This API can be used to make payment through multiple modes with a fall-back mechanism where Fintech can choose the priority order of executing the same transaction in order to avoid failures.
Below are the various payment modes available on Composite Pay:

• NEFT
• RTGS
• IMPS
• UPI

It uses IMPS mode to validate the beneficiary of a transaction where in Re.1 is deposited into the account and the resultant ping-back confirms the KYC compliant beneficiary

a. Transactional APIs:

• Transaction with OTP: Make payment within bank and outside bank (RTGS, NEFT, FT) with OTP
• Transaction without OTP: Make payment within bank and outside bank (RTGS, NEFT, FT) without OTP

b. Non – Financial APIs:

• Transaction Status: Fetch transaction status
• NEFT Incremental Status: Know NEFT payment status at different stages of transaction after 30 min of initiation
• Recon 360: Check transaction status of IMPS & UPI

It helps in virtual account setup and enables a corporate to receive payments through various modes with enhanced reports on credits to aid reconciliation. A unique virtual account is assigned to each payer to use during payments instead of actual account of the payee. This is a flexible and customizable solution which expedites the collection process for Fintechs and provides them with timely MIS

Click here to begin self onboarding through iXC

To make mandate registration process hassle free & reduce TAT by invoking E-Mandate API with Internet banking & Debit Card authentication

Enable any business to collect recurring bill with smooth and easy reconciliation using NPCI dashboard and customizable MIS

Customers can easily initiate Remittance transaction for the beneficiaries abroad for any permissible Purpose Code declared by FEMA. In addition, clients can also seamlessly initiate settlement requests for inwards received.

• Inward Remittance Settlement
• Outward Remittance

Issued at client’s request to assure payment to the supplier up to a stated amount, within a prescribed time. ICICI offers both Limit Backed and Cash Backed LCs over APIs.

• LC Issuance
• LC Amendment

Corporates can digitally receive bill presentation and accept the bills presented. Also, enables clients to initiate payments for accepted bills before due date..

• Bill Acceptance
• Bill Payment
• Bill Presentation

Bank offers surety for different business obligations on behalf of the customer within certain regulations. ICICI offers both Limit Backed and Cash Backed BGs over APIs.

• BG Issuance
• BG Amendment

Customer is empowered to query about the transactional status, list of limits and list of FDs linked to their account.

• Limit Enquiry
• FD Enquiry
• Transaction Status Enquiry

Processing of Export Bill Lodgment & regularisation for all direct exports/advance payments against outstanding shipping bills

• Export Bill lodgement
• Export Bill regularization
• AD Transfer
• EBRC
• Post-Facto Realisation

Customers can process bulk Bill of Entry (BoE) hassle-free and clients can regularise the outstanding BOEs against remittance initiated earlier

• BOE Bulk Payment
• BOE Regularisation (iBoE)

• e-LC: Corporate client receives the LC/SBLC information as soon as they get advised in the bank’s core system
• e-BG:Authentication of Bank Guarantees received in customer’s favor.
• EEFC to INR Conversion

• Pay Only: This API is developed for paying the bill for billers who allow payments without fetching the bill
• Fetch Bill: This API is developed to Fetch Bill based on input details
• Fetch and Pay Bill: This API is developed to fetch pay based on the request packet. User need to pass same biller reference id and unique id which they have passed in fetch bill API
• Calculate tax: This API is developed to calculate the tax
• History API: This API is used to check history of all transactions within the specified time frame
• Inquiry API: This API is used to inquire about a specific transaction made by the client

• Fetch API – Retrieve all transactions created at GST portal

• Payment API – For making GST payments for the selected transactions out of the transactions retrieved using fetch API. Basis, transaction processing, status response is confirmed as Success or Failure

• Debit Advice Download API – For payments successfully completed, user can download debit advice in pdf format

• Refetch API – In case transactions previously retrieved once but pending for payment and not stored at customer end, they can initiate refetch request for those pending transactions

• Double Verification API – In case of any time out/ connection error (beyond 30 secs), customer can initiate double verification to check status of transactions – Success or Failure

• Fetch API – Retrieve all transactions created at ICEGATE portal

• Payment API – For making Custom Duty payments for the selected transactions out of the transactions retrieved using fetch API. Basis, transaction processing, status response is confirmed as Success or Failure

• Debit Advice Download API – For payments successfully completed, user can download debit advice in pdf format

• Refetch API – In case transactions previously retrieved once but pending for payment and not stored at customer end, they can initiate refetch request for those pending transactions

• Double Verification API – In case of any time out/ connection error (beyond 30 secs), customer can initiate double verification to check status of transactions – Success or Failure

Corporate can check dealer’s account balance & collect payment from dealer accounts through their ERP/Server

It is meant for e-Commerce companies. Using our paylater APIs, they can convert specific group of customers (Young-Millenial-Cash Strapped) to buyers by offering them easy no hassles line of credit using Paylater product

This API is used to fetch account number linked to debit card.

Offer your customer independence to pay anytime, anywhere with co-branded prepaid cards