One secure API platform for
Jointpay gives banks, fintechs and enterprises a single integration for AEPS, Micro ATM, Payouts and KYC verification — with encrypted APIs, multi-bank routing and real-time settlement visibility.
Integrated with leading banking partners
Everything you need to offer banking services
Launch assisted banking, money movement and verification on a single platform — one contract, one integration, one dashboard.
AEPS
Aadhaar-enabled biometric banking for cash withdrawal, balance enquiry and mini statements at any retail point.
- Cash withdrawal & deposit
- Balance enquiry
- Mini statement
Micro ATM
Turn any merchant counter into a card-based banking point with debit card withdrawals and balance checks.
- Card cash withdrawal
- Balance enquiry
- Device-agnostic SDK
Payouts
Automate vendor, salary, refund and commission disbursements via API with instant status and callbacks.
- IMPS, NEFT & RTGS rails
- Beneficiary registration
- Multi-bank routing
KYC Verification
Verify customers and beneficiaries in real time to reduce fraud and speed up onboarding.
- Aadhaar verification
- PAN verification
- Bank account validation
BBPS & Recharge
Offer bill payments across electricity, gas, water, broadband, DTH and mobile recharges through one API.
- Bharat Bill Payment System
- Mobile & DTH recharge
- Instant confirmations
Built for scale, uptime and control
A platform engineered for high-volume financial operations — so your teams spend less time on exceptions and more time on growth.
Intelligent multi-bank routing
Switch transactions between banking partners per service — and per merchant for payouts — to keep success rates high during downtime.
Real-time reporting & reconciliation
Live transaction reports, settlement tracking and automated three-way reconciliation between platform, bank and switch.
Flexible commercials
Slab-based commissions, configurable service charges and automated TDS — transparent pricing with no hidden fees.
Bank-grade security at every layer
Every request, session and approval is protected and auditable — designed to meet the expectations of banks and regulated partners.
End-to-end encryption
Hybrid RSA + AES encryption with merchant-specific keys on every API request and response.
IP whitelisting
API access restricted to pre-approved server IPs per merchant, blocking unauthorised traffic.
Maker-checker workflows
Dual authorisation for sensitive operations, with role and department-level access controls.
Session protection
Single active session enforcement, login history and throttling to prevent account takeover.
Complete audit trail
Every API call, callback and status change is logged for compliance, dispute handling and audits.
Dispute management
Structured dispute and chargeback workflows with full transaction context for faster resolution.
Go live in days, not months
Clean REST APIs, sandbox credentials and dedicated integration support take you from contract to production fast.
Onboard & complete KYC
Submit business documents digitally and get approved quickly.
Receive sandbox keys
Get UAT credentials and encryption keys to start building.
Integrate & test
Use our documentation, webhooks and test cases with engineering support.
Go live
Whitelist your servers, switch to production keys and start transacting.
POST /api/payment/transfer Content-Type: application/json x-enkey: "<RSA-encrypted session key>" // Payload before AES encryption { "amount": "25000.00", "mode": "IMPS", "account_no": "XXXXXXXX4521", "ifsc": "XXXX0001234", "client_ref_id": "INV-2026-00981" } // Response { "status": "SUCCESS", "utr": "6284XXXXXX17", "message": "Transaction processed" }
Trusted across the financial value chain
Banks & NBFCs
Extend last-mile reach through assisted banking networks without new branch infrastructure.
Fintech platforms
Embed banking services into your app or B2B portal with a single, well-documented API.
Retail distribution networks
Empower agents and retailers to serve customers with AEPS and bill payments.
Enterprises
Automate vendor, payroll, refund and incentive payouts with complete reconciliation.
Ready to power your banking services?
Talk to our team about integration, commercials and partnership opportunities.