Planned Indian Payment Rails & Gateway Architecture
An architectural overview of how Near2Pay is engineered to integrate leading Indian payment aggregators, NPCI UPI rails, and banking nodal networks for educational institutions.
Architectural Roadmap Note:
This informational page outlines the planned payment integration framework. Live payment APIs, SDKs, and banking webhooks will be connected during our upcoming production release in partnership with licensed RBI Payment Aggregators.
Designed for 100% Indian Family Convenience
Support the exact payment modes Indian parents use every day with transparent transaction charges.
Unified Payments Interface (UPI)
Instant mobile intent checkout and dynamic QR code generation supporting Google Pay, PhonePe, Paytm, BHIM, and bank UPI apps.
- Zero surcharge options
- Sub-3 second settlement confirmation
RuPay & Domestic Debit Cards
Broad acceptance across all Indian bank debit cards with RBI Two-Factor Authentication (OTP verification) via secure bank gateways.
- RuPay debit card priority
- Encrypted card tokenization
Net Banking (50+ Banks)
Direct corporate and retail banking connectivity with State Bank of India, HDFC Bank, ICICI Bank, Axis Bank, and regional cooperative banks.
- High ticket transaction support
- Direct server-to-server callbacks
BBPS Bharat BillPay Ready
Future alignment with NPCI's Bharat Bill Payment System, enabling parents to discover and settle school dues directly from any consumer banking app.
- National fetch & pay standard
- Centralized dispute management
How Educational Funds Move Directly to Campus Accounts
Ensuring clear separation of funds, automated nodal escrow compliance, and rapid T+1 settlement cycles.
Parent Authorizes Payment
Parent scans UPI QR or approves card transaction through verified two-factor authentication.
Escrow Nodal Processing
Funds are routed via an RBI-regulated nodal bank account with automated transaction UTR tagging.
Direct Campus Credit (T+1)
Net funds credit to the school or college bank account with zero manual intervention.