API Banking Services

Transforming Financial Ecosystems with Neokwik’s API Banking

Banking today is no longer limited to traditional branches—it’s available anytime, anywhere, through secure APIs. With API Banking Services, financial institutions and fintech companies can integrate banking capabilities directly into their platforms, offering customers a fast, seamless, and innovative digital experience. At Neokwik, we empower banks, NBFCs, fintech startups, and enterprises with API-first banking solutions that simplify payments, collections, lending, and account services.

What is API Banking?

API Banking refers to the use of Application Programming Interfaces (APIs) that allow third-party applications to connect with a bank’s core systems securely. Instead of building everything from scratch, businesses can embed banking features—like payments, account validation, and fund transfers—directly into their apps and platforms.

👉 Example: When an e-commerce app allows customers to pay via UPI, debit card, or wallet without redirecting to a bank’s website, it’s powered by API Banking.

Neokwik API Banking Services

We provide a wide range of API integrations that help businesses streamline financial operations.

Payments & Collections APIs

  • UPI, IMPS, NEFT, RTGS payments
  • Recurring payments & auto-debit features
  • Bulk payouts for vendors, salaries, and refunds

Account & Identity Verification APIs

  • Instant bank account validation
  • PAN, Aadhaar, GSTIN, and KYC verification
  • Real-time customer onboarding

Lending & Credit APIs

  • Loan origination & credit scoring APIs
  • EMI collection & repayment APIs
  • Integration with NBFCs and microfinance institutions

Card Issuance & Management APIs

  • Prepaid, debit, and virtual card APIs
  • Card tokenization for security
  • Real-time card blocking/unblocking

Collections & BBPS APIs

  • Bharat Bill Payment System (BBPS) integration
  • Utility bill payments (electricity, water, gas, broadband, etc.)
  • DTH, mobile recharges, and subscription services

Compliance & Security APIs

  • e-KYC & Video KYC APIs
  • AML/CFT compliance checks
  • AI-driven fraud detection & monitoring

Benefits of Neokwik API Banking

Faster Time-to-Market

Ready-to-use APIs for quick integration.

Cost Efficiency

No need to build complex banking systems from scratch.

Scalability

Handle millions of daily transactions without downtime.

Improved User Experience

Seamless, real-time banking inside your app.

Security First

RBI-compliant, encrypted, and fraud-protected APIs.

Customization

White-label solutions to match your brand.

Who Can Use API Banking Services?

  • Banks & Co-Operative Banks – Modernize operations with digital-first capabilities.
  • NBFCs & Fintech Startups – Launch lending, wallets, and UPI apps quickly.
  • E-Commerce & Marketplaces – Enable seamless customer checkouts and vendor payouts.
  • Enterprises & MSMEs – Simplify bulk salary payments, collections, and invoicing.
  • Payment Aggregators & Service Providers – Expand digital offerings with secure banking APIs.

Why Choose Neokwik for API Banking?

  • Domain Expertise: Years of fintech and banking experience.
  • Comprehensive API Suite: Payments, lending, identity, and compliance APIs.
  • 24/7 Technical Support: Always-on monitoring & assistance.
  • Secure & Compliant: Built with RBI, NPCI, and PCI DSS guidelines.
  • Proven Performance: Designed to handle high-volume, mission-critical transactions.