PayRupik Integration & Open Finance Services (Instant Loans / NBFC)

KYC, loan origination & recovery, accounting integration and compliant APIs for PayRupik and other instant lending platforms. OpenData/OpenFinance based delivery with runnable source code.

Starting at $300
OpenData · OpenFinance · Protocol Analysis · Loan-native APIs

Securely connect PayRupik's lending capabilities to your enterprise systems and accounting flows

We deliver loan origination (LOS), KYC/e-KYC integration, repayment collection and reconciliation APIs based on compliant authorizations and open interfaces, with RBI/NBFC guidance and reporting outputs.

Loan application & approval workflows — supports distributed approvals, credit limit calculations, representative rate and APR calculations, disbursement models (instant/bulk/installment), and automated decisioning scripts.
KYC / e-KYC integration — integrates Aadhaar/OTP/document upload, third-party KYC providers and credit bureau querying/reporting, supports document OCR and facial verification.
Payments & disbursement — supports IMPS/NEFT/UPI outflows, wallet credits, third-party payment gateways and bank settlements, with disbursement receipts and webhook notifications.
Repayment & collections — supports automatic debit (NACH/UPI AutoDebit), manual repayments, delinquency logic, late fee calculation and aging, and exports standardized reconciliation files.
Contact us for integration View deliverables

What we deliver

Deliverables (sample)

  • OpenAPI / Swagger interface specifications
  • Protocol & authorization flow analysis (Token / Session / NACH / UPI)
  • Runnable backend samples (Node.js / Python) with SDK templates
  • Webhook architecture, idempotency design and error handling
  • End-to-end automated tests, demo data and test cases
  • Compliance guidance, privacy policy and data minimization plan

Sample API: Loan application submission (pseudo-code)

POST /api/v1/payrupik/loan/apply
Content-Type: application/json
Authorization: Bearer <CLIENT_API_KEY>

{
  'applicant': {
    'name': 'Ravi Kumar',
    'mobile': '+91-98xxxxxx99',
    'pan': 'ABCDE1234F',
    'income_monthly': 35000
  },
  'loan': {
    'amount': 6000,
    'tenure_days': 120,
    'product_code': 'PR-PERSONAL-120'
  },
  'documents': ['id_proof_url','address_proof_url']
}

Response: {
  'status': 'PENDING',
  'application_id': 'PRAPP-20251001-0001',
  'decision_estimate': 'Instant or 1 hour',
  'apr_calculated': 30.97
}

Key integration scenarios

Core banking and disbursement gateways integration, settlements via UPI/NEFT/IMPS, NACH/UPI auto-debit, credit bureau interactions, collections workflows and compliance reporting (RBI/NBFC).

Compliance & Security

All integrations are performed only with legitimate authorizations or publicly available/licensed APIs. We provide encryption, least privilege access, audit logs and consent records, plus compliance guidance aligned with local regulations (KYC, AML, data sovereignty).

Capabilities

  • Mobile app protocol analysis and authorization flow design (compliant reverse engineering approach)
  • OAuth / Token management, session renewal and key rotation
  • Webhook and event-driven architecture (transaction receipts, status updates)
  • Multi-environment delivery (dev/test/prod) with automated deployment docs

About Us

We are a technical studio focused on App API integration and authorization protocol analysis. Our team comes from payments gateways, banks, and fintech risk domains, delivering compliant, scalable Open Finance / Open Data integration with reusable SDKs and test suites.

  • Supports Android / iOS protocol analysis and backend API refactoring
  • Compliance-first: privacy, data minimization and compliance guidance
  • Deliver runnable source code, OpenAPI docs, and test suites
  • Transparent pricing: from $300, with optional upfront-delivery and pay-on-acceptance

Contact

To start a project, get a quote, or submit target app names and integration requirements, please visit our contact page:

View contact details

📱 PayRupik official App / Product Overview (folded content)

PayRupik is an instant personal lending platform provided by Sayyam Investments Pvt Ltd, RBI-registered NBFC, with millions of users. The product emphasizes rapid approval and minutes-to-disbursement, with loan amounts up to ₹50,000, tenures of 91–365 days, and APR up to 35%.

  • Product scope: instant personal loans (₹1,000–₹50,000), online application and quick disbursal
  • Fees: processing fees ₹80–₹2,000 (dependent on tenure/amount), GST at applicable rate
  • Interest and APR example: For ₹6,000 loan, 25% APR, 120 days, interest ~ ₹493, processing fee ₹100, GST ₹18, total repayment ₹6,611, APR ~ 30.97%
  • Eligibility: Indian citizens, age 18+, stable monthly income; household annual income typically ₹300,000+
  • Application flow: download app → create account → upload KYC (ID, address proof, PAN) → approval and disbursement
  • Support: service email, phone, address example