Instant Payment Gateway with Instant Settlement to Your Virtual Account
For industries where every second counts, A-Pay delivers unmatched speed and reliability. This instant payment gateway ensures real-time transactions, instant access to funds, and uninterrupted cash flow — whether you operate in e-commerce, fintech, services, or elevated risk sectors.
Key payment challenges for businesses
Slow bank transfers
Standard T+2 settlement cycles and bank holidays create working capital stress and delay fund access by up to 5 business days.
Limited working hours
Manual settlement processing often stops during weekends and holidays, forcing SMEs to rely on external credit to cover operational gaps.
Frozen funds
Delayed settlements hinder cash flow for restocking and paying suppliers, causing businesses to miss out on strategic growth opportunities.
A-Pay — instant settlement and real-time payment gateway for businesses
Why merchants choose A-Pay for fast instant payment settlement
Features that power your business
- Instant settlement engine (UPI focus)
Settle funds in seconds after successful UPI payments and track real-time credits with automated bank-to-bank reconciliation.
- Local and global methods (UPI & Cards)
Accept all major UPI apps (PhonePe, Google Pay, Paytm) alongside international card networks through a single, unified integration.
- E-mandate & Recurring support
Automate subscriptions using the RBI-compliant e-mandate framework and UPI AutoPay, which currently powers 53% of all recurring transactions in India.
- Split settlements
Ideal for marketplaces and aggregators to automatically distribute a single customer payment into multiple vendor accounts with real-time commission calculation.
- Net banking & Virtual accounts
Direct integration with 50+ Indian banks featuring dedicated virtual accounts for each merchant to ensure instant verification via open banking APIs.
- Developer-friendly APIs
Fast integration with clear documentation and 24/7 support
Comparing A-Pay to standard gateways
Use cases across key industries
Security-first payment gateway with fast settlement
Online payment system in India with full local coverage
How to integrate with A-Pay
- 1Apply & Connect
submit form and get a callback
- 2Choose Methods
select UPI, PhonePe, cards, or more
- 3Set Up Store
configure your website or platform
- 4Start & Track
accept payments and monitor analytics
Difficulty in Accepting Payments? High Fees, Confusing Integrations, Country Restrictions?
Frequently Asked Questions
Instant payment gateways process the transactions immediately, and the customer gets confirmation of the transaction and the availability of funds within a few seconds or minutes. It provides a smooth user experience in e-commerce especially for international and ecommerce payment gateway use cases. These services usually offer APIs, SDKs, and no code tools for integration. A-Pay is a real-time gateway with same day settlements and worldwide coverage.
Speed depends upon the transaction type, but gateways such as A-Pay provide some of the quickest settlement times, especially for crypto and internal account flows. While classic banks may take 1-3 days, white label payment gateways with an in-built clearing can decrease this time to minutes. A-Pay processes fiat and crypto within the same day, typically immediately within its own system.
A-Pay is a real-time payment gateway that combines fiat and cryptocurrency options for global businesses. It provides no code integration, live analytics and same day settlement. A-Pay is compatible with ecommerce, B2B, and other verticals through its own in-house infrastructure. It also provides large enterprises with a white label setup.
Instant payment gateways include UPI (in India), SEPA Instant (EU), Faster Payments (UK) and the majority of crypto payments such as USDT or ETH. These options enable instantaneous fund transfers and confirmations. Services like A-Pay combine all these systems into one forming an international payment gateway system.
To make an instant payment, use services supporting instant methods like UPI, crypto, and internal wallet-to-wallet transactions. Platforms like A-Pay allow users to make and receive payments within seconds, with transparent fees and tracking. This is great for B2B transfers, internet commerce, or platform payouts.
For real-time transfers, use instant payment gateways like A-Pay or methods such as UPI or stablecoins. You will need the recipient’s wallet or account information, and the payment will be confirmed in seconds. It’s an excellent solution for freelancers, affiliate payments, and any other international transfers.