SabPaisa Overview

SabPaisa is an RBI-authorized payment aggregator in India. It provides a hybrid payments platform that combines online and offline payment methods into one system. Founded in 2016, SabPaisa has helped businesses and government organizations, supported by certifications such as PCI DSS, ISO, and SSL security. SabPaisa is suitable for all types of businesses, including SMEs, large companies, government agencies, and marketplaces, that need a single payment platform with strong integration, compliance, and various applications.

Core Offerings

1. Online Payment Gateway

• Supports cards, UPI, net banking, wallets, Bharat QR, and more.

• Utilizes smart routing, auto retries, and intelligent fallback for failed transactions, resulting in high success rates.

• Built on a PCI DSS certified, SSL-secure, Visa-verified, AWS-hosted infrastructure.

2. Offline & Hybrid Payments

• Aggregates payments from cash counters, e-Cash, e-NEFT, cheque/NEFT, and Bharat QR, available at over 1.4 million cash counters across India.

• Consolidates offline and online payments into a single dashboard, ideal for businesses with mixed payment environments.

3. B2B e-Collect with VAN

• Provides Virtual Account Numbers (VAN) for secure, automated B2B collections, facilitating reconciliation with agents, suppliers, or partners.

4. Recurring Payments: eNACH & Subscriptions

• Enables automated recurring billing via e-mandates (eNACH), ideal for subscription-based services and regular collections.

• Offers a full Subscriptions API with analytics, secure renewals, and churn management capabilities.

5. Payment Links & QwikForm

• Facilitates password-protected or short payment links for businesses without websites.

• Includes QwikForm, a dynamic form builder integrated with payments, enabling custom workflows and real-time data capture.

6. Payouts API

• Automates bulk payouts to vendors or customers, supports real-time tracking, and enables scheduled disbursements through a single dashboard.

7. Marketplace & Platform Integration

• Provides APIs tailored for marketplaces, push/pull APIs for split settlements and disbursements to multiple stakeholders.

Compliance & Security

• RBI-authorised payment aggregator backed by trusted banks such as Bank of India, Bank of Baroda, Indian Bank, Canara Bank, and IDFC First.

• Certified for PCI DSS, ISO, and SSL encryption compliance.

• Hosted on AWS infrastructure with bank-level encryption, tokenization, and advanced fraud detection systems.

Integration & Developer Experience

• Offers fast integration kits, SDKs, and sample code for Java, PHP, .NET, WordPress, as well as Android and iOS mobile apps.

• API-first approach with Push/Pull APIs, extensive developer documentation, and a detailed UAT checklist.

• Enables paperless activation within 24 hours, streamlining onboarding.

Dashboard & Analytics

• Centralized merchant dashboard combining online and offline transactions for unified visibility.

• Provides real-time transaction tracking, custom reports, and settlement reconciliation tools.

• Includes subscription analytics, churn tracking, and performance trend insights.

Target Verticals & Use Cases

SabPaisa’s platform is designed to serve a wide range of industries and sectors:

• E‑commerce and Mobile Apps: Unified, multi-channel payment solutions with optimized conversion rates.

• Education Sector: Bulk fee collection, robust reconciliation, and scalable performance, trusted by major state boards for managing millions of student transactions.

• Retail and MSMEs: Blends offline and online collections, ideal for kirana shops, boutiques, grocery stores, and auto parts retailers.

• Government and PSUs: Adopted by major public bodies for unified digital payments across utilities, housing, education, and more.

• Marketplaces and Platforms: Advanced APIs to manage multiple sellers, automated split payments, and real-time settlements.

Conclusion

SabPaisa is a strong, secure, and flexible payment platform that connects digital and offline payments. Its broad range of services includes UPI, cards, eNACH, and B2B collections, making it a great choice for businesses wanting to grow confidently. With support from regulators, solid APIs, and a reliable history of handling large transaction volumes, SabPaisa is one of India’s most trustworthy payment gateway options.