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Payaura — B2B FinTech API and payment orchestration platform
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In developmentPay-In Pay-Out Verification

B2B FinTech API & payment orchestration

One API. Multiple providers. Simplified payments.

Payaura provides businesses with a unified technology layer for pay-in, pay-out and verification services through secure APIs and integrated financial service providers.

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Payaura
  • Businesses
  • Merchants
  • Platforms
  • Pay-In
  • Pay-Out
  • Verification
  • Providers
04
Solution areas
15
V1 capabilities
01
Integration required
06
Architecture layers
  • Payment collection
  • Transaction status
  • Webhooks
  • Ledger entries
  • Payout initiation
  • Beneficiary handling
  • Payout status and webhooks
  • Balance and settlement tracking
  • PAN verification
  • Verification API access
  • Verification records
  • Unified REST API
  • API authentication
  • Multi-provider orchestration
  • Reconciliation and reporting

The Payaura idea

Payment infrastructure businesses can build on

Payaura is being built as a B2B technology platform: a unified API for pay-in, pay-out and verification, with an orchestration layer that connects those requests to integrated payment and verification providers.

The problem it addresses is concrete. Every provider has its own request format, its own status vocabulary and its own portal, and a business that works with several ends up maintaining an integration per provider and reconciling across all of them. Payaura is designed so that work happens once, in one place.

More about Payaura

  • Unified API

    One integration for pay-in, pay-out and verification.

  • Multi-provider orchestration

    A routing layer between your request and the provider that fulfils it.

  • Transaction engine and ledger

    Double-entry records behind every balance and settlement.

  • Merchant and admin platform

    Operations, reconciliation and reporting in one place.

  • Developer-focused integration

    Standardised responses, webhooks, and separate test and live environments.

Solutions

Pay-in, pay-out and verification — through one API

Four solution areas make up Payaura V1. Each is reached through the same integration, the same credentials and the same response format, whichever provider fulfils the request.

See what each one covers
  • 01

    Pay-In

    Accept and process incoming payments through integrated providers.

    • Payment collection
    • Transaction status
    • Webhooks
    • Ledger entries
    Pay-In
  • 02

    Pay-Out

    Initiate outbound payouts through integrated banking and payment providers.

    • Payout initiation
    • Beneficiary handling
    • Payout status and webhooks
    • Balance and settlement tracking
    Pay-Out
  • 03

    Verification

    PAN and supported verification checks through integrated provider APIs.

    • PAN verification
    • Verification API access
    • Verification records
    • Additional verification checks
    Verification
  • 04

    API Infrastructure

    One integration, and the orchestration layer that sits behind it.

    • Unified REST API
    • API authentication
    • Multi-provider orchestration
    • Reconciliation and reporting
    API Infrastructure

How Payaura works

Integrate once. Reach many providers.

Businesses integrate once with Payaura. Payaura provides a unified technology layer for connecting supported payment and verification services through integrated providers.

See the architecture
Your applicationFulfilment
  1. 01

    Business / Merchant

    Your application

  2. 02

    Payaura API

    One integration

  3. 03

    Payaura Core

    Transaction engine and ledger

  4. 04

    Orchestration & Routing

    Provider abstraction

  5. 05

    Integrated Providers

    Supported partners

  6. 06

    Payment & Verification Services

    The capability delivered

Payaura is a technology and orchestration layer. Payment and verification services are delivered through integrated providers operating under their own authorisations — Payaura does not itself hold funds as a bank or act as a licensed financial institution.

Developers

Build with Payaura

Integrate payment and verification capabilities into your own applications through Payaura's developer-focused API infrastructure.

Docs coming soonSee the API capabilities

  • REST APIs

    A conventional REST interface over HTTPS, so integration works with the HTTP client you already use.

  • API authentication

    Key-based authentication, with credentials issued, rotated and revoked from your dashboard.

  • Pay-In

    Collect payments through integrated payment service providers.

  • Pay-Out

    Initiate outbound payouts through integrated banking and payment providers.

  • Verification

    Run supported verification checks, including PAN, through the same interface.

  • Transaction status

    Query any transaction and get a consistent status, whichever provider handled it.

  • Webhooks

    Server-to-server notifications on lifecycle events, so your system reacts instead of polling.

  • Standardised responses

    One response and error model across every capability — provider differences are normalised before they reach you.

The Payaura platform

One platform. Complete payment operations.

Payaura is more than an API. Businesses and merchants get a platform for the operational side of payments — the part that decides whether month-end is an afternoon or a week.

Every capability you integrate writes to the same transaction record and the same double-entry ledger, so balances, settlements and reconciliation are views over one source rather than exports you stitch together.

Explore the platform
Platform modulesIn development

  • Transactions

    Every pay-in, pay-out and verification request, searchable with its current status.

  • Balances

    What is available, what is on hold and what is in flight.

  • Ledger

    A double-entry record behind every balance, so the numbers can be traced rather than trusted.

  • Settlements

    Settlement tracking across the transactions your account has processed.

  • Reconciliation

    Provider records against platform records, so breaks surface instead of accumulating.

  • Reports

    Operational and financial reporting across the capabilities you use.

  • API credentials

    Issue, rotate and revoke API keys, with environment separation between test and live.

  • Webhooks

    Configure endpoints, inspect deliveries and retry what failed.

For businesses & merchants

Payment capability, inside your own product.

Most businesses do not want to become payments companies. They want money to move correctly inside a product they already run — and they want to stop maintaining an integration per provider to make that happen.

Businesses & Merchants

Integrate once.
Ship sooner.

Talk to us about integrating

  • One integration

    Pay-in, pay-out and verification behind a single API, with one set of credentials.

  • Provider changes absorbed

    The orchestration layer handles which provider fulfils a request, so a provider change is not a release on your side.

  • Records that reconcile

    A double-entry ledger behind every balance, so settlement questions have an answer rather than an estimate.

  • Operational visibility

    Transactions, balances, settlements and reconciliation in one platform instead of several provider portals.

  • Standardised responses

    One response and error model across capabilities, so your error handling is written once.

  • Environment separation

    Separate test and live credentials, so integration work never touches real money.

Why Payaura

Why businesses integrate once

Five decisions Payaura is designed around — each chosen because it moves integration and maintenance work off the business's side of the boundary.

  • 01

    One API

    Integrate once instead of once per provider.

    Every provider has its own request format, its own status vocabulary and its own failure modes. Payaura absorbs that so your application talks to one interface, and keeps talking to it as the providers behind it change.

  • 02

    Multi-provider architecture

    Designed to support multiple payment and verification providers.

    The platform is built around the assumption that there will be more than one provider, and that the set will change. Routing is a layer, not a hard-coded branch.

  • 03

    Unified operations

    Transactions, settlements, reconciliation and reporting in one platform.

    The integration is only half the work. The other half is knowing what happened, what settled and what did not — which is why the ledger, settlement tracking and reconciliation are part of the product rather than an export you assemble yourself.

  • 04

    Developer-first

    Built to be integrated, not just demonstrated.

    Standardised responses, a consistent error model, webhooks instead of polling, and separate test and live environments — the things that decide whether an integration takes a week or a quarter.

  • 05

    B2B focus

    Built specifically for business and merchant use cases.

    Payaura serves businesses that need payment and verification capability inside their own products. There is no consumer application, and the platform is not designed around one.

The V1 shape

Four capabilities. One platform.

Pay-in, pay-out and verification, plus the orchestration layer that routes them — combined into a single platform a business integrates once.

The scope is deliberately narrow. V1 covers the capabilities most businesses actually need first, built properly — a unified API, a transaction engine with a double-entry ledger, and the operational tooling to reconcile what moved. Further capabilities follow as provider integrations are completed.

  • Pay-In
  • Pay-Out
  • Verification
  • Orchestration
equals

One Business Payment Platform

Bring payments into your own product.

Payaura is opening conversations with businesses, platforms, integration partners and service providers. Tell us what you need to collect, pay out or verify, and we will come back to you.

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