Now settling in under 4 hours, 24×7

Powering the future of digital payments

TheWellMoney gives merchants and enterprises a single, secure gateway for PayIn, Payout, UPI, and instant settlement — backed by banking-grade infrastructure built for scale.

PCI DSS ready infrastructure
99.99% platform uptime
100+ integrations
₹0
Settled today
Success ratio
98.7%
Transactions / sec
1,240
Active merchants
18,400+
0
Platform uptime
0
API integrations
0
Transactions processed
0
Support & monitoring
Trusted by banks, merchants & enterprise platforms
Northbridge Bank
Veltrix
Orbital Retail
Kaelo Health
Suvida Finance
Marquee Travel
Ferro Markets
Clarion Edtech
TheWellMoney fintech team in discussion
Bank-grade security
Encrypted end-to-end, every transaction
About TheWellMoney

Infrastructure built for the next decade of payments

We started TheWellMoney with one belief: merchants shouldn't need a banking degree to accept payments reliably. Today our platform routes transactions across a resilient banking network, so businesses of every size can accept, move, and settle money without friction.

  • Merchant-first design, built alongside the businesses that use it daily
  • Smart routing across banking partners for a consistently higher success rate
  • A single dashboard and API for every payment method you'll ever need
Products

Every payment rail, one platform

From accepting a single UPI payment to running white-label infrastructure for your own platform — it's all built on the same reliable core.

Payment Gateway

Accept cards, netbanking, wallets and UPI through one integration.

PayIn API

Collect payments programmatically with real-time confirmation webhooks.

Payout API

Send vendor, refund, and payroll disbursals directly to any bank account.

UPI Intent & QR

Dynamic QR codes and intent flows tuned for the fastest checkout.

Virtual Accounts

Give every customer a dedicated account number for easy reconciliation.

Payment Links

Send a link over chat or email and get paid without writing any code.

Smart Routing

Traffic is routed to the best-performing bank in real time, automatically.

Merchant Dashboard

A single view of revenue, settlements, and disputes for your whole team.

Auto Settlement

Funds move to your bank account on a schedule you control, automatically.

How it works

From checkout to settlement, in one continuous flow

Customer

Chooses a payment method at checkout

Merchant site

Sends the request through our checkout SDK

TheWellMoney

Routes the transaction to the best-fit bank

Bank network

Authorises and confirms the payment

Settlement

Funds land in the merchant's account on schedule

Merchant dashboard

Every rupee, tracked in real time

Revenue, settlement status, success ratio and pending payments — laid out clearly, updated live, and exportable whenever finance needs them.

  • Live revenue and settlement tracking
  • Dark-mode analytics built for long sessions
  • Downloadable reports for reconciliation
dashboard.thewellmoney.com
Revenue
₹42.8L
Success ratio
98.7%
Pending
₹1.2L
Orbital Retail
Settled · UPI
+₹86,200
Kaelo Health
Settled · Card
+₹34,050
Marquee Travel
Processing
+₹12,900
Developer portal

Integrate in an afternoon, not a quarter

Clean SDKs, predictable webhooks, and docs written by people who've actually shipped a checkout.

cURL
Node.js
PHP
Python
Java
# create a payment intent
curl -X POST https://api.thewellmoney.com/v1/payments \
  -H "Authorization: Bearer sk_live_••••" \
  -H "Content-Type: application/json" \
  -d '{ "amount": 50000, "currency": "INR", "method": "upi" }'
import { WellMoney } from '@thewellmoney/node';

const client = new WellMoney('sk_live_••••');

const payment = await client.payments.create({
  amount: 50000,
  currency: 'INR',
  method: 'upi',
});
use WellMoney\Client;

$client = new Client('sk_live_••••');

$payment = $client->payments->create([
  'amount' => 50000,
  'currency' => 'INR',
  'method' => 'upi',
]);
from wellmoney import Client

client = Client("sk_live_••••")

payment = client.payments.create(
    amount=50000,
    currency="INR",
    method="upi",
)
WellMoneyClient client = new WellMoneyClient("sk_live_••••");

PaymentRequest req = PaymentRequest.builder()
    .amount(50000)
    .currency("INR")
    .method("upi")
    .build();

Payment payment = client.payments().create(req);
Why TheWellMoney

Built for teams who can't afford downtime

High success rate

Smart routing keeps approvals up even when a bank has issues.

Bank-grade security

256-bit encryption and tokenisation on every transaction.

Real-time monitoring

Anomalies and failed payments are flagged the moment they happen.

Dedicated support

A named team that knows your account, available around the clock.

Fast integration

SDKs for every major stack, live in production within a day.

Developer friendly

Clear docs and sane defaults, so integration doesn't need a call.

Instant settlement

Move funds to your account same-day, not on a T+3 delay.

High scalability

Infrastructure that holds steady through sale-day traffic spikes.

Enterprise security

Security that regulators and CFOs both sign off on

256-bit encryption & tokenisation
Card and bank data is tokenised before it ever touches our servers.
Real-time fraud & risk engine
Every transaction is scored before it's authorised, not after.
Compliance-ready architecture
Built to PCI DSS standards from the ground up, not retrofitted.
SSL Encryption
PCI DSS Ready
Fraud Detection
Data Protection
Industries we serve

Payments infrastructure across every vertical

Gaming
E-commerce
Forex
Education
Travel
Financial services
Healthcare
Subscriptions
Marketplaces
Digital businesses
Customers

Merchants who moved, and never looked back

★★★★★

Switching our settlement cycle to same-day changed how we manage cash flow across every store. The dashboard alone saved our finance team hours every week.

Ananya Kapoor
Ananya Kapoor
Finance Lead, Orbital Retail
★★★★★

Our integration went from sandbox to production in two days. The webhook documentation is the clearest we've used from any payment provider.

Rohit Malhotra
Rohit Malhotra
CTO, Clarion Edtech
★★★★★

Smart routing genuinely lifted our success ratio. We stopped losing customers to failed payments at checkout, which is where it matters most.

Priya Nair
Priya Nair
Head of Payments, Marquee Travel
Pricing

Enterprise pricing, shaped around your volume

Every business routes money differently. Talk to sales for a plan built around your transaction mix.

Growth

For merchants scaling their first payment integration.

  • PayIn & UPI APIs
  • Standard settlement cycle
  • Email & chat support
Request demo
Most popular

Enterprise

For businesses running payments at real volume.

  • Full API suite + smart routing
  • Instant settlement
  • Dedicated account manager
Contact sales

White Label

For platforms building payments into their own product.

  • Fully brandable checkout
  • Sub-merchant onboarding
  • Custom pricing structures
Contact sales
FAQ

Questions, answered

How long does integration take?

Most merchants go live within a day or two using our SDKs. Complex custom flows with white-label branding typically take one to two weeks.

When do settlements land in my account?

Standard plans settle on a T+1 cycle. Enterprise plans can move to instant or same-day settlement depending on your banking partner.

Is TheWellMoney PCI DSS compliant?

Yes. Our infrastructure is built to PCI DSS standards, with tokenisation and encryption applied to every transaction by default.

Can I white-label the checkout experience?

Yes, our white-label plan lets platforms present a fully branded checkout while we handle routing, compliance, and settlement underneath.

What support is available if something goes wrong?

Enterprise customers get a dedicated account manager and 24×7 monitoring, with real-time alerts on anything that needs attention.

Contact

Let's talk about your payments

Whether you're evaluating a switch or scaling an existing setup, our team will respond within one business day.

Email
sales@thewellmoney.com
Phone
+91 22 4000 1200
Working hours
Mon – Sat, 9:00 AM – 8:00 PM IST
Office
Bandra Kurla Complex, Mumbai, India