RING (com.ideopay.user) — Lending & UPI API Integration Services

Providing compliant protocol analysis and runnable API delivery for lending & UPI payments, including reconciliation and merchant onboarding. NBFC partner integration and compliance guidance included.

Starting at $300 — First delivery, then payment on satisfaction
OpenFinance
OpenData
Protocol Analysis
Compliance & KYC

Lendings & UPI payments: securely integrate RING into your platform

We provide protocol reverse engineering and authorization flow mapping for mobile lending apps, with compliant API design and runnable integration code (Node/Python/Go). Use cases include accounting reconciliation, settlement exports, loan disbursement workflows, repayment status sync, and risk/compliance data integration.

Loan Origination & Approval API — automate credit limit checks, approval logs, disbursement instructions and repayment plans; NBFC workflow integration supported.
UPI Payments & Merchant Acquiring — initiate UPI payments, handle callbacks, refunds and reconciliation; supports merchant QR and VPA.
Identity & KYC — seamless paperless KYC, document upload, OTP validation, and integration with third-party KYC providers.
Compliance & Collections — RBI guidelines-based collections, data retention and audit trails.
Start Integration View Deliverables

Deliverables & Sample Output

Standard Deliverables

  • OpenAPI / Swagger interface specifications
  • Protocol analysis report (authorization flow, encryption, session management)
  • Runnable backend code (Node.js / Python / Go optional) with container deployment
  • Automated tests and Postman/Insomnia collections
  • Compliance guidance for KYC, logs, data retention

Interface Example: Loan Disbursement (pseudo-code)

POST /api/v1/ring/loans/disburse
Content-Type: application/json
Authorization: Bearer <INTEGRATION_TOKEN>

{
  "customer_id": "CUST12345",
  "sanction_id": "SANCT-7890",
  "amount": 60000.00,
  "bank_account": {
    "ifsc": "HDFC0001234",
    "account_no": "XXXXXXXX1234",
    "beneficiary_name": "RAHUL K"
  },
  "disburse_mode": "NEFT",
  "nbfc_partner": "Si-Creva Capital"
}

Response: {
  "status":"OK",
  "disburse_id":"DISB-20251001-001",
  "scheduled_at":"2025-10-01T10:00:00Z"
}

Interface Example: UPI Payments Initiation & Callback

1) Initiate payment (server side)
POST /api/v1/ring/upi/pay
{
  "amount": 1500.00,
  "vpa": "merchant@upi",
  "txn_ref": "TXN-98765",
  "callback_url": "https://yourhost.com/webhook/upi"
}

2) Callback (UPI gateway -> your endpoint)
POST /webhook/upi
{
  "txn_ref":"TXN-98765",
  "status":"SUCCESS",
  "upi_txn_id":"UPI20251001XYZ",
  "amount":1500.00
}

Core Benefits

  • RBI-compliant NBFC integrations and third-party KYC services
  • End-to-end logs and audit trails
  • Supports offline batch disbursement and real-time disbursement
  • Configurable collections and notification strategies with compliance

Security & Privacy

Our code adheres to security best practices: TLS, signature callbacks, rate limiting, granular permissions (OAuth2 / JWT), and encryption of sensitive fields with environment variable management.

API Integration Guide (Quick Start)

  1. Provide target app name (RING) and primary use cases (e.g., loan origination, UPI, reconciliation)
  2. Confirm available test environment or NBFC partnerships
  3. Protocol analysis and authorization mapping (2-5 working days)
  4. OpenAPI design, SDK samples and mock server
  5. Development, testing, deployment and handover documentation

We offer 7 days of basic technical support post-delivery and options for monthly maintenance and security audits.

What we need from you

  • Integration goals and priorities (e.g., reconciliation, disbursement, KYC)
  • Whether NBFC partners or sandbox credentials are available
  • Preferred output formats: OpenAPI, SDK, JSON/CSV
  • Compliance/audit requirements (NDA, data retention)

About Us

We are a tech studio focused on App protocol analysis and authorized API integration for the financial tech and e-commerce sectors. Our team delivers compliant, production-ready API solutions with OpenData/OpenFinance integration, across Android/iOS and server-side stacks.

  • OpenFinance / OpenBanking standard-ready deliverables
  • Android / iOS protocol analysis & SDKs
  • Compliance: privacy, data minimization, KYC & logging
  • Transparent pricing: starting at $300 with milestone-based payment

Contact Us

Ready to start? Submit your app name and detailed requirements via our contact page:

Visit Contact Page

📱 Full Original App Description (Collapsed) — RING

RING (com.ideopay.user) is a loan and UPI payments app with quick approvals, seamless UPI payments, and merchant settlement capabilities. We adhere to RBI NBFC guidelines and offer online KYC, compliant disbursement, and settlement workflows.

  • Instant loan approvals with flexible repayment options
  • UPI payments, QR codes and merchant settlement
  • KYC, document uploads and OTP verification
  • Compliance logs, audit trails and privacy controls
  • Supports NBFC partnerships registered with RBI