Best Payout API Provider India — Instant Bank Transfers & Bulk Disbursement

Laraware’s Payout API enables instant bank transfers, UPI payouts, and bulk disbursements for fintech enterprises. Process salary payments, vendor payouts, commission settlements, and refunds — all through a single API. Trusted by 500+ businesses for daily payouts.

Payout API Features

• IMPS Payout — Instant transfer to any bank account 24×7
• NEFT/RTGS — High-value transfers with scheduled processing
• UPI Payout — Transfer to UPI IDs (VPA) instantly
• Bulk Disbursement — Process 10,000+ payouts in a single batch
• Account Verification — Penny drop + name match before payout
• Automatic Retry — Failed payouts retried through alternate routes
• Webhook Callbacks — Real-time status notifications
• Virtual Account — Dedicated virtual accounts for settlement

Use Cases

• Commission Settlement — Auto-payout commissions to agents and distributors
• Vendor Payments — Bulk vendor payouts for e-commerce and marketplaces
• Salary Disbursement — Employee salary transfers
• Refund Processing — Customer refunds via original payment method
• Insurance Claims — Claim settlement disbursements
• Lending Disbursement — Loan amount disbursement to borrowers

Payout API Endpoints

• POST /api/v2/payout/single — Single payout to bank/UPI
• POST /api/v2/payout/bulk — Batch payout processing
• POST /api/v2/payout/verify-account — Verify beneficiary account
• GET /api/v2/payout/status/{id} — Check payout status
• GET /api/v2/payout/balance — Check available payout balance

FAQ

How fast are payouts processed?

IMPS payouts are processed within 30 seconds. UPI payouts are instant. NEFT follows batch settlement (half-hourly). RTGS is real-time for amounts above ₹2 Lakh.

Is there a minimum payout amount?

Minimum payout is ₹1 for IMPS and UPI. There is no maximum limit for RTGS. IMPS supports up to ₹5 Lakh per transaction.

Get payout API access | View fintech platform | Download B2B proposal