Business Money Transfers.
Built for India.
Automate instant payouts to bank accounts and UPI IDs. Plug our robust money transfer APIs into your application and scale your product with secure Indian banking rails.
Powering High-Volume Financial Logistics.
Our platform is crafted for Indian businesses, startups, and enterprises executing frequent payouts. Whether you are settling merchant funds, processing user withdrawals, or paying vendors, Novexapay executes your orders within seconds.
Powerful Infrastructure. Simplified.
Everything you need to configure, monitor, and scale merchant money transfers in India.
Instant Transfers
Direct connections to national rails (IMPS, UPI, NEFT, RTGS) ensure your transfers conclude instantly, 24/7.
Developer APIs
Robust REST APIs with calculated HMAC signature security headers. Integrate payouts directly into your product workflows.
Commission Slabs
Setup tier-based routing and commission engines. Calculate flat fees, percentages, and GST splits transparently.
IP Whitelisting
Restrict API integrations to designated public production IP addresses to block unauthorized requests.
Double-Entry Ledger
Audit-proof accounting log where every payout request generates traceable credit/debit transaction keys.
Webhook Alerts
Get real-time JSON webhooks sent straight to your server endpoints on transaction status changes.
API-First Money Transfer Infrastructure
Calculate HMAC signatures using your Secret Key, specify your API Key & Merchant ID headers, and initiate payouts immediately from your application.
<?php
$apiKey = 'nvx_pk_live_your_key';
$secretKey = 'nvx_sk_live_your_secret';
$merchantId = 'your_merchant_id';
$timestamp = time();
$nonce = bin2hex(random_bytes(16));
$body = json_encode([
'client_reference_id' => 'ref_101',
'amount' => 1500.00,
'bank_name' => 'HDFC Bank',
'bank_account_number' => '5010022334455',
'bank_ifsc' => 'HDFC0001245',
'bank_holder_name' => 'John Doe'
]);
$stringToSign = $timestamp . '.' . $nonce . '.' . $body;
$signature = hash_hmac('sha256', $stringToSign, $secretKey);
?>
const crypto = require('crypto');
const apiKey = 'nvx_pk_live_your_key';
const secretKey = 'nvx_sk_live_your_secret';
const timestamp = Math.floor(Date.now() / 1000).toString();
const nonce = crypto.randomUUID();
const payload = {
client_reference_id: "ref_101",
amount: 1500.00,
bank_name: "HDFC Bank"
};
const signature = crypto.createHmac('sha256', secretKey)
.update(`${timestamp}.${nonce}.${JSON.stringify(payload)}`)
.digest('hex');
import time, uuid, hmac, hashlib, json
api_key = 'nvx_pk_live_your_key'
secret_key = 'nvx_sk_live_your_secret'
timestamp = str(int(time.time()))
nonce = str(uuid.uuid4())
payload = {
"client_reference_id": "ref_101",
"amount": 1500.00,
"bank_name": "HDFC Bank"
}
body_str = json.dumps(payload, separators=(',', ':'))
sig = hmac.new(secret_key.encode(), f"{timestamp}.{nonce}.{body_str}".encode(), hashlib.sha256).hexdigest()
import javax.crypto.Mac;
import javax.crypto.spec.SecretKeySpec;
public class NovexaPay {
public static String calculateHMAC(String data, String key) throws Exception {
SecretKeySpec secretKeySpec = new SecretKeySpec(key.getBytes(), "HmacSHA256");
Mac mac = Mac.getInstance("HmacSHA256");
mac.init(secretKeySpec);
return toHexString(mac.doFinal(data.getBytes()));
}
}
Ready to Build on India's Next Generation Money Transfer Infrastructure?
Create an account, complete your KYC profile, generate signature API credentials, and start routing automated payouts instantly.