Freecharge API Integration & Open Finance Solutions

For com.freecharge.android, compliant API integration and runnable source delivery for UPI, top-ups, bill payments, and financial products, in collaboration with Axis Bank

Starting at $300
OpenData · OpenFinance · Protocol Analysis · Compliance Delivery

Securely integrate Freecharge's payments, top-ups and financial services into your platform

We deliver compliant protocol analysis and API integration for Freecharge, including merchant onboarding, installments and BNPL, and source code with documentation, aligned with authorization/public interfaces and regulatory requirements.

BNPL & Installment Integration — Supports same-month interest-free options, 3/6/9/12/18/24 installment schedules, rate models (monthly or annual) and generation of installment plans.
Merchant Settlement & Refunds — Order initiation, risk checks, payment confirmation, installment billing synchronization and batch settlement endpoints.
Personal Loans & Quick Cash — Digital loan application, credit assessment, disbursement notices and repayment plan queries.
Risk & Credit Scoring Integration — Integrates with third-party credit bureaus, device fingerprinting and behavior scoring, producing audit-ready decision reports.

Deliverables (Examples)

Typical Deliverables

  • API specifications (OpenAPI / Swagger) and data dictionary
  • Protocol and authorization flow analysis (session, signing, risk checks)
  • Runnable source code (Node.js / Python / Go) with sample services and SDK
  • Postman collection, automated test scripts and integration test cases
  • Compliance guidance (data minimization, logging retention, KYC guidance)

Example: Freecharge Payments & Reconciliation (pseudo-code)

{
  "POST /api/v1/freecharge/auth/session": {
    "description": "Exchange device token and obtain access token",
    "body": {"device_id":"", "vmn_code":""},
    "response": {"access_token":"xxx","refresh_token":"yyy","expires_in":3600}
  }
}

// Initiate UPI-Lite payment (pseudo-interface)
POST /api/v1/freecharge/payments/upi-lite
Authorization: Bearer 
{
  "amount": 250.00,
  "merchant_id": "M123",
  "payment_ref": "ORDER-20251001-01"
}

Response: {"status":"PENDING","tx_id":"TX1001","callback_url":"/webhook/payment"}

Use Case: Use Case Scenarios

Online merchant checkout (2-click), installment pricing, loan application workflow, credit line management, disbursement callbacks, reconciliation and refunds. Supports simulated interest-free (next month) and monthly interest models.

Core Benefits

  • Rapid rollout of BNPL payments, boosting conversions and order value
  • Customizable interest and installment strategies aligned with local regulations
  • Auditable risk control and decision trails for compliance checks
  • Deliver runnable SDKs and sample code to accelerate integration testing

Compliance & Privacy

All work is performed with customer authorization or via public/open APIs. We provide data minimization guidance, consent templates, and compliance deliverables, with readiness for regulatory alignment.

About Our Studio

We are a technical studio focused on app protocol analysis and authorization API integration. Our team brings years of experience in mobile payments, BNPL, risk management and cloud delivery. We offer end-to-end services: protocol analysis, interface reconstruction, Open Data integration and third-party authorization integration, along with automation scripts and documentation delivery.

  • Supports Android/iOS protocol analysis and OpenAPI-based integration
  • Compliance-driven with NDA support and private deployment options
  • Deliverables include source code (Node.js / Python / Go), OpenAPI docs, and test scripts
  • Transparent pricing: starting at $300, with payment on delivery option

Contact & Get a Quote

To start a project or request a quote, please visit the contact page and submit your target app name and integration needs:

View Contacts / Submit Request

📱 Freecharge Official App Features & Notes (Appendix)
appPackageId: com.freecharge.android
Freecharge: One App for All Your Financial and Payment Needs
Trusted by Millions: Freecharge, powered by Axis Bank, serves over 50 million users across India. Effortlessly manage UPI payments, recharges, and bill payments, while exploring financial offerings such as credit scores, gold loans, and digital FDs—all in one seamless app.

Key Features:

UPI Lite: Experience faster, hassle-free transactions without entering your UPI PIN.
Secure Transactions: Protect your data with 128-bit encryption technology for safe and secure transactions.
UPI Payments: Link multiple bank accounts, manage payments, and access a convenient credit line.
Bill Payments & Recharges: Handle bill payments, mobile recharges, and subscriptions effortlessly in one app.
Gift Cards: Choose from a variety of gift cards redeemable both online and in-store.
Cashback Offers: Unlock exclusive cashback deals on recharges, bill payments, and shopping.
Gold Loan: Get quick and secure gold loans online at competitive rates, powered by Axis Bank.
Mobile Recharge Reminders: Stay on top of your recharges with timely notifications for upcoming due dates.

Effortless UPI Payments:

UPI Lite: Make quick payments up to ₹500 without entering your PIN for a faster, hassle-free experience.
Freecharge UPI ID: Set up your UPI ID to transfer money swiftly and securely.
Rupay Credit Card: Link your Rupay credit card for seamless UPI transactions and added convenience.
Auto Mandate: Automate recurring bill payments to ensure they’re always on time.
Bank Account Management: Manage multiple bank accounts, including Axis, SBI, HDFC, ICICI, and over 130 others, all from one app.

Recharge and Bill Payments:

Mobile Recharges: Quickly recharge for JIO, Airtel, VI, BSNL, and more with top offers and reminders for upcoming recharges.
Bill Payments: Pay electricity bills for providers like Tata Power, BSES, DHBVN, UNBVN, and 70+ others. Manage water, gas, postpaid mobile, and broadband bills effortlessly with exciting cashback offers.
Credit Card Payments: Simplify credit card bill payments, manage multiple cards, avoid late fees, and ensure timely payments in one place.
FASTag Services: Recharge your FASTag to skip toll queues or purchase one directly from the app for hassle-free travel.
Subscription Management: Renew OTT subscriptions like SonyLIV, Z5, and Wynk Music conveniently through the app.

Exciting Cashback and Offers:

Unlock exclusive cashback on bills, shopping, and recharges, making every transaction more rewarding.

Gift Cards for Every Occasion:

Wide Selection: Explore diverse gift cards for birthdays, anniversaries, festivals, and more.
Flexible Redemption: Redeem gift cards online or in-store at leading retailers for added convenience.
Exclusive Cashback: Enjoy great cashback offers on gift card purchases.

Financial Services by Freecharge:

Credit Score Insights: Check your credit score and access detailed reports to make informed financial decisions.
Axis Bank Fixed Deposits: Open a Digital Fixed Deposit in minutes, choose your tenure, and enjoy assured returns to grow your savings.
Gold Loans: Apply online for quick and secure gold loans with competitive rates and fast disbursement to your account.

Contact Us:

Email: [email protected] | [email protected]
Registered Office: 11th Floor, Tower C, DLF Cyber Greens, DLF Cyber City, DLF Phase 3, Gurugram, Haryana 122022, India
Contact Number: 0124 663 4800