Application Programming Interfaces (APIs) let your software talk to ours. With our APIs, you can add bill payments, banking services, AEPS and verification to your own mobile app, website or retail portal, without building the underlying connections yourself. This guide explains what our APIs cover, how integration works and how to get started. Uttra Vistara gives you sandbox access and a dedicated team to help you go live.
What are our APIs?
Instead of dealing with many banks and service providers separately, you connect once to our platform and use a consistent set of endpoints. Requests and responses use standard JSON, errors follow clear codes and every call is authenticated with your keys.
This is useful for fintech apps, retail networks, distributors who want to power their own portal and businesses that want to offer financial services inside their products. You test everything in a sandbox first and move to live only when you are ready.
Key highlights
- Standard REST endpoints with JSON requests and responses
- Sandbox environment for safe testing
- API keys, signed requests and IP whitelisting
- Webhooks for real-time status updates
- Clear error codes and logs for easy debugging
- Dedicated integration support from our team
What it covers
An API can support many needs. Here are the situations where it helps most.
Bill Payments
Fetch bills and accept payments for utilities and other billers.
Banking Services
Offer account and money-related services inside your product.
AEPS
Power AEPS transactions for your own retailer network.
Verification
Verify identity details such as PAN as part of your onboarding.
Webhooks
Receive transaction updates on your server in real time.
Reports
Pull transaction and status reports for reconciliation.
Why choose it
Here is what makes this service valuable for customers, retailers and businesses.
Key benefits at a glance
Faster to market
Skip months of building and certifying separate integrations.
One integration
Many services through a single, consistent set of APIs.
Safe to test
The sandbox lets you try every flow before going live.
Secure by design
Keys, signed requests and IP whitelisting protect every call.
Real-time updates
Webhooks keep your system in sync with transaction status.
Real human support
Engineers and support staff who help you integrate.
API categories in detail
A closer look at the main services, with a simple example of how each one works.
Bill Payment APIs
Endpoints to fetch bill details from billers and complete the payment, with status tracking.
How it works in real life
- Your app sends the biller and customer details to the fetch endpoint.
- We return the bill details so your user can confirm.
- You call the payment endpoint and receive the final status.
- Fetch, pay and track
- Standard JSON responses
- Status via API or webhook
Best for: Apps and portals offering utility payments.
Banking & AEPS APIs
Endpoints for banking-related services, including AEPS flows for your own retailer network.
How it works in real life
- Your retailer app collects the required details.
- Your server calls our endpoint with the request.
- We return the bank response and send a webhook on completion.
- AEPS flows supported
- Retailer-network ready
- Reliable response handling
Best for: Businesses running retail or distributor networks.
Verification APIs
Endpoints to verify details such as PAN during customer onboarding.
How it works in real life
- Your onboarding form collects the detail.
- Your server calls the verify endpoint.
- You receive a clear match result for your workflow.
- Quick checks
- Simple yes or no results
- Use inside onboarding
Best for: Products that onboard customers or retailers.
Webhooks & Reports
Real-time notifications and reports to keep your records accurate and reconciled.
How it works in real life
- You register your webhook URL.
- We send a signed event when a status changes.
- Your system updates records and you reconcile with reports.
- Real-time events
- Signed for authenticity
- Reports for reconciliation
Best for: Teams that need accurate, up-to-date records.
Availability and features depend on the participating banks and the plan you choose. Our team confirms everything before you start.
Who can use it and documents required
See who can use this service and keep the listed documents ready to get started without delay.
Who needs it
- Fintech and appsProducts that want to add financial services
- Retail networksDistributors and aggregators with retailers
- PortalsWebsites offering payments and services
- Technical readinessA developer or team able to integrate REST APIs
- ComplianceAgreement to our security and usage terms
Documents required
- Business registration documents
- PAN of the business
- KYC of directors or owners
- Business address proof
- Bank account details
- Technical contact and server IP details
Who needs it
- Server-side callsRequests are made from your backend, never from public client code
- IP whitelistingStatic server IPs registered with us
- HTTPSSecure endpoints for webhooks
- Key safetyAPI keys stored securely and rotated when needed
- LoggingRequest and response logging for support
Documents required
- List of services required
- Server IP addresses to whitelist
- Webhook URL
- Technical contact details
- Expected usage pattern, in general terms
The exact list depends on your profile and plan. Our team shares a precise checklist and helps you complete it online.
How to get started
Getting from first enquiry to live traffic follows five clear steps.
- 1
Request access
Tell us which services you need and complete onboarding.
- 2
Get sandbox keys
Receive credentials and documentation to start testing safely.
- 3
Integrate and test
Build against the sandbox with help from our team.
- 4
Review and approval
We review your integration and complete the go-live checks.
- 5
Go live
Switch to live keys and start serving real transactions with ongoing support.
Integration best practices
A few points that help the service run smoothly every day.
Protect your keys
Keep API keys on your server and never expose them in client code.
Handle retries
Use unique request IDs so retries never create duplicates.
Verify webhooks
Check the signature of every webhook before trusting it.
Log everything
Keep request and response logs to resolve queries quickly.
Practical tips
- Test every flow in the sandbox, including failures.
- Use a unique request ID for every call.
- Verify webhook signatures before updating records.
- Rotate API keys regularly and restrict access.
- Reconcile with reports daily to catch mismatches early.
Live code demo
Pick an endpoint and a language to watch the request type itself, then run it to see the response. This is a demo with sample data, not a live call.
Good to know
- Available services, limits and charges are shared in writing as part of your agreement.
- Live access is granted after sandbox testing and review.
- You are responsible for securing your keys and your own systems.
- The code samples here are illustrative. Real endpoints and fields come from your documentation.
Frequently asked questions
Who can use the APIs?
Businesses, fintech products and retail networks that complete onboarding and agree to our terms.
Is there a sandbox?
Yes. You test every flow in the sandbox before moving to live.
How is authentication done?
With API keys and, where required, signed requests and IP whitelisting.
What format do the APIs use?
REST endpoints with JSON requests and responses.
How do I get transaction updates?
Through webhooks to your server, along with reports for reconciliation.
Which languages are supported?
Any language that can make HTTPS requests. We share examples in cURL, Node.js and Python.
Do you help during integration?
Yes. A dedicated team supports you from sandbox testing to go-live.
Why choose Uttra Vistara for API?
Good APIs save you months. Uttra Vistara gives you consistent endpoints, a safe sandbox and real people who help you integrate.
We keep documentation clear, errors meaningful and support responsive, so your team keeps moving.
You get one point of contact from first call to go-live and beyond.