Send funds to any bank account or UPI handle via IMPS, NEFT, RTGS or UPI — 24x7, with no beneficiary registration. One API for vendor payments, refunds, salaries and cashbacks.
| Mode | Settlement time | Availability | Typical use | Limit |
|---|---|---|---|---|
| UPIFastest | < 5 seconds | 24x7, incl. holidays | Refunds, cashback, P2P | Up to ₹1 lakh |
| IMPS | < 5 seconds | 24x7, incl. holidays | Vendor pay, salaries | Up to ₹5 lakh |
| NEFT | Batch windows (~30 min) | 24x7 (RBI batches) | Bulk, non-urgent payouts | No upper limit |
| RTGS | ~30 minutes | 24x7 | High-value settlements | Min. ₹2 lakh |
Wepego's Payout API is a full fund disbursement solution for bank transfers and UPI payouts — send money via fund transfer APIs or bulk file upload, with no beneficiary registration step slowing you down.
It's JSON-based and RESTful, with code snippets, a full sandbox environment, and support across every major backend language. Every transfer is SSL-encrypted and settles in real time across all four rails from one integration.
Built in: a Bank Account Verification API that returns the real account holder's name before you send a single rupee — cutting failed and misdirected transfers to near zero.
Same JSON shape whether you're sending to a bank account or a UPI handle.
| Parameter | Type | Status | Description |
|---|---|---|---|
account_no | string | Required* | Bank account number |
ifsc | string | Required* | Bank IFSC code |
upi_id | string | Required* | UPI VPA handle |
amount | number | Required | Transfer amount in INR |
mode | string | Required | IMPS, NEFT, RTGS or UPI |
ref_id | string | Required | Your unique reference ID |
beneficiary_name | string | Optional | Recipient name for records |
notify_url | string | Optional | Webhook URL for status callback |
*Either account_no + ifsc or upi_id is required, depending on the transfer mode.
Clean REST API with code snippets across PHP, Java, .NET, Python and Node.js.
Every payout is encrypted end-to-end and settles across all four rails.
Send via API or file upload — no beneficiary registration step first.
Confirm the account holder's name before you send funds, not after.
Call the Bank Account Verification API to confirm the account and get the owner's name before sending funds.
POST the payout request with account details, amount, mode and reference ID — funds move instantly.
Get a JSON response with the bank RRN/UTR, plus an optional webhook for real-time status updates.
Bulk upload or API, with no registration step.
Instant refunds to UPI or bank account.
Automate retention incentives.
Marketplace or aggregator payouts.
Pay employees and partners on time.
Automate cash-on-delivery refunds.
No. Send a payout directly with the account number and IFSC (or UPI handle) in the same request — no separate registration step required.
UPI and IMPS typically settle in under 5 seconds, 24x7. NEFT follows RBI batch windows, and RTGS is used for transfers above ₹2 lakh.
Yes — the Bank Account Verification API returns the real registered account holder name before you disburse funds.
Yes — via repeated API calls or a batch file upload, useful for salary runs or large vendor payment cycles.
Failed payouts are auto-reversed to your Wepego wallet, and the webhook reports the failure reason so you can retry.
Yes — our sandbox simulates every transfer mode and common failure scenarios before you go live.
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