Urban Z is an API-first payouts solution that helps businesses and organizations to simplify and automate their payment disbursals.

The Urban Z API can be used for a wide variety of payments by businesses and startups. Some of the common use cases are listed below:
- Instant IMPS money transfer and UPI payouts to suppliers and vendors
- Automated payouts to employees for salary disbursement
- Cashbacks to ecommerce customers
- Differentiated Loyalty Rewards Programs
- Instant Insurance Claim Settlements
- Instant Refunds for Cash On Delivery (COD) Returns

If you have any questions about how you can use the Urban Z API for a specific business payout requirement, please write in to us bkcommunication836@gmail.com or simply request a callback here.

Urban Z is an API-first payments solution that solves many of the issues with business payout options provided by banks and aggregators today. Some of the main advantages of Urban Z are listed below:
- Easy, one-time integration
- Simple, hassle-free Payouts API loved by developers
- Instant Beneficiary Addition
- Instant IMPS money transfer and UPI Payouts even on bank holidays
- Superior Payout Success Rate
- Immediate Payout Status Confirmation
- Guaranteed Reconciliation
- World class security
- No-cost integration with 24/7 support
- Transparent Fee Structure with no hidden costs or service fees
- Custom pricing available for high volume businesses

Yes, we offer flexible pricing options for our Payout services based on the transaction volumes of a business. Please contact bkcommunication836@gmail.com for more information, or request a callback here.

The Urban Z API can be integrated easily onto your existing business infrastructure.
Please refer to our API doc to follow the step by step process to integrate Urban Z solution with your application.

Yes, you can load funds to your Urban Z account from any registered bank account, and transfer those funds to any bank account or UPI ID.

Yes, you can use Urban Z to make instant payment disbursals via IMPS or UPI 24/7, even on Sundays and bank holidays.

Yes, Urban Z supports payment disbursals through UPI as well as other payment modes like IMPS, NEFT and RTGS.

Urban Z is an all-in-one, automated Payouts API that supports business payment disbursals through UPI as well as other payment modes like IMPS, NEFT and RTGS.

Yes, you can send payouts to any UPI ID using the Urban Z API, irrespective of which UPI app they use. This ensures that your payees may use different UPI apps such as Google Pay, PhonePe, BHIM app, PayTM UPI, Cred app, Axis app, etc. but you can send instant payouts to all of them using the Urban Z API as long as you know their UPI ID.

The ideal Payouts API for any business should be quick, secure and smooth, and allow you to manage your beneficiaries efficiently. It should communicate the payment status to you immediately after a fund transfer has been initiated, and generate insightful records of all your fund movements.

Now let’s understand how the Urban Z API offers businesses several advantages over other payout options.
The Urban Z API was developed to address many long-standing issues with the payment disbursal options provided by banks and service providers. Not only does it enable you to add beneficiaries instantly and make bulk payments in super-quick time, but it’s also extremely easy to integrate onto your existing business architecture.

With the Urban Z API, you are assured of instant payment status confirmation, detailed reporting, world class security, superior Payout success rate, and guaranteed payment reconciliation. The Urban Z API is built to scale, and is the perfect payment disbursal solution for big enterprises and start ups alike.

If you have any specific questions regarding the nature of your business payments, you can speak to our experts here.

An API (Application Programming Interface) is basically a secure intermediary through which two computers or computer systems can transfer information to each other in accordance with a pre-defined set of rules. This enables one computer or system to send or receive information to or from another, without compromising each other’s security. APIs play a big role in the security and interoperability of different computer systems in financial technology.
In the case of a digital or online transfer of money, such as a vendor payment, several pieces of information have to be securely transferred between computer systems such as fund transfer initiation, confirmation of receipt, verification of payment status, reconciliation, etc. Urban Z is an integrated payout API provider that safely and efficiently facilitates this communication on your behalf between your bank and your payees’ banks, so that you can send repeat and lump sum Payouts to your partners, vendors, customers and employees with an unbeatable success rate. It also provides a much more user-friendly experience when it comes to sending Payouts and tracking your Payout flows compared to other banking websites and apps.

IMPS stands for Immediate Payment Service, which is an interbank electronic funds transfer system that enables bank account holders to send and receive money instantly via internet banking. An IMPS transaction is a real-time transaction, which means account holders can use it to send instant Payouts. For example, a business organization may use IMPS Payouts to transfer funds to vendors, customers, employees, sales staff, etc. An API (Application Programming Interface) is basically a secure intermediary through which two computers or computer systems can transfer information to each other in accordance with a pre-defined set of rules.
Now let’s understand what an IMPS API is, in the context of Payouts. Unlike individuals, businesses often need to send large volumes of Bulk Payouts or Automated Payouts to their partners and customers. Though several banks offer corporate banking facilities, they are often not user-friendly and efficient enough for managing uninterrupted business payouts. To circumvent these issues, businesses often turn to trusted API solutions like Urban Z to manage their payment disbursals.
Now bear in mind that while IMPS is one method of money transfer, businesses may choose to use different methods for different Payouts such as RTGS, NEFT and even UPI. Urban Z API is an all-in-one Payouts API that enables businesses to manage all their Payouts from one place using IMPS, as well other payment modes like NEFT, RTGS and UPI. It solves for many of the shortcomings of traditional corporate banking offerings, by enabling businesses to add beneficiaries instantly, make Bulk Payouts and receive immediate payment status verification. Crucially, Urban Z API also gives businesses the added benefit of automatic reconciliation and detailed reporting.

IMPS is a convenient mode of bank transfer for making instant payments to a bank account any time and any day of the week. Similarly, UPI is another convenient method of making instant Payouts to a UPI ID, anytime. Urban Z is an all-in-one Payouts API solution that lets you send repeat and bulk payments using IMPS, as well as other payment methods like NEFT, RTGS and UPI.

Just like IMPS, UPI Payouts are a great option for businesses to send bulk Payouts instantly. UPI Payouts use cases can range from customer cashbacks to sales incentives to even employee salaries, depending on the business and its requirements.
If you’re looking to make payment disbursals via UPI from your website or app, you can do so through a trusted Payout API provider like Urban Z. All you need to do is integrate the Urban Z API into your website/app, and you can in fact manage payouts through UPI, IMPS, NEFT and RTGS all from the same place.
The advantage of using a payment disbursal solution like the Urban Z API is also that you don’t need to do separate integrations for different methods of fund transfer. Once you’ve integrated the Urban Z API, you don’t need to do a separate API integration to send UPI Payouts. You can straight away send instant UPI Payouts to any number of payees using just their UPI ID.

No, you don’t need a separate Bank Account to use the Urban Z API. After your Urban Z onboarding, you are assigned a Urban Z account (with a Virtual Account Number) into which you can transfer funds from your registered bank account. You can use the Urban Z API for outbound payment disbursals as long as there are funds in your Urban Z account. You can also deposit money into and withdraw money from your Urban Z account at any time.