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SwifTrail
PAY-IN / PAYMENT GATEWAY

A payment gateway that never depends on one bank

Accept every payment method your customers use — routed in real time across 25+ banking and aggregator pipes for the highest success rate on every transaction.

  • UPI
  • Cards
  • EMI
  • Net Banking
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Facilitated through RBI-licensed Payment Aggregator partners & partner banks · PCI-DSS compliant infrastructure

Scope your gateway

Four answers and we'll come back with routing, success-rate and pricing specifics for your mix.

Payment methods you need

Answer 1 more question to continue.

Every way India pays

One integration, all methods — and new ones as they launch.

UPI
Intent, Collect, QR (static & dynamic), UPI Autopay for recurring payments
Cards
Visa, Mastercard, RuPay, American Express, Diners; debit & credit; domestic & international; tokenised (CoFT)
EMI
Credit-card EMI, debit-card EMI and cardless EMI from leading banks & NBFCs
Net Banking
60+ banks
Wallets
All major wallets
BNPL / Pay Later
Leading pay-later providers
Bank Transfer
Virtual accounts for NEFT / RTGS / IMPS with auto-reconciliation
Bharat QR & UPI QR
For offline and assisted collections

Built for success rates, not just acceptance

AI Smart Routing
Each transaction is sent to the pipe with the highest predicted success for that bank, card BIN, amount and time of day.
Automatic Failover
If a bank or aggregator degrades, traffic shifts instantly. Your customers never see the outage.
Hosted Checkout & Custom Checkout
Launch in minutes with our optimised checkout, or build your own on our APIs.
Payment Links & Pages
Collect without code via SMS, WhatsApp, email or a hosted page.
Subscriptions & Mandates
UPI Autopay, e-NACH and card standing instructions.
Invoicing
GST-compliant invoices with embedded payment links.
Plugins
Shopify, WooCommerce, Magento, OpenCart, PrestaShop, WordPress.
Mobile SDKs
Android, iOS, React Native, Flutter.
Instant Refunds
Full & partial refunds via API or dashboard.
Settlements
Standard T+1; same-day and on-demand settlement options available.

Everything visible, nothing manual

One dashboard for the whole payment operation.

  • Real-time transactions
  • Success-rate analytics by method, bank and pipe
  • AI reconciliation with bank statements
  • Settlement and GST reports
  • Refund & dispute management
  • Risk & fraud alerts
  • Role-based team access, exports and scheduled reports

Who it's for

E-commerce & D2CSaaS & subscriptionsEdTech fee collectionTravel & hospitalityInsurance premium collectionUtilities & government collections

Frequently asked questions

Which payment methods can I accept?

UPI, all major cards, net banking (60+ banks), wallets, EMI, pay-later and bank transfers via virtual accounts.

How does smart routing improve success rates?

Every transaction is scored against live performance of each connected pipe and sent to the one most likely to succeed; failures re-route automatically.

When do I receive settlements?

Standard T+1 working day; same-day and on-demand settlement are available on request.

Is SwifTrail PCI-DSS compliant?

Yes — card data is handled on PCI-DSS compliant infrastructure and tokenised as per RBI guidelines.

Can I use my existing website or app?

Yes — REST APIs, SDKs, plugins and no-code links support any stack.

Can I migrate from my current gateway?

Yes; we provide free migration support and parallel-run testing.

Migrating from another gateway? We'll do the heavy lifting.

Free migration support, parallel-run testing and a dedicated integration engineer.

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