One Van for All the Banks

Direct bank-integrated B2B payment infrastructure for high-value collections, instant reconciliation, and enterprise-grade reliability.

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RBI-regulated bank partnerships

Used by NBFCs, brokers & regulated fintechs

Built for ₹50,000 to ₹50 Crore transactions

Why Enterprises Struggle with B2B Collections Today

Multiple bank integrations and file formats

Delayed reconciliation and manual operations

Aggregator dependency for high-value payments

Limited control over routing, settlement, and limits

VanPaye eliminates this complexity.

Core Capabilities

Purpose-built for enterprises, not SMB checkout flows

Virtual Accounts Infrastructure

Purpose-built for B2B reconciliation at scale

Unlimited virtual accounts across partner banks
Customer / invoice / loan-level mapping
Real-time credit notifications
Automated ledger reconciliation

Outcome: Zero manual reconciliation, faster fund visibility

Multi-Rail, Multi-Bank Payments

NEFT | RTGS | IMPS | UPI – One API

Single integration for all major banking rails
Intelligent routing based on value, time & availability
Unified reporting across rails and banks

Outcome: No bank lock-in, higher success rates

High-Value Transaction Expertise

Unlike consumer gateways, VanPaye is designed for large-ticket payments

RTGS up to ₹50 Crore
High-limit UPI collections
Bulk corporate transfers

Outcome: Built for enterprises, not SMB checkout flows

Bank-Grade Security & Compliance

Enterprise-ready and regulator-friendly infrastructure

Direct TSP partnerships with banks
PCI-DSS compliant architecture
ISO 27001 aligned security controls
Complete audit trails for every transaction

Outcome: Enterprise-ready and regulator-friendly

Area	Aggregators	VanPaye
Bank Access	Indirect	Direct TSP model
High-Value Focus	Limited	Core strength
Reconciliation	Post-processed	Real-time
Custom Workflows	Restricted	Fully configurable
Enterprise SLAs	Best-effort	Contractual

Developer Experience

Go live in days, not months

Clean REST APIs
Sandbox + production parity
Webhooks, retries, idempotency
Dedicated integration engineer

View Documentation

Create Virtual Account POST /api/v1/virtual-accounts

{
  "customer_id": "CUST_001",
  "account_type": "collection",
  "reference": "INV-2024-001",
  "metadata": {
    "invoice_id": "INV-2024-001",
    "amount": 250000,
    "due_date": "2024-02-15"
  }
}