Next-Gen Payment Technology Architecture

Modern Payment Infrastructure for Growing Businesses

TechMights Pay delivers unified checkout, instant UPI Intent & dynamic QR, tokenized cards, and flexible payment links. Built with bank-direct settlement and clean developer APIs.

Bank-Direct Settlement
Zero Fund Pooling
Real-time Webhooks
API v1 POST /api/v1/orders
SANDBOX
// Create an authenticated payment order
curl -X POST https://pay.techmights.com/api/v1/orders \
  -H "X-Api-Key: tmp_test_key_sample1234567890abcdef" \
  -H "X-Api-Secret: tmp_test_sec_sample_secret_key" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 249900,
    "currency": "INR",
    "order_reference": "INV-2026-981",
    "customer": {
      "name": "Arun Kumar",
      "email": "arun@example.com"
    }
  }'
Payment Capabilities

Everything You Need to Accept Digital Payments

Engineered for high conversion, rock-solid reliability, and zero fund aggregation risk.

Hosted Checkout

Secure, mobile-responsive checkout modal and redirect. Automatically adapts to customer screen size with high-conversion payment flows.

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UPI Intent & Dynamic QR

Instant UPI payment experiences with deep-links to GPay, PhonePe, Paytm, and BHIM, alongside dynamic QR codes for desktop checkouts.

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Smart Payment Links

Generate and share payment links instantly via WhatsApp, SMS, or Email. Set expirations, maximum attempt limits, and auto-reminders.

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Direct Settlement Architecture

Your Money Goes Directly to Your Bank Account

Unlike pooled payment aggregators where merchant funds are held in intermediaries, TechMights Pay is built as a pure Payment Technology Platform:

  • Bank Direct Settlement: Customer payments are routed through acquiring banks and settled directly into the merchant's designated bank account.
  • Zero Custody of Funds: TechMights Pay does not operate escrow accounts, hold wallets, or pool balances, completely eliminating intermediary default risk.
  • Official Banking Compliance: Merchants are vetted and approved through authorized acquiring partner KYC guidelines.
Platform Flow Comparison
Unregulated Aggregation (Not Allowed)
Customer → Aggregator Pooled Escrow → Held by TechMights → Delayed Payout
TechMights Direct Settlement Platform (Our Model)
Customer → Bank Payment Gateway → Direct Settlement to Merchant Bank
(TechMights Pay supplies encrypted orchestration, checkout UI, and webhook notifications)

Ready to Integrate TechMights Pay?

Test the complete end-to-end payment workflow instantly in our sandbox environment before taking live transactions.

Regulatory & Operational Notice:

TechMights Pay operates as a specialized payment technology platform and Technical Service Provider (TSP) integrating with authorized banking and acquiring partners. TechMights Pay does not pool, hold, or escrow merchant funds. Merchant settlements are routed directly by the acquiring bank partner pursuant to merchant KYC approval and underwriting agreements.