BharatPe Integration and Open Finance Integration Services

Merchant acquiring · UPI omnichannel access · BharatSwipe card payments · Account earnings and credit integration (Starting at $300)

Starting from $300
OpenData · OpenFinance · Protocol Analysis · Merchant Payment Integration

Safely connect BharatPe's acquiring, balance, and lending capabilities to your business

We provide end-to-end integration based on protocol analysis and public/licensed interfaces: from QR payments and BharatSwipe card acceptance to merchant balance earnings, interest calculation, and loan application workflows, with compliance and production-grade source code delivery.

Unified acquiring interface — Use a single API to synchronize transactions from all UPI apps (Google Pay, PhonePe, Paytm, etc.) and BharatSwipe card payments, supporting real-time callbacks and batch reconciliation.
Merchant balance and interest — Integrates daily interest accrual logic (up to 12% annual), supports balance inquiry, withdrawals, and earnings transaction exports (Excel / CSV / JSON).
Credit / lending workflow — Connect NBFC lending partners for loan issuance and repayment notifications, providing loan application, underwriting signals, and EDI (Easy Daily Installments) repayment flow synchronization.
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Feature Modules and Deliverables

What We Deliver

  • Protocol analysis reports (UPI, QR, Card Swipe, NBFC lending flow)
  • API design documentation (OpenAPI / Swagger) and test cases
  • Runnable source code: Webhook service, reconciliation scripts, SDKs (Node/Python/Go)
  • Automated reconciliation and settlement samples (daily, weekly, monthly templates)
  • Compliance guidance (KYC, privacy, data retention, audit considerations)

API Example: Merchant Transactions Query (Pseudo-code)

POST /api/v1/bharatpe/merchant/transactions
Content-Type: application/json
Authorization: Bearer <INTEGRATION_TOKEN>
{
  'merchant_id': 'M123456',
  'from_date': '2025-10-01',
  'to_date': '2025-10-31',
  'status': 'ALL',
  'page': 1,
  'page_size': 200
}

Response: {
  'status': 'OK',
  'transactions': [
    { 'txn_id':'BP20251010XYZ', 'amount': 500.00, 'method':'UPI', 'payer_app':'GPay', 'time':'2025-10-10T08:12:00Z', 'settlement_status':'PENDING' }
  ],
  'pagination': { 'page':1, 'total_pages':3 }
}

Key Integration Scenarios

Unified QR code payments integration, BharatSwipe card swipe callbacks, daily earnings settlement, NBFC lending integration, loan splitting and EDI repayment tracking, and the backend merchant reconciliation portal.

Core Advantages

  • Production-grade security: OAuth / HMAC signatures, webhook signing, retry and idempotency design
  • Compliance-first: KYC, data minimization, alignment with NBFC/bank compliance points
  • Cross-channel reconciliation: centralized transaction sources merge, automatic discrepancy tagging and remediation suggestions
  • Scalable: supports multi-merchant/multi-ledger and enterprise-grade API gateway deployments

Technical Highlights

  • Webhook real-time posting and idempotent processing
  • Batch settlement files (CSV/Excel) and automatic uploads to SFTP / cloud storage
  • Pricing models and revenue sharing configuration
  • Provide Docker deployment, Kubernetes manifests, and CI workflow recommendations

API & Integration Guide (For Developers)

Pre-Integration Preparation

  1. Provide target App package name (e.g., com.bharatpe.app), and whether you have merchant backend credentials or sandbox credentials.
  2. Provide Merchant ID / QR ID / BharatSwipe terminal number (if any) and callback URL.
  3. If loan integration is needed, provide NBFC test API documentation or partner contact details.
  4. Indicate compliance boundaries: whether you already have a KYC process, whether logs need to be retained under Indian legal framework, etc.

Integration Steps (Example)

  1. Protocol analysis (2-4 business days): capture and analyze authorization flows, callback formats, signature methods.
  2. API design (1-3 business days): define unified credit/debit/reconciliation and lending interfaces.
  3. Development & testing (3-10 business days): complete SDK, webhook service, and reconciliation scripts.
  4. Acceptance & deployment (1-3 business days): deliver documentation, OpenAPI, sample data, and deployment scripts.

Webhook Example: Transaction Notification

POST /webhook/bharatpe/tx
Content-Type: application/json
X-BharatPe-Signature: sha256=abcdef...
{
  'merchant_id':'M123456',
  'txn_id':'BP20251010XYZ',
  'amount':500.00,
  'method':'UPI',
  'payer_app':'PhonePe',
  'status':'SUCCESS',
  'settlement_date':'2025-10-12',
  'reference':'REF098765'
}

Receiver must validate X-BharatPe-Signature and apply idempotency on txn_id; if validation fails return 401, otherwise return 200 OK.

About Our Studio

We are a technical studio focused on app protocol analysis and authorized API integration. Our team has extensive mobile and fintech project experience, specializing in exporting capable app features to enterprise systems via compliant, secure interfaces. Services cover protocol analysis, OpenData integration, third-party API authorization, and automated data delivery.

  • Supports Android/iOS protocol analysis and reverse engineering (subject to compliance authorization and customer consent)
  • Delivery formats: OpenAPI, runnable source code (Node/Python/Go), test scripts, and deployment checklists
  • Compliance and privacy-first; NDA can be signed if needed and provide audit logging policy
  • Serving international clients with localization for multiple currencies and tax requirements

Contact Us / Submit Requirements

Please visit our Contact page to submit your target App name and integration requirements. We will respond within 48 hours with a preliminary assessment and quote.

Go to Contact Page

Starting price: $300. We can offer a pay-on-delivery option depending on project size and risk assessment.

📱 BharatPe Official App — Full Features & Description (Original Content, Collapsed)

BharatPe for Business is a merchant-focused payments and financial services app. The following is a summary of the original app description:

  • Single QR code supports payments from Google Pay, PhonePe, Paytm, BHIM, Amazon UPI, and more from 150+ banks/payments apps.
  • BharatSwipe supports debit and credit card swipes; serving payment solutions for over 7 million merchants.
  • Account balances can be invested to earn up to 12% annual yield, with daily earnings credited; withdrawals and transfers supported anytime.
  • Online unsecured small loans, 100% online application; repayments via EDI (Easy Daily Installments), typically 3 to 15 months.
  • Loan amounts range from Rs. 10,000 to Rs. 10,00,000; interest rates and fees shown in-app (APR examples ~21%-30%).
  • NBFC partners include LendenClub, Liquiloans, Trillions, ABFL, Arthmate, etc., with lending and approvals handled by NBFCs.
  • The app requests permissions (location, contacts, etc.) to build a credit profile and provide loan quotes; privacy policy link provided for user reference.
  • Developer/enterprise contact details and headquarters address are listed in the original description.
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