Centx provides secure Payin and Payout APIs for businesses through trusted banking rails including UPI, IMPS, Cards and Net Banking.
UPI / Card / Net Banking
Smart routing & fraud detection
Secure banking rails
Real-time confirmation
Payment aggregator infrastructure
Compliant card data handling
256-bit encryption standards
End-to-end data protection
End-to-end payment solutions for accepting and disbursing payments across India's banking rails.
Accept payments from customers using multiple payment methods with intelligent routing.
Automate business payouts to vendors, employees, and partners at scale.
Developer-first APIs for seamless payment integration and automation.
POST /v1/payments/create { "amount": 50000, "currency": "INR", "method": "upi" }
From customer initiation to merchant settlement — every step secured and optimized.
Initiates payment
Routes & secures
Processes transaction
Receives settlement
Purpose-built payment stack for reliability, speed, and security at scale.
High-availability REST API with rate limiting and load balancing.
Learn more →Multi-rail router with smart failover and latency optimization.
Learn more →ML-powered risk scoring with real-time pattern detection.
Learn more →Automated reconciliation and settlement with multi-bank support.
Learn more →Centx partners with regulated, low-risk business segments across India.
Online retail and marketplaces
Subscription software services
Freight and delivery platforms
EdTech and learning platforms
Booking and travel services
Recurring billing businesses
Bank-grade security protocols aligned with RBI Payment Aggregator guidelines.
Full compliance with Payment Card Industry Data Security Standards.
Learn more →AES-256 at rest and TLS 1.3 in transit for full data protection.
Learn more →Sensitive card data replaced with secure tokens, never stored.
Learn more →Real-time ML-based anomaly detection and velocity checks.
Learn more →HMAC signatures, IP whitelisting, and OAuth 2.0 support.
Learn more →Automated merchant verification and continuous AML monitoring.
Learn more →Complete visibility over your payment operations with real-time analytics.
| Transaction ID | Method | Amount | Status | Time |
|---|---|---|---|---|
| TXN_7f8a2b3c | UPI | ₹2,450 | Success | 2 min ago |
| TXN_9d1e4f5g | Card | ₹8,900 | Success | 5 min ago |
| TXN_3h6i7j8k | Net Banking | ₹15,000 | Pending | 8 min ago |
| TXN_1l2m3n4o | UPI | ₹750 | Success | 12 min ago |
| TXN_5p6q7r8s | IMPS | ₹32,000 | Failed | 15 min ago |
Clean, well-documented APIs with everything you need to integrate payments.
Comprehensive guides with examples for every endpoint.
Official SDKs for Node.js, Python, PHP, Java, and Go.
Real-time notifications for payment status changes.
Full test environment with simulated transactions.
// Create a payment order const centx = require('centx-sdk'); const client = new centx.Client({ api_key: 'cx_live_...', secret: 'cx_secret_...' }); const order = await client.payments.create({ amount: 50000, currency: 'INR', method: 'upi', customer: { name: 'Priya Sharma' }, callback_url: 'https://yourapp.com/webhook' }); console.log(order.id); // → "order_7f8a2b3c"
// Initiate a payout const payout = await client.payouts.create({ amount: 25000, method: 'imps', beneficiary: { name: 'Vendor Corp', account_no: '91020034001234', ifsc: 'HDFC0001234' } }); console.log(payout.status); // → "processing"
To provide every business in India access to reliable, secure, and compliant payment infrastructure through trusted banking rails.
Building a modern transaction layer connecting businesses to India's banking network with enterprise-grade reliability.
Every system, API, and transaction designed with security as the foundational principle — aligned with RBI Payment Aggregator guidelines.
Secure payment infrastructure for businesses in India through UPI, IMPS, Cards, and Net Banking — the banking rails India trusts.
Speak with our team to learn how Centx can power your payment operations.
sales@centx.org
centx.org