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Pay-Ins, Payouts & Bill Payments

How It All Works

Few simple steps to manage Pay-Ins, Payouts & Utility Bill Payments — all through one platform.

1
Create an Account

Step 1 — Create an Account

  • Sign up as a business or individual user in just a few clicks
  • Access payments, payouts, and bill-payment services from one dashboard
  • Verify your identity with quick KYC for enhanced features
  • Or continue as a guest for basic transactions
2
Choose Your Service

Step 2 — Choose Your Service

  • Accept customer payments via UPI, Cards, or Netbanking (Pay-In)
  • Disburse payouts to vendors, employees, or partners instantly
  • Pay utility bills — electricity, water, gas, broadband & telecom
  • Set up recurring payments or AutoPay for hassle-free billing
3
Enter Details & Review

Step 3 — Enter Details & Review

  • Add payment amounts, invoice details, or bill/biller information
  • Upload bulk payout recipient lists via CSV or API integration
  • Auto-fetch bill amounts and due dates from 500+ providers
  • Review all details carefully before confirming the transaction
4
Complete the Transaction

Step 4 — Complete the Transaction

  • Process payments instantly via UPI, IMPS, NEFT, or bank transfer
  • Get real-time status updates and instant notifications
  • Receive digital receipts via SMS, email, or webhook callbacks
  • Track all transactions from your unified dashboard

Ready to Get Started?

Frequently Asked Questions
CloseXpay is a unified payment platform that offers three core services: Pay-In (accept payments via UPI, Cards, Netbanking, Payment Links), Payouts (instant disbursements via UPI, IMPS, NEFT, RTGS), and Utility Bill Payments (BBPS-powered bill payments for electricity, water, gas, telecom, and more). We provide APIs, SDKs, and a dashboard for businesses of all sizes.
Integration is simple: Sign up for a business account, complete KYC verification, and access our developer documentation. We offer REST APIs, hosted checkout pages, and SDKs for popular platforms. Most businesses go live within 24-48 hours. Our technical team provides integration support throughout the process.
We support all major payment methods in India: UPI (Collect, QR, Intent), Credit & Debit Cards (Visa, Mastercard, RuPay), Netbanking (100+ banks), Wallets, and Payment Links. You can also generate static or dynamic QR codes for offline payments.
Payout speed depends on the mode: UPI payouts are instant (24/7), IMPS transfers are real-time, NEFT settles within 2 hours during banking hours, and RTGS is same-day for large amounts. Bulk payouts via CSV or API are processed within minutes.
Standard settlement is T+1 (next business day). Eligible merchants can opt for T+0 (same-day) settlement. Settlements are automatically transferred to your registered bank account. You can track all settlements in real-time via the dashboard.
We support 500+ billers across India through BBPS integration, including: Electricity (BESCOM, MSEB, Tata Power, Adani), Water (municipal corporations), Gas (Indane, HP Gas, IGL), Telecom (Jio, Airtel, Vi, BSNL), DTH (Tata Play, Dish TV), and Broadband providers.
Our pricing is transparent with no hidden fees. Pay-In fees vary by payment method (UPI is typically lowest). Payout fees depend on the transfer mode and volume. Utility bill payments have minimal convenience fees shown upfront. Contact sales for volume-based pricing.
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Simplifying payments and financial management for businesses and individuals.

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