPI AutoPay. Mandates are created through the customer’s UPI app, with API-first integration, flexible frequencies, variable amounts, and pre-debit notifications. CAMSPay states it was a launch partner for NPCI and the first to power AutoPay in the BFSI segment, which underscores its focus on regulated financial services.

A real-world example of that BFSI focus: Tata Mutual Fund enabled one-time and recurring contributions via CAMSPay’s UPI AutoPay, letting investors set mandates directly in their UPI apps for SIP payments.

Pay-by-link for fast collections without a site or app

When you need to collect a payment quickly, CAMSPay Pay-By-Link lets you generate secure links and share them via SMS, email, WhatsApp, or social channels. The flow is API-driven for automation at scale, offers your customers all core payment options, and includes dashboards for tracking. It can also serve as a fallback when a scheduled SIP or recurring attempt fails, reducing churn with an alternate route to pay.

Authentication and onboarding services for BFSI-grade risk control

Beyond taking payments, CAMSPay provides bank account and customer validation services. You can verify account number, name, IFSC, account type, and related attributes, run instant single or batch checks through APIs and dashboards, and apply these controls across onboarding, pay-ins, payouts, account changes, and claims. For insurers, lenders, and brokers, this layer helps reduce fraud and operational risk.

Recent platform developments

In July 2025, CAMSPay announced a new version of its payment gateway positioned for high scale and tight regulatory alignment. The release highlighted day-one alignment with RBI guidelines, PCI DSS certification, tokenization and data localization readiness, and support for over 5,000 transactions per second. It also referenced ecosystem partners in switching and banking. For enterprises that demand low latency and high availability, those signals matter.

Industry solutions and who CAMSPay is best for

CAMSPay builds industry-specific solutions where payment reliability and regulatory posture are non-negotiable.

• Capital markets and mutual funds: recurring debits via NACH, eNACH, UPI AutoPay, same-day or real-time settlement for NAV realization, instant redemptions, investor account validation, and full API orchestration from onboarding to collections.

• Insurance: collections across cards, UPI, net banking, card and card-less EMI, plus recurring rails and account validation for claims and commissions. The insurance solution pages emphasize more than 100 payment methods, which is useful for omnichannel distribution.

CAMSPay tends to stand out for BFSI and investment-linked products, subscription businesses that must prove mandate compliance, marketplaces with payouts, and any merchant that values bank-grade verification along with collections.

Developer experience and ecosystem

CAMSPay positions its products as API-first. You can build custom flows across payment gateway, UPI, pay-by-link, and account validation, then monitor everything from dashboards. There are also third-party integrations such as Yellow.ai that can generate payment links and track status inside conversational experiences, which can be useful if you support chat-based commerce or collections.

Security and compliance

Security and compliance appear throughout the product footprint. CAMSPay states its platform is PCI DSS certified, and the new gateway announcement underscores alignment with RBI guidance, card tokenization, and data localization. For regulated sectors, this reduces audit lift and helps you stay within emerging Indian mandates while maintaining customer trust.

Practical benefits for your checkout and ops

• Conversion and UX: modern checkout, multiple rails in one integration, and broad acceptance across cards, UPI, and net banking give customers flexible ways to pay.

• Recurring at scale: support for UPI AutoPay, NACH, and eNACH gives you a path to automate dues, SIPs, premiums, and subscriptions with pre-debit notifications and API-managed lifecycles.

• Operational visibility: dashboards, real-time reports, and analytics help finance, risk, and product teams stay aligned on performance and exceptions.

• Risk reduction: bank account and customer validation mitigate payout errors, third-party fraud, and claim leakage.

• Scalability: the latest gateway announcement points to enterprise throughput and high availability, which matters during sales peaks, IPO-linked traffic, or premium due dates.

Considerations to keep in mind

• Geography: CAMSPay is centered on India’s payment ecosystem. Global merchants selling primarily to Indian customers will benefit most.

• Pricing transparency: list pricing is not published on product pages. Most merchants will need to engage sales for a proposal tailored to volumes, risk, and features.

• Integration planning: to extract full value, plan for API integration across collections, mandates, and verification, as well as operational playbooks for exception handling.

CAMSPay feature snapshot

• Gateway acceptance: cards, UPI, net banking, with PCI DSS certification, analytics, and on-time settlements.

• Cards: support for major networks including RuPay, Visa, Mastercard, and American Express.

• UPI: intent, collect, and QR; support for leading UPI apps; TPV coverage for 200 plus banks; real-time settlement.

• Recurring: NACH, eNACH, UPI AutoPay with flexible frequencies and variable amounts.

• Pay-by-link: API-driven link creation and omnichannel sharing over SMS, email, WhatsApp, social.

• Authentication: bank account checks and customer validations through APIs and dashboards.

• Industry solutions: mutual funds and insurance packages tailored to NAV timelines, SIPs, premiums, and payouts.

• Scale and compliance: new gateway publicized at 5,000 TPS, RBI-aligned, tokenization and data localization readiness.

Conclusion

CAMSPay brings together a broad set of Indian payment rails with the compliance posture expected by BFSI and capital-markets players. If your business needs both high conversion on UPI and cards and the guardrails of mandate management, account validation, and audit-ready operations, CAMSPay deserves a place on your shortlist.