2D Payment Gateway in India: Low-Friction Checkout and INR Payouts
Accept online payments in India through fifteen documented INR rails: seven UPI routes, UPI QR, Paytm, PhonePe, IMPS bank transfers, and account-to-account flows. Low-friction 2D card checkout is available where your acquiring setup is approved. Send payouts through the same integration, track status with signed postbacks, test in sandbox, and settle from your balance with no rolling reserves.
What to Check Before You Choose a 2D Gateway in India
Clear onboarding
Complete KYC/AML, get sandbox access, validate postbacks, then go live. Timeline is confirmed during onboarding.
Local India rails
Documented methods: UPI, Paytm, PhonePe, IMPS. Google Pay and UPI AutoPay are not documented as A-Pay products.
Clear settlements
No holds or rolling reserves. Request settlement from your A-Pay balance; schedule confirmed at onboarding.
A-Pay: Your Trusted 2D Payment Gateway Provider in India
Why Choose A-Pay for Business Operations
What Is a 2D Payment Gateway?
2D vs 3D Payment Gateway: Key Differences
Core Capabilities of A-Pay
- Multiple routes per method
UPI has seven routes in the catalogue, PhonePe two, IMPS two. Which routes are enabled for your project is configured at onboarding, so a payment has an alternative rail if the primary one is unavailable.
- API-first integration
API-first integration — Create a deposit, get a payment URL, receive signed postbacks on status changes, request payouts and settlements. Authentication is by apikey header; every request is bound to your project_id.
- Payment status you can trust
Every status change arrives as a signed postback, so your system knows the real outcome of each payment without polling. Signature validation is described in the docs.
- Access and monitoring
Encryption in transit, role-based access in the dashboard, and transaction monitoring. Postbacks are signed with a private key, so a forged status update cannot be accepted as genuine.
- Dashboard and transaction search
Find any payment by your order id or by A-Pay id, see its full status history, and export results to CSV for reconciliation.
- Support around the clock
A multilingual team answers technical and operational questions at any hour, including integration help during your sandbox stage.
How A-Pay Compares to Other Gateways
Who Should Use a 2D Payment Gateway?
Use Cases for Secure 2D Payments
Built for Security from the Ground Up
Methods You Can Offer with A-Pay
How to Integrate A-Pay
- 1Apply & Connect
submit form and get a callback
- 2Choose Methods
select UPI, UPI QR, Paytm, PhonePe or IMPS
- 3Set Up Store
configure your website or platform
- 4Start & Track
accept payments, send payouts, monitor in the dashboard
Difficulty in Accepting Payments? High Fees, Confusing Integrations, Country Restrictions?
Frequently Asked Questions
A 2D payment gateway is a processing system that allows credit or debit card transactions to be completed without an additional security layer, such as a one-time password (OTP) or 3D Secure (3DS) authentication. This streamlined flow provides a faster checkout experience by requiring only the card number, expiry date, and CVV, making it ideal for international markets where speed is prioritized over two-factor authentication.
The Reserve Bank of India requires an Additional Factor of Authentication for domestic transactions made with cards issued in India, which in practice means 3D Secure and an OTP. That requirement applies to Indian-issued cards; transactions on foreign-issued cards fall outside it, which is why low-friction 2D checkout is used for international traffic. Whether a specific setup is permitted depends on your acquirer and your licensing, so confirm it with your provider before launch.
The primary difference lies in the authentication flow and security: a 2D gateway processes payments instantly after the card details are entered, whereas a 3D gateway redirects the user to a secure bank page to enter an OTP. While 2D gateways offer higher conversion rates due to less friction, 3D gateways provide a "liability shift," protecting merchants from fraud-related chargebacks by verifying the cardholder's identity through two-factor authentication.
Use 2D for lower-risk traffic on foreign-issued cards, typically digital services and small-ticket purchases where checkout speed drives conversion. Use 3D Secure for high-value orders, regulated categories, and anything where you need the liability shift. The trade-off is always the same: speed against protection.
2D chargeback liability falls entirely on the merchant. There is no liability shift to the issuer because 3D Secure was not used.
Hybrid 2D/3D logic is a common market practice: low-risk traffic goes through 2D, and transactions that trip a risk rule are sent through 3D Secure. Whether it is available to you depends on the acquiring setup approved for your project, so raise it during onboarding rather than assuming it by default.
A-Pay does not store card credentials and does not provide card tokenisation, so recurring card billing is not part of the documented product. For Indian rupee payments, recurring collection is normally built on UPI: your system initiates a new collect request each cycle and the customer confirms it in their app. Note that for cards issued in India, RBI rules allow only card issuers and card networks to store card data or tokens — this restriction applies to merchants, payment aggregators, payment gateways and acquiring banks alike.