Airpay
Airpay is a digital payment gateway and fintech platform primarily operating in India. It helps businesses accept and manage payments across online and offline channels, offering tools for recurring billing, analytics, and integration via APIs and SDKs.
Merchants can manage transactions from web, mobile, and point-of-sale systems through one unified dashboard. The platform also provides merchant onboarding, technical support, and reporting tools to simplify reconciliation and improve cash flow visibility.
Users generally appreciate its ease of use, quick setup, and variety of payment options. Some, however, mention delays in settlements and less transparent pricing for higher volumes. Overall, Airpay positions itself as a flexible and scalable payment solution for small and medium enterprises looking to streamline payment operations.
| Characteristic | Details |
|---|---|
| Regions | India |
| Getting started | Merchant registration, KYC, API setup |
| Setup Fee | None or minimal |
| Annual fee | Not disclosed |
| Commission per transaction | Around 2 % (varies by method) |
| Payment methods accepted | Credit/Debit cards, UPI, Net Banking, Wallets |
| Fraud & Risk management | PCI DSS compliance, tokenization, fraud monitoring |
| Accepted Currencies | INR |
| Set up type | Cloud / API-based / SaaS |
| Onboarding & Approvals time | Few business days |
| Recurring Billing | Supported |
| SDK Stacks | REST APIs, SDKs for web and mobile |
| Settlement time | 2–3 business days |
| Payouts support | Standard bank payouts |
| Split payments | Supported through payout APIs |
| RegionsIndia | |
| Getting startedMerchant registration, KYC, API setup | |
| Setup FeeNone or minimal | |
| Annual feeNot disclosed | |
| Commission per transactionAround 2 % (varies by method) | |
| Payment methods acceptedCredit/Debit cards, UPI, Net Banking, Wallets | |
| Fraud & Risk managementPCI DSS compliance, tokenization, fraud monitoring | |
| Accepted CurrenciesINR | |
| Set up typeCloud / API-based / SaaS | |
| Onboarding & Approvals timeFew business days | |
| Recurring BillingSupported | |
| SDK StacksREST APIs, SDKs for web and mobile | |
| Settlement time2–3 business days | |
| Payouts supportStandard bank payouts | |
| Split paymentsSupported through payout APIs |
Pros
- Wide range of payment methods
- Unified dashboard across channels
- Recurring billing and developer SDKs
- PCI DSS compliance and fraud control
- Quick merchant onboarding
Cons
- Settlement delays reported by some users
- Limited fee transparency
- India-focused platform
- Pricing can be high for large volumes
- Occasional security concerns
Benefits of Airpay Payment Services
Airpay provides merchants with a complete payment solution that connects online and offline payment channels into one platform. Businesses can manage card, UPI, and wallet transactions from a single dashboard while receiving reports for reconciliation and performance tracking.
It offers convenience through recurring billing and flexible APIs, allowing easy integration for developers and faster go-live for merchants. Businesses that want a ready-to-use infrastructure without heavy technical investment benefit most from Airpay’s modular design and responsive support.
How to Use Airpay Payment Gateway
To start using Airpay, a merchant registers on the platform, completes KYC verification, and sets up payment preferences. Integration is done through available APIs, SDKs, or hosted checkout pages. After setup, transactions can be processed via website, app, or POS device, and settlements are transferred directly to the business account.
The merchant dashboard displays real-time transaction data, enabling better monitoring of revenue, failed transactions, and refunds. For recurring payments, the system automates billing cycles, reducing manual effort and payment friction.
Airpay Payment User Reviews and Ratings
Overall, Airpay receives favorable feedback for simplicity, flexibility, and variety of payment methods. Users value its ability to handle multiple payment types under one account and its straightforward integration for developers.
Criticism typically revolves around occasional settlement delays, limited transparency in pricing, and a few reliability concerns with the mobile POS application. Despite these drawbacks, Airpay remains a practical solution for Indian merchants who prioritize convenience and wide payment coverage.
Airpay Payment Safety and Security Insight
In 2025, Airpay reportedly faced a security incident involving unauthorized access to KYC and banking data. Following the event, the company enhanced security with stronger authentication systems, stricter credential management, and improved intrusion detection.
Airpay complies with PCI DSS standards and applies encryption and tokenization to protect transaction data. It also uses risk scoring and fraud monitoring systems to flag suspicious activity. While the incident raised concerns, current measures indicate a reinforced approach to user data protection.
Airpay Payment Account Fees and Rates
Airpay does not publicly disclose fixed account or setup fees. The main cost structure is based on transaction commissions, which vary depending on payment type and business category. High-volume merchants may receive customized rates through negotiation.
The absence of large upfront or annual fees makes Airpay suitable for businesses looking for flexibility and scalable costs aligned with transaction performance.
Airpay Payment for Business
Airpay targets small and medium-sized businesses, startups, and online platforms that require fast payment acceptance and minimal integration complexity. It suits industries like retail, e-commerce, logistics, and services, where transaction efficiency and customer trust are critical.
Its reporting tools help businesses monitor revenue and reduce reconciliation errors, while built-in compliance tools simplify regulatory requirements for merchants.
Which Type of Business Benefits Most from Airpay Payment
The platform fits digital-first companies, subscription-based services, education providers, and online marketplaces. It’s also effective for merchants that combine online and offline sales channels, thanks to unified reporting and settlement.
Airpay’s flexibility allows both individual entrepreneurs and established companies to integrate payments into their platforms without heavy infrastructure investment.
Airpay Payment Solution for Physical Clients
Airpay supports physical stores through its POS and mobile app, enabling in-person payments via cards and UPI. This setup is ideal for retail outlets, restaurants, and service points where customers prefer contactless or mobile transactions.
While functionality is generally stable, some merchants report occasional issues with setup after app updates. Despite this, the POS ecosystem remains a valuable feature for businesses blending digital and physical operations.
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FAQ
What are Airpay’s fees?
Airpay typically charges a transaction commission of around 2 %, depending on payment type. Fixed or annual fees are minimal and usually tailored based on business size and transaction volume.
How long does settlement take?
Settlement time averages 2–3 business days, depending on transaction type and bank processing speed. Some merchants report minor delays during high-volume periods or banking holidays.
Is Airpay safe?
Airpay follows PCI DSS standards and applies encryption, tokenization, and real-time fraud monitoring. After past security concerns, it has reinforced authentication and network monitoring measures to prevent data leaks.
What businesses benefit most from Airpay?
It suits small and medium businesses in e-commerce, retail, and services that need quick, flexible payment integration. Its range of APIs and SDKs make it suitable for both online platforms and physical stores.
Does Airpay support POS or in-person payments?
Yes, Airpay provides POS and mobile app solutions that allow physical stores to accept card and UPI payments. Merchants can connect terminals or mobile devices to process transactions directly.
