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SwifTrail
PAYOUTS / DISBURSEMENT API

Send money anywhere in India, 24×7, on the fastest route

One API to pay vendors, partners, employees, borrowers and customers via IMPS, NEFT, RTGS and UPI — with multi-bank redundancy so payouts never wait for a bank.

  • IMPS — instant, 24×7
  • UPI — to any VPA, 24×7
  • NEFT — batch
  • RTGS — high-value
Talk to SalesPayouts API docs

Facilitated through RBI-licensed Payment Aggregator partners & partner banks · PCI-DSS compliant infrastructure

Scope your payouts

Tell us who you pay and how often — we'll size the rails, limits and settlement cycle.

Rails you need

Answer 2 more questions to continue.

Every domestic rail, one endpoint

IMPS — instant, 24×7UPI — to any VPA, 24×7NEFT — batchRTGS — high-valueBank-to-walletPayout links

Everything a finance team needs to move money

Multi-Bank Pipes
Payouts flow through multiple partner banks; if one is down, another takes over automatically.
Bulk Payouts
Upload a file or call the API to disburse thousands of payouts in one go.
Instant Beneficiary Verification
Penny-drop and UPI verification before money moves.
Maker–Checker Approvals
Configurable approval workflows, limits and roles.
Scheduled & Recurring Payouts
Salaries, commissions, EMIs on autopilot.
Real-time Status & Webhooks
Know the moment a payout is processed, reversed or pending.
AI Reconciliation
Payouts auto-matched against bank statements and ledgers.
Balance & Funding Options
Pre-fund via virtual account or link a current account with a partner bank.

Use cases

Vendor & supplier payments
Pay hundreds of suppliers on time without bank portals.
Salary & gig-worker payouts
Daily, weekly or on-demand earnings for delivery, drivers and freelancers.
Lending disbursements
Instant loan disbursal and collections for NBFCs and fintech lenders.
Marketplace seller settlements
Split and settle to sellers automatically.
Refunds & cashbacks
Instant refunds to bank or UPI, independent of original payment mode.
Insurance claims & withdrawals
Claim payouts, policy refunds and customer withdrawals.

Industries

NBFC & lendingMarketplacesGig platformsInsuranceLogisticsHR & payrollRetail distribution networks

Frequently asked questions

Can I send payouts at night or on holidays?

Yes — IMPS and UPI payouts work 24×7, 365 days.

What happens if a bank is down?

SwifTrail routes through an alternate partner bank automatically.

How do I fund payouts?

Pre-fund a virtual account or link a current account at a partner bank.

Do you verify beneficiaries?

Yes — penny-drop and UPI verification are built in.

Is there a per-transaction limit?

Limits depend on rail and your configuration; RTGS supports high-value transfers.

Move money the moment you decide to.

Talk to us about volumes, approval workflows and funding options.

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