Enterprise Payment Gateway & Instant IMPS Rails

Institutional Payments.
Zero Trust Architecture.

ClearFinTech bridges institutional merchants, educational institutions, and high-volume billers with intelligent acquiring switches, tokenized card vaults, and real-time bank settlements.

Explore Enterprise Pricing Merchant Portal Login View Switch Features →

256-Bit TLS Encryption

256-Bit AES-GCM Card Vault

Real-Time Bank IMPS UTRs

99.99% Guaranteed SLA

ClearFinTech Core Gateway Switch • v2.4.0-prod

All Acquiring Rails Operational

Card Payment Flow 3DS Bypass

Card: 411122******4444

Network: VISA / HDFC

Vault Token: wc_304c22d0d...

Decision: APPROVED (Instant)

Instant Settlement T+0 Atomic

Settled UTR: CMS20261011350998

Rail: NPCI IMPS Switch

Account: HDFC0000060-******1001

TAT: < 850 milliseconds

Security & Auth Zero-Trust

JWT Signing: HMAC-SHA384

CVV Redaction: 100% Non-Volatile

Silent Refresh: 50m Auto-cycle

IDOR Shield: Active

₹500Cr+

Institutional Volume

99.99%

Gateway Switch Uptime

< 750ms

IMPS Payout Latency

10,000+

Daily Transactions

Built for Modern Commerce

Full-Stack Payment Infrastructure

Everything enterprise businesses need to collect, vault, route, and instantly disburse institutional funds.

Smart Payment Gateway

Accept Credit/Debit Cards, UPI 2.0 AutoPay, NetBanking across 50+ banks with intelligent dynamic routing and frictionless 3DS orchestration.

Request Integration Docs →

Instant IMPS Disbursal

Sub-second atomic payouts directly to bank accounts. Real-time bank UTR generation, automated beneficiary verification, and round-the-clock availability.

Explore Disbursal Rails →

Secure Tokenized Vault

Store cards safely without touching plaintext PAN or CVV. Full compliance with RBI card tokenization guidelines using OpenSSL AES-256-GCM encryption.

Security Specifications →

Developer First

Integrate in Minutes with RESTful Architecture

Simple, standard JSON endpoints. Comprehensive server-side libraries in PHP, Node.js, Python, and C#. Built-in sandbox mode for offline zero-friction development.

Instant Webhooks for status change notifications

Automatic card vault tokenization (`wc_...`)

Built-in idempotency keys & transaction verification

Request API Credentials

POST /api/v1/payment/process cURL Example

curl -X POST http://localhost:8000/api/v1/payment/process \
  -H "Content-Type: application/json" \
  -d '{
    "orderKeyId": "ORD_20261011_99",
    "amount": "2500.00",
    "customerName": "Ramesh Kumar",
    "customerEmail": "ramesh@example.com",
    "customerPhone": "9876543210",
    "cardNumber": "4111222233334444",
    "expiryMonth": "12",
    "expiryYear": "28",
    "cvv": "***"
  }'

HTTP 200 OK:

{
  "success": true,
  "status": "PENDING_3DS",
  "vendorTxnId": "vt_9a41b2e88...",
  "redirectUrl": "/pay/simulate-3ds?vt=..."
}

Institutional Payments. Zero Trust Architecture.