Every rail that matters in India
UPI
Instant consumer payments with the highest adoption of any Indian rail.
IMPS
24/7 immediate interbank transfers for mid-size amounts.
NEFT
Batch-settled transfers suited to routine and recurring flows.
RTGS
Real-time gross settlement for high-value transactions.
Bank transfer
Dedicated collection accounts for merchants that need bank-native acceptance.
Route each payment to the rail most likely to succeed
Success rates in India vary by rail, ticket size, bank and time of day. Static routing leaves revenue on the table.
PayEurasia's routing layer distributes volume across configured providers, and automatic failover pulls traffic away from a degraded route before your customers notice.
Rail selection
Match amount and urgency to UPI, IMPS, NEFT or RTGS.
Provider failover
Health-aware switching keeps acceptance online during incidents.
Live observability
Success rate, latency and decline reasons visible per route.
Designed for demanding verticals
- Forex
- iGaming
- Digital services
- SaaS
- E-commerce
- Subscriptions
- Marketplaces
- Cross-border merchants
Onboarding and controls that hold up to scrutiny
KYB and KYC
Structured document collection and review for entities and directors before activation.
AML monitoring
Transaction monitoring with velocity and pattern rules, plus escalation workflows.
Auditability
Immutable activity logs across administrative and merchant actions.
Scale payments across India
Apply as a merchant and we will map your volume, ticket profile and vertical to the right combination of UPI, IMPS, NEFT and RTGS.
Frequently asked questions
Which India payment methods does PayEurasia support?
UPI, IMPS, NEFT, RTGS and direct bank transfers, all through one API and one reconciliation pipeline.
What is the difference between IMPS, NEFT and RTGS?
IMPS is instant and available around the clock for smaller ticket sizes. NEFT settles in batches and suits routine transfers. RTGS is designed for high-value transactions settled individually in real time. PayEurasia exposes all three so you can match the rail to the payment.
Is UPI suitable for high-ticket payments?
UPI is optimised for fast, low-friction consumer payments. For larger amounts, RTGS or bank transfer is usually the better rail, and PayEurasia can route accordingly.
Can PayEurasia support high-risk merchants in India?
Yes. Our infrastructure and compliance processes are built for verticals such as Forex, iGaming, digital services and subscription platforms.
How do settlements work?
Confirmed volume accrues to your merchant balance and settles on the cadence set at onboarding, with itemised statements and CSV exports in the merchant portal.
Can I run India and Bangladesh from one integration?
Yes. One API, one dashboard and one settlement view cover Bangladesh, India, Pakistan and Nepal.
Related guides
Best Payment Gateway in India
Evaluating UPI, IMPS, NEFT and RTGS coverage, settlement and approval rates.
Read the guideUPI Merchant Payment Guide
Intent and QR flows, webhooks and settlement for UPI collections.
Read the guideMerchant Payment Infrastructure Guide
The ledger, reconciliation and reporting layer behind a reliable checkout.
Read the guideHow High-Risk Payment Processing Works
Underwriting, reserves, routing and monitoring explained for complex verticals.
Read the guide