Introduction

ZWITCH is a modern embedded finance platform designed to help you integrate comprehensive banking, payment, and verification services directly into your application with ease.

Core Functionality

• Virtual Accounts
  Create virtual account wallets and collection tools to manage funds efficiently within your platform, enabling both transfers and collections.

• Payments
  Facilitate money receipt via UPI using both UPI Intent and UPI Collect APIs.
  Additionally, access the Layer.js payment gateway, along with mobile SDKs (Android, iOS, Flutter), enabling seamless web and in-app payment experiences.

• Beneficiaries & Transfers
  Manage beneficiary accounts with APIs for creating, updating, listing, and deleting. Use the Transfers APIs to initiate fund transfers via NEFT, IMPS, or RTGS. Support includes both single and bulk.

• Verification Suite
  Access identity and compliance services including PAN verification, Aadhaar (OTP-based), name matching, bank account validation (standard and pennyless techniques), and VPA (UPI ID) verification

• Bharath Connect Module
  Specifically tailored for business use cases:

  • Onboarding Flow

    • Check business eligibility
    • Register businesses
    • Fetch business-related data

  • Invoice Handling

    • Send invoice requests
    • Review or confirm invoices
    • Edit invoice statuses
    • Manage confirmations

  • Offline & Online Payments

    • Handle payment requests
    • Confirm payments whether inside or outside the ZWITCH system

• Webhooks & Real-Time Updates
  Stay updated with real-time events via webhook notifications. Set up, test, and manage webhook endpoints tailored to various modes and event types, with features like event retries and signature verification.

• API Fundamentals
  ZWITCH APIs are RESTful, utilize JSON for requests and responses, and rely on standard HTTP status codes (2XX for success; non-2XX for errors).