Credit Card Bill Payment API
Let customers pay any bank's credit card bill from your counter or app.
Credit Card Bill Payment
Sandbox readycharged only for successful calls · ₹100.00–₹200,000.00 per transaction
- Prepaid wallet with automatic refunds
- Free sandbox keys for testing
- IP whitelisting, signed requests and webhooks
Credit card bills for every major bank
Send the card number, holder's mobile number, issuing bank and amount. The payment reaches the card account with a reference, and you charge a flat fee per payment.
- Issuing banks
- 35+
- All networks
- Visa · MC · RuPay
- Per payment
- Flat fee
What you get with the Credit Card Bill Payment API
All major banks
SBI, HDFC, ICICI, Axis, Kotak and 30+ more.
Card BIN check
Identify the issuing bank from the card number.
Operator-wise rates
Commission or fee set per operator, and lower with a package.
Prepaid wallet
Each call is debited at your rate; failed calls are refunded automatically.
Webhooks
Pending transactions are confirmed to your server automatically.
Secure by default
Hashed API keys, IP whitelist and optional HMAC request signing.
Go live in four steps
Send request
Card number, bank, mobile and amount.
Wallet debited
At your rate for that operator.
Operator processes
Routed through the best provider.
Result
Success, failure (refunded) or pending + webhook.
Frequently asked questions
Can I test before paying?
Yes. Create a free sandbox key and try every call; live keys need a package and wallet balance.
Can I use it without coding?
Yes. Every service is available in the Recharge & services panel of your client area.
What happens if a transaction fails?
The amount is refunded to your wallet automatically. Pending transactions are confirmed by webhook once the operator responds.
Start using the Credit Card Bill Payment API
Create a free account, test with sandbox keys and go live as soon as you are ready.