API and Systems Integration
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Payment, wallet and UPI integration for your app or website
Taking and sending money online needs software that handles every awkward case: failed payments, repeated callbacks, refunds and mismatched totals. We build that software around a licensed payment provider.
What it is
Payments, Wallets and UPI Integration: what you get
Payment integration connects your app or website to the payment services your customers use: gateways and aggregators for cards and net banking, UPI, wallets, and payouts to suppliers, partners or members. The visible part is a checkout. The larger part is behind it: webhooks that confirm what happened, refunds, retries, receipts, and reconciliation that matches your records to the provider settlements.
One point matters above the others. IT-Labs builds the software. We never hold or move client funds. The licensed payment provider you choose does that, under its own licence and rules. We integrate with the provider, keep your business logic correct and make sure the money trail in your system can be audited. Provider choice, contracts and any regulatory questions are for you and your own adviser.
We have built payment-related systems ourselves, so we know where they go wrong: a callback that arrives twice, a payment that succeeds after the customer closes the page, a balance that drifts. We design for those cases from the start.
Problems we solve
Typical problems this solves
Checkout that loses orders
A payment succeeds but the order is not marked paid, or the reverse. Reliable webhook handling keeps both sides in step.
Manual reconciliation
Staff match bank statements to orders by hand. We build reports and matching that show what is settled, pending or different.
Refunds and failures handled by e-mail
Refund requests, partial refunds and failed payments need a process in the system, with a record of each step.
Paying out many people
Members, partners or vendors need to be paid on a schedule. We build the beneficiary records, approval steps and payout runs with the provider.
No wallet or balance feature
Apps that need stored balances, transfers between users and a ledger can have a wallet with an API.
Deliverables
What we deliver
- Integration with the licensed gateway, aggregator or UPI provider you choose
- Checkout, payment status pages and receipts in your app or website
- Webhook handling that copes with repeated, late and out-of-order callbacks
- Refunds, payouts and beneficiary management with approval steps
- Reconciliation reports and an auditable record of every transaction
- Test-mode rehearsal with the provider before going live, and documentation
Technologies we use
- Payment gateways and aggregators
- UPI
- Wallets and ledgers
- Payouts and beneficiary transfers
- Webhooks
- Reconciliation
- REST APIs
- PHP
- Python
- Node.js
- MySQL / MariaDB
- Sandbox and test modes
We work in any language. See all technologies.
Built and running
Work we have built and run
Examples from our own work, described without client names.
- A peer-to-peer e-wallet for corporate and business applications, with an API.
- A membership and payout platform with registration, beneficiary transfers, payouts and a shopping cart.
Engagement
How the engagement works
It starts with a free consultation. You describe what you want to charge for, who gets paid, and which provider you use or are considering. We tell you what is involved and follow with a written estimate. If you have not chosen a provider, we explain the practical differences, but the choice and the contract are yours.
We build against the provider sandbox, test the awkward cases and go live in a controlled way. Throughout, the provider holds the funds and you keep the provider relationship. We can keep maintaining the integration when provider APIs change.
Questions
Common questions
Do you hold or transfer our customers' money?
No. We build the software. The licensed payment provider holds and moves the money. IT-Labs never holds or moves client funds.
Which payment provider should we use?
We can integrate the licensed providers that offer a developer API. The right one depends on your business, your customers and your adviser's view, so we help you compare but you decide.
Can you add UPI to our website?
Yes, through a licensed provider that offers UPI collection. We build the integration, the status handling and the reconciliation.
Can you build a wallet feature?
Yes. We have built a peer-to-peer e-wallet with an API for business applications, and can design a similar ledger for your needs.
Are you responsible for regulatory approvals?
No. Licences and approvals belong to the provider and to your business. We design with the relevant rules in mind, and your own legal or compliance adviser has the final word.
How do you charge?
We do not publish prices. After a free consultation we give you a written estimate, so you know the scope before you commit.
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Tell us what you need built
Describe the problem, the system or the idea. We offer a free initial consultation and a written estimate, and you will talk directly to the developer who would build it.