The Payaura platform
One integration, and the orchestration behind it.
Businesses integrate once with Payaura. Payaura provides a unified technology layer for connecting supported payment and verification services through integrated providers.
How Payaura works
From your request to fulfilment
Six layers, and the boundary between them matters. The middle three are Payaura; the providers at the end operate under their own authorisations.
- 01
Business / Merchant
Your application
Your product, platform or internal system — the place a payment or verification actually needs to happen.
- 02
Payaura API
One integration
A single authenticated REST interface for pay-in, pay-out and verification, with one request and response format across all of them.
- 03
Payaura Core
Transaction engine and ledger
Validation, the transaction lifecycle and a double-entry ledger, so every movement has a record that reconciles.
- 04
Orchestration & Routing
Provider abstraction
The layer that decides which integrated provider handles a request, and normalises what comes back.
- 05
Integrated Providers
Supported partners
Payment and verification service providers that Payaura integrates with, each behind the same unified interface.
- 06
Payment & Verification Services
The capability delivered
The pay-in, pay-out or verification outcome your application asked for, returned in a standardised response.
On what Payaura is: Payaura is a technology and orchestration platform. It is not a bank, an NBFC, a payment aggregator or a licensed financial institution, and it does not present itself as one. Payment and verification services are delivered through integrated providers operating under the authorisations they hold.
Orchestration
Multi-provider payment orchestration
Payaura is designed to abstract the complexity of individual provider integrations through a unified orchestration and routing layer.
Payaura API
One request format, one set of credentials.
Orchestration
Provider differences normalised into a single model.
Routing engine
Decides which integrated provider fulfils each request.
Provider A
Integrated provider
Provider B
Integrated provider
Provider C
Integrated provider
Provider slots are illustrative. Specific providers are named only once confirmed for public display.
The Payaura platform
One platform. Complete payment operations.
Payaura is more than an API. Businesses and merchants get a platform for the operational side of payments — the part that decides whether month-end is an afternoon or a week.
Every capability you integrate writes to the same transaction record and the same double-entry ledger, so balances, settlements and reconciliation are views over one source rather than exports you stitch together.
Transactions
Every pay-in, pay-out and verification request, searchable with its current status.
Balances
What is available, what is on hold and what is in flight.
Ledger
A double-entry record behind every balance, so the numbers can be traced rather than trusted.
Settlements
Settlement tracking across the transactions your account has processed.
Reconciliation
Provider records against platform records, so breaks surface instead of accumulating.
Reports
Operational and financial reporting across the capabilities you use.
API credentials
Issue, rotate and revoke API keys, with environment separation between test and live.
Webhooks
Configure endpoints, inspect deliveries and retry what failed.
Security
Security controls built into the platform
Described as controls, not certifications. Payaura publishes no security or regulatory certification, and none is claimed below.
Secure API authentication
Key-based authentication, with credentials issued and revocable from the dashboard.
Role-based access control
Access to platform functions governed by the role a user is granted.
Environment separation
Separate test and live credentials, so integration work never touches real money.
Audit logging
Administrative and account actions recorded for later review.
Transaction logging
Each request and its lifecycle retained as an operational record.
Monitoring and operational controls
Platform monitoring designed to surface failures rather than absorb them.
Payaura makes no absolute security guarantee. No PCI-DSS, ISO 27001, RBI, NPCI or penetration-test certification is claimed or implied. Where a certification is obtained, it will be published with its scope and date.
Want to see how this fits your stack?
Tell us what you need to collect, pay out or verify, and we will walk through how a Payaura integration would work for it.