TheWellMoney gives merchants and enterprises a single, secure gateway for PayIn, Payout, UPI, and instant settlement — backed by banking-grade infrastructure built for scale.
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.
From accepting a single UPI payment to running white-label infrastructure for your own platform — it's all built on the same reliable core.
Accept cards, netbanking, wallets and UPI through one integration.
Collect payments programmatically with real-time confirmation webhooks.
Send vendor, refund, and payroll disbursals directly to any bank account.
Dynamic QR codes and intent flows tuned for the fastest checkout.
Give every customer a dedicated account number for easy reconciliation.
Send a link over chat or email and get paid without writing any code.
Traffic is routed to the best-performing bank in real time, automatically.
A single view of revenue, settlements, and disputes for your whole team.
Funds move to your bank account on a schedule you control, automatically.
Chooses a payment method at checkout
Sends the request through our checkout SDK
Routes the transaction to the best-fit bank
Authorises and confirms the payment
Funds land in the merchant's account on schedule
Revenue, settlement status, success ratio and pending payments — laid out clearly, updated live, and exportable whenever finance needs them.
Clean SDKs, predictable webhooks, and docs written by people who've actually shipped a checkout.
# 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);
Smart routing keeps approvals up even when a bank has issues.
256-bit encryption and tokenisation on every transaction.
Anomalies and failed payments are flagged the moment they happen.
A named team that knows your account, available around the clock.
SDKs for every major stack, live in production within a day.
Clear docs and sane defaults, so integration doesn't need a call.
Move funds to your account same-day, not on a T+3 delay.
Infrastructure that holds steady through sale-day traffic spikes.
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.
Our integration went from sandbox to production in two days. The webhook documentation is the clearest we've used from any payment provider.
Smart routing genuinely lifted our success ratio. We stopped losing customers to failed payments at checkout, which is where it matters most.
Every business routes money differently. Talk to sales for a plan built around your transaction mix.
For merchants scaling their first payment integration.
For businesses running payments at real volume.
For platforms building payments into their own product.
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.
Standard plans settle on a T+1 cycle. Enterprise plans can move to instant or same-day settlement depending on your banking partner.
Yes. Our infrastructure is built to PCI DSS standards, with tokenisation and encryption applied to every transaction by default.
Yes, our white-label plan lets platforms present a fully branded checkout while we handle routing, compliance, and settlement underneath.
Enterprise customers get a dedicated account manager and 24×7 monitoring, with real-time alerts on anything that needs attention.
Whether you're evaluating a switch or scaling an existing setup, our team will respond within one business day.