Unified pay-in & pay-out

One API for all your payments.

Flowsmin gives you a single, unified API to collect and disburse payments. Real-time wallets, instant settlements and a complete vendor portal — all from one integration.

Become a vendor See how it works

No setup fees Go live in days

POST /v1/orders

// One call to accept any payment.
{
  "amount": 25000,
  "currency": "INR",
  "method": "upi",
  "vendor_ref": "ORD-9F2C"
}

Method

UPI

Status

Captured

Latency

240ms

99.95%

Platform uptime

<300ms

Median API latency

UPI · Cards

All major methods

T+1

Settlement cycle

Everything in one place

Built to move money, reliably

Accept, hold and disburse money — then reconcile automatically, all from a single platform.

Unified API

A single REST API for pay-in and pay-out across UPI, cards, netbanking and wallets. Integrate once, accept everything.

Refunds & disputes

Issue full or partial refunds via the API and track disputes end to end with a clear, auditable trail.

KYC onboarding

Guided vendor KYC with document upload, review workflow and status tracking — compliant from day one.

Wallets & ledger

Real-time vendor wallets with a double-entry ledger, held balances and full audit trail.

Settlements

Configurable settlement cycles, payout requests and automatic reconciliation and reporting.

Webhooks

Signed, retryable webhooks keep your systems in sync on every status change in real time.

Onboarding

Live in four steps

From sign-up to your first transaction — straightforward and fully guided.

Register

Complete KYC

Upload documents and bank details. Our team reviews and activates your account.

Grab API keys

Generate keys and webhooks from the vendor portal, test in sandbox.

Go live

Switch to production and start accepting pay-ins and pushing pay-outs.

Start your registration

Simple, transaction-based pricing

Pay only for what you process. No setup fees, no lock-in. Custom rates for high volumes.

View full pricing

Starting from

1.9% / txn

Unified pay-in & pay-out API
KYC onboarding & vendor portal
Wallet, settlements & webhooks

FAQ

Questions, answered

Flowsmin is a unified payments platform. You integrate once with our API to accept payments (pay-in) and disburse funds (pay-out), with wallets, settlements and a full vendor portal included.

Registration takes a minute. Once you submit KYC documents, account activation typically completes within 1–2 business days, after which you can go live.

Yes. The same unified API handles collecting payments (pay-in) and disbursing funds (pay-out), each managed independently.

Funds collected are tracked in your real-time wallet ledger and settled to your bank on a configurable cycle (default T+1), with full reconciliation and reporting.

Yes — a Flutter-based Android app lets you monitor transactions, wallet balance and settlements on the go.

Ready to unify your payments?

Join as a vendor and start accepting and disbursing payments through a single integration.

Become a vendor Talk to sales