Payments

Disburse out, collect back, reconcile everything.

Payouts for disbursal, payment links and UPI intent for collections, refunds for cooling-off returns. Razorpay, Cashfree, and PhonePe behind one interface.

api.neetix.in

curl -X POST https://api.neetix.in/v1/payouts \
  -H "Authorization: Bearer sk_live_..." \
  -d '{
    "loan_id": "loan_55102",
    "amount": 250000,
    "mode": "imps",
    "account_ref": "ba_9034"
  }'

{
  "payout_id": "pot_6618",
  "status": "processing",
  "utr": null,
  "expected_by": "2026-07-12T14:05:00+05:30"
}

What ships in the box

Payouts

IMPS and NEFT disbursals with UTR tracking and automatic status polling.

Collection links

Payment links and UPI intent for EMI checkout, foreclosure, and part-payment.

Refunds

Cooling-off returns and excess-payment refunds against the original transaction.

Webhook reconciliation

Signature-verified callbacks from every gateway, normalized into one event stream.

Endpoints

POST/v1/payoutsInitiate disbursal

POST/v1/payments/linkCreate collection link

POST/v1/payments/upi-intentUPI intent for EMI

POST/v1/refundsRefund a payment

Providers

Each provider is an adapter behind the same interface. Pick one per lending program, switch with a config change.

Razorpay · + RazorpayX payoutsCashfreePhonePe

Next up

KYC & identity

Wire it into your journey.

Sandbox keys today, production keys when you are ready. An engineer answers, not a bot.