aquapay
TrustedTrusted by 100+ businesses

Powering Next-Gen Payment Infrastructure

UPI intent, smart routing, payouts, and real-time APIs for finance and operations teams that need speed without losing control.

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Uptime

99.9%

Avg latency

<200ms

Support

24/7

Trusted rails

Realtime routing intelligence

Payment Successful

INR 45,000

UPI ID demo@aquapay

aquapay

Trusted by leading growth brands

bigbasket
zomato
blinkit
OLA
MobiKwik
Dream Sports

Platform capabilities

Everything teams need to operate a modern payment stack.

Aqua Pay reflects the full backend surface across merchant governance, provider configuration, routing, transactions, payouts, webhooks, and audit visibility.

Smart payment routing

Switch providers by health, merchant, method, amount, and failover posture with live operational visibility.

Payout orchestration

Control disbursals, beneficiary transfer flow, and settlement visibility from one central operations workspace.

Reliable provider network

Track connector latency, success rate, and traffic share without switching between fragmented tools.

Developer-grade APIs

Launch integrations faster with stable endpoints, webhooks, credential tooling, and backend-mapped docs.

Merchant operations

Issue credentials, toggle merchants, manage routing preferences, and audit every critical account action.

Infrastructure at scale

Run India-first and global payment flows with a system built for volume, uptime, and internal clarity.

Transparent pricing

Simple, predictable rates. No hidden fees.

Pay only for what you use. All plans include hosted checkout, webhook delivery, and the Aqua Pay merchant dashboard.

Pay-in (collections)

Standard

For all merchants — simple flat rate

6.5%

per successful transaction

No monthly fee  ·  Pay only per transaction

  • UPI, CARD, BANK, WALLET
  • Hosted checkout page
  • Basic webhook delivery
  • T+2 settlement
  • Email support
Get started

Growth

For scaling businesses with consistent volume

Most popular

6.5%

per successful transaction

No monthly fee  ·  Priority routing included

  • All payment methods
  • Smart routing across providers
  • Retry & failover logic
  • T+1 settlement
  • Webhook retries (up to 9x)
  • Priority email support
Start free trial

Enterprise

For high-volume platforms and aggregators

Custom

per successful transaction

Volume-based  ·  No per-txn cap

  • Negotiated rates
  • Dedicated provider lanes
  • Custom routing rules
  • T+0 / T+1 settlement
  • SLA-backed uptime
  • Dedicated account manager
  • On-premise deployment option
Contact sales

Pay-out (disbursals)

MethodRateLimitSpeed
UPI4.95% + ₹6Up to ₹1,00,000 per txnInstant
IMPS4.95% + ₹6Up to ₹2,00,000 per txn~30 minutes
NEFT4.95% + ₹6No upper capSame-day batch
RTGS4.95% + ₹6₹2,00,000+ only30 minutes

Enterprise volume discounts available. GST applicable on all fees as per India tax regulation.

Settlement

Fast, transparent fund settlement.

Aqua Pay settles collected funds directly to your registered bank account on a predictable cycle with full reconciliation reports.

Step 1

Payment captured

Funds are collected from the customer and confirmed by the provider.

Step 2

Reconciliation

Aqua Pay automatically matches provider settlements with transaction records.

Step 3

Bank transfer

Net settled amount (after fees) is transferred to your registered bank account.

Step 4

Settlement report

Detailed settlement report emailed and available in the merchant dashboard.

UPI settlement

T+1 business day

Growth & Enterprise plans

Card settlement

T+2 business days

All plans

Settlement reports

Auto-generated

CSV + dashboard export

Chargeback management

We fight disputes on your behalf.

Aqua Pay handles the full dispute lifecycle — from notification through evidence submission to resolution — so your team can focus on the business.

01

Dispute raised

The cardholder or bank raises a dispute. Aqua Pay notifies you by webhook and email within 24 hours.

02

Evidence window

You have 7 calendar days to submit evidence (delivery proof, order details, communication logs) via the merchant dashboard.

03

Aqua Pay review

Our disputes team reviews submitted evidence and liaises directly with the acquiring bank on your behalf.

04

Resolution

Dispute resolved within 15–45 days per network rules. Funds credited back if the chargeback is overturned.

Chargeback fees

Chargeback handling fee₹500 per case
Dispute won (overturned)Fee refunded
Pre-arbitration supportIncluded (Growth+)
Representation docsPrepared by Aqua Pay

Chargeback ratio threshold

Maintain a chargeback ratio below 1% to avoid account review. Aqua Pay proactively alerts you when your ratio approaches the threshold.

Developer docs

Integrate in minutes, not days.

REST APIs with OpenAPI documentation, webhook signatures, idempotent requests, and SDKs to get you live fast.

API reference

Full OpenAPI docs for every endpoint — payin, payout, orders, webhooks, and merchant credentials.

Open API docs

Quick start

Create your first payment link in under 5 minutes using your Client ID and Client Secret.

Get credentials

Webhook guide

Signed webhook delivery with HMAC-SHA256, automatic retries (up to 9x), and event filters.

Read webhook docs

Ready to grow?

Start accepting payments today.

Join merchants who trust Aqua Pay for collections, disbursals, and payment operations. No setup fee. Live in 24 hours.

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