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UnPay

UnPay

UnPay gives Indian businesses an API-first financial operating system that unifies payments, banking, and lending on one shared ledger.

Operating headquarters
Kolkata, West Bengal, IN🇮🇳
Founded
2024
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Overview
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Employees
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Library

UnPay - Library

unpay.co·Crawled Oct 9, 2026·

Topics

Publication type

Content origin
Row density

Product

6 pages
  1. Developers — One API Contract, 480 Endpoints/developers

    Build on UnPay: 480 REST endpoints under one versioned contract, SDKs in five languages, instant webhooks and a full-featured sandbox that is free forever.

  2. Flash Checkout/products/flash-checkout

    The fastest, most reliable checkout experience. 1-click native payments built for conversion. Flash Checkout unifies UPI, cards, netbanking and wallets…

  3. Platform — Architecture, Security & Reliability/platform

    How UnPay works under the hood: one API contract, one identity graph, smart routing across 10+ banking partners, 99.99% uptime and ISO 27001 certified operations.

  4. Products — The Complete FinTech Stack/products

    Fifteen production-grade fintech products on one ledger: Flash Checkout, UPI Collect, Payouts, Connected Banking, Escrow, Lending OS, Reconciliation OS and KYC.

Blog

6 pages
  1. Agentic payments in India: AI agents and UPI/blog/agentic-payments-india-ai-agents-upi

    How AI agents could pay on UPI: what NPCI has confirmed, what is only reported, the open liability question, and how businesses can prepare now.

  2. AI in lending: use cases, limits and RBI's FREE-AI framework/blog/ai-in-lending-operations

    Where AI is used across the loan lifecycle in India, where it is still limited, and what the RBI's FREE-AI framework expects lenders to put in place.

  3. Bank–fintech partnerships: who owns which control/blog/bank-fintech-shared-responsibility-model

    A shared-responsibility model for bank–fintech partnerships under RBI's outsourcing directions: who owns each control, and where partnerships break.

  4. Blog — Fintech Infrastructure Insights/blog

    Deep dives on payments, banking, lending and financial operations from the team building India's financial operating system.

Press

6 pages
  1. Press — News & Media Kit/press

    UnPay press releases, company facts and media kit — logo, brand colors and boilerplate for journalists and partners.

  2. UnPay Accounting OS: double-entry ledger for fintech/press/accounting-os-availability

    UnPay introduces Accounting OS: a double-entry general ledger with receivables, payables, banking sync, expenses, GST returns and financial reporting.

  3. UnPay guidance on the UPI MDR framework/press/upi-mdr-framework-guidance

    UnPay publishes guidance on the UPI MDR framework: 0.4% on specified merchant transactions above ₹2,000 from 15 October 2026, exemptions, and what to do.

  4. UnPay introduces Connected Banking/press/connected-banking-availability

    UnPay introduces Connected Banking: programmable current accounts, virtual account numbers, normalised statement APIs and orchestration across partner banks.

Careers & Hiring

1 page
  1. Careers — Build the Financial OS/careers

    Join the team building India's financial operating system. Open roles in engineering, product, compliance and developer relations — Kolkata and remote.

Pricing

1 page
  1. Pricing — Transparent, Usage-Based Plans/pricing

    UnPay pricing: start free in sandbox, pay per transaction as you grow, and get custom enterprise pricing at scale. Transparent, volume-tiered rates agreed up front.

Comparison

6 pages
  1. UnPay Accounting OS vs Zoho Books (2026)/blog/unpay-accounting-os-vs-zoho-books

    UnPay Accounting OS vs Zoho Books compared: double-entry ledger, GST returns, bank sync, AR/AP, and why financial businesses need transaction-level…

  2. UnPay Connected Banking vs Open (2026)/blog/unpay-connected-banking-vs-open

    UnPay Connected Banking vs Open compared: bank connectivity, virtual accounts, statement APIs, payouts, reconciliation, and who each platform is built for.

  3. UnPay DocSig vs Leegality (2026)/blog/unpay-docsig-vs-leegality

    UnPay DocSig vs Leegality compared: Aadhaar eSign, e-stamping, templates, multi-party signing, audit certificates and integration with lending.

  4. UnPay Embedded Finance vs Decentro (2026)/blog/unpay-embedded-finance-vs-decentro

    UnPay Embedded Finance vs Decentro compared: white-label accounts, payments, credit, KYC, ledger, lending infrastructure and which fits your platform.

About

1 page
  1. About — The Financial OS for India/about

    UnPay Innovation Private Limited builds India's unified financial infrastructure — payments, banking, lending and operations on one platform.

Contact

2 pages
  1. Contact Sales/contact

    Talk to UnPay's team about payments, banking, lending and financial operations infrastructure. Get sandbox access and a solutions architect on your first call.

  2. Help Center — Knowledge Base/help-center

    Guides and answers for everything UnPay: payments, payouts, banking, lending, KYC, billing and troubleshooting.

Homepage

1 page
  1. Homepage/

    Unified, API-first infrastructure for payments, banking, lending and financial operations — engineered for regulated, national-scale money movement in India.

Privacy

2 pages
  1. Cookie Policy/cookie-policy

    The cookies and similar technologies used on UnPay's website, what each category does, the third parties involved and how to control them.

  2. Privacy Policy/privacy

    How UnPay Innovation Private Limited collects, uses, protects and shares personal and business data across its platform and website.

Terms & Conditions

5 pages
  1. AML & KYC Policy/aml-kyc

    UnPay's anti-money-laundering and know-your-customer framework: customer due diligence, risk categorisation, sanctions screening, monitoring, record keeping and reporting.

  2. Grievance Redressal Policy/grievance-redressal

    How to raise a complaint with UnPay, the three escalation levels, response timelines and the route to the RBI Ombudsman if a grievance remains unresolved.

  3. Prohibited & Restricted Businesses/prohibited-businesses

    The business categories UnPay does not support, and those that require prior approval, under our acceptable use rules and partner bank and card network requirements.

  4. Refund & Cancellation Policy/refund-cancellation

    How refunds, cancellations, failed transactions and chargebacks are handled on UnPay's platform, including timelines and how to raise a request.

Coverage

5 items
  1. UnPay Accounting OS: double-entry ledger for fintechunpay.co/press/accounting-os-availability

    UnPay introduces Accounting OS, a double-entry general ledger for fintech. The software includes receivables, payables, banking sync, expenses, GST returns, and financial reporting.

    Sep 2026 · unpay.coNews article

  2. UnPay launches Reconciliation OS — month-end close in hours, not weeksunpay.co/press/reconciliation-os-launch

    UnPay launches Reconciliation OS, the newest module of its financial OS. The module auto-matches bank feeds against the ledger at 98%+, routing exceptions to a review queue and aiming to reduce month-end close from weeks to hours.

    Aug 2026 · unpay.coNews article

  3. UnPay crosses one million transactions a day across its payment railsunpay.co/press/one-million-transactions-a-day

    UnPay reports processing more than one million transactions each day across its payment rails. Its smart routing across more than 10 partner banks maintained 99.99% uptime through the season peak, and eligible merchants received T+0 settlement.

    May 2026 · unpay.coNews article

  4. UnPay launches Lending OS — origination to collections on one ledgerunpay.co/press/lending-os-suite-launch

    UnPay launches Lending OS, a suite for loan origination, management, and collections. The suite brings these functions onto the platform’s shared ledger and identity graph.

    May 2025 · unpay.coNews article