Cashfree Payments India API
Cashfree Payments India REST API for businesses to accept payments, disburse payouts, manage subscriptions, and verify bank accounts with UPI, cards, net banking, and wallets support across India and international transactions. Enables AI agents to manage payment order creation for e-commerce and SaaS billing automation, handle UPI payment and QR code for digital payment automation, access bulk payout and vendor disbursement for payroll and vendor payment automation, retrieve bank account verification for KYC and fraud prevention automation, manage subscription and recurring payment for subscription billing automation, handle split payment and marketplace for platform payment automation, access payment link and button for no-code payment automation, retrieve settlement and reconciliation for financial management automation, manage auto-collect and virtual account for collection automation, and integrate Cashfree with Shopify, WooCommerce, Salesforce, and business systems for end-to-end India payment automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
India payments. PCI-DSS. API key. IN. Payment and payout data.
⚡ Reliability
Best When
An India-based or India-serving business wanting AI agents to automate UPI payment acceptance, bulk vendor disbursements, bank account verification, and subscription billing through Cashfree's developer-friendly India payment platform (Y Combinator backed).
Avoid When
PAYMENT GATEWAY vs PAYMENT LINKS vs AUTO COLLECT: Cashfree offers separate products for different use cases — Payment Gateway (checkout), Payment Links (no-code), Auto Collect (virtual accounts); automated payment workflow must select appropriate Cashfree product; automated single-API assumption for all payment flows creates product mismatch. RBI REGULATORY COMPLIANCE FOR BULK PAYOUTS: India bulk payouts (payroll, vendor payments) require RBI-compliant transaction limits and KYC; automated bulk payout pipeline must implement RBI transaction limits (₹2 lakh per transaction for non-KYC); automated bulk payout without limit enforcement creates RBI compliance failure. BANK VERIFICATION LATENCY FOR AUTOMATED ONBOARDING: Cashfree bank account verification via penny drop or account validation has processing time; automated onboarding pipeline must poll for verification result; automated same-day payout to unverified accounts creates payment failure for invalid bank details.
Use Cases
- • Accepting UPI and card payments from India e-commerce agents
- • Disbursing bulk payouts from vendor payment automation agents
- • Verifying bank accounts from KYC automation agents
- • Managing subscription billing from India recurring payment agents
Not For
- • Global payment processing outside India (use Stripe or Adyen for international)
- • Consumer wallet product (use Paytm or PhonePe for consumer wallet)
- • Enterprise payment orchestration at global scale (use Adyen for global enterprise)
Interface
Authentication
Cashfree uses Client ID and Client Secret for API key authentication. REST API with JSON. Bengaluru, India HQ. Founded 2015 by Akash Sinha and Reeju Datta. Backed by Y Combinator, Apis Partners, SMBC ($200M+ raised). Products: Payment gateway, bulk payouts, bank verification, subscriptions, marketplace payments, auto-collect. SDKs: Java, PHP, Python, JavaScript, Ruby, Go. PCI DSS. Serves 500,000+ businesses. Competes with Razorpay, Paytm, and PayU for India payments.
Pricing
Bengaluru IN. Y Combinator alumni. No monthly fee. Per-transaction fees. Payout per-transaction fee.
Agent Metadata
Known Gotchas
- ⚠ PAYMENT GATEWAY vs PAYOUTS SEPARATE API KEYS: Cashfree Payment Gateway and Payouts use separate API credentials; automated business workflow combining acceptance and disbursement must maintain separate credential sets; automated single API key for both payment and payout creates authentication scope error
- ⚠ ORDER EXPIRY FOR PAYMENT LINK AND CHECKOUT: Cashfree payment orders have configurable expiry (default 1 hour); automated checkout flow must set appropriate order expiry; automated long-session checkout (customer takes >1 hour to complete) creates expired order for valid payment attempt
- ⚠ UPI COLLECT vs UPI INTENT FLOW SELECTION: Cashfree supports UPI Collect (push notification to customer's UPI app) and UPI Intent (deep link to UPI app); automated UPI checkout must select appropriate flow for web vs mobile context; automated UPI Collect on mobile web creates collect notification when Intent deep link provides better UX
- ⚠ WEBHOOK NOTIFICATION vs POLLING FOR PAYMENT STATUS: Cashfree payment status updates via webhook may have delivery delays; automated production payment confirmation should implement both webhook and status polling fallback; automated webhook-only confirmation may miss payment status update on webhook delivery failure
- ⚠ PAYOUT BATCH vs INDIVIDUAL TRANSFER EFFICIENCY: Cashfree supports individual transfers and batch payouts (bulk transfers); automated payroll disbursement should use batch payout API for efficiency; automated individual API call per recipient for large payrolls (500+ employees) creates excessive API calls and rate limit pressure
Alternatives
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Scores are editorial opinions as of 2026-03-07.