IXOPAY vs PayYantra
IXOPAY
ixopay.comPayYantra
payyantra.comSide by side
| Figure | IXOPAY | PayYantra |
|---|---|---|
| Price from | $1,000/mo | — |
| Free plan | — | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 2 | 0 |
| Spec score · Payment Hub Software | 8.8 (#1) | 7.4 (#10) |
| API security | The Transaction API uses HTTPS JSON, TLS 1.2 or newer, Basic Authentication and optional signature and date headers. | Its developer guide specifies Bearer token authentication over TLS 1.3 and support for idempotency keys on state-changing endpoints. |
| Product | IXOPAY provides enterprise-grade payment orchestration, tokenization, and payments intelligence. | PayYantra describes itself as a payment infrastructure and orchestration platform for collections, payouts, payment routing, and reconciliation. |
| Reconciliation | The reconciliation module normalizes different provider formats and helps resolve fee, missing-transaction and unidentified-transaction discrepancies. | PayYantra offers automated settlement reconciliation and ledger or MIS reporting across payment channels. |
| Routing | Smart transaction routing and strategic smart retries are features for improving conversion and recovering declined payments. | The platform evaluates connected payment service providers and routes transactions using live performance information. |
| Security | IXOPAY lists ISO 27001, SOC 3, and PCI DSS attestations for its tokenization and payment orchestration platforms. | A PayYantra PCI DSS certificate states that the company was assessed as compliant with PCI DSS version 4.0.1, with validation dated January 9, 2026. |
| What it does | IXOPAY provides enterprise payment orchestration, tokenization and payment-intelligence infrastructure. | PayYantra describes itself as a payment infrastructure and orchestration platform for collections, payouts, payment routing, settlement, and reconciliation. |
| Who it serves | IXOPAY describes its customers as merchants and fintechs and says its white-label solution is designed for ISOs, PSPs, banks, ISVs, and payment facilitators. | PayYantra says it serves enterprises, banks, NBFCs, fintechs, and regulated institutions, with examples spanning education, healthcare, e-commerce, and government. |
Plans
In their own words
IXOPAY
IXOPAY provides payment orchestration, tokenization, and payments intelligence for merchants and fintechs. One API integration connects to more than 200 payment providers and 300 payment methods. Adapters connect to acquirers, processors, gateways, and third-party tools such as CRM, ERP, and SMTP services. Supported payment channels include online, mobile, point-of-sale, hosted payment pages, and server-to-server. Smart transaction routing and strategic retries are intended to improve conversion and recover declined payments. The platform automates reconciliation and reporting, with shareable insights for finance, product, and operations teams. Universal Tokens use a common format across multiple payment service providers. IXOPAY lists ISO 27001, SOC 3, and PCI DSS attestations for its tokenization and orchestration platforms and states that it complies with GDPR. It also offers a white-label solution for ISOs, PSPs, banks, ISVs, and payment facilitators. The Developer Hub provides guides, recipes, an API explorer and reference, and operating guides. The cloud platform supports Android, iOS, web, and API access. A sandbox is available at no cost for evaluating tokenization. Plans start at $1,000 a month; full pricing requires contacting IXOPAY.
PayYantra
PayYantra is a payment infrastructure and orchestration platform for collections, payouts, routing, settlement and reconciliation. Its unified payment API accepts UPI, cards, net banking, wallets and buy now, pay later. The platform evaluates connected payment service providers using live performance information and routes transactions accordingly. Payouts can be sent through IMPS, NEFT, RTGS and UPI. OmniVAN provides virtual account collections, incoming payment tracking, UTR capture and automated reconciliation; eNACH supports mandate creation, scheduled collections and payment tracking. Developer materials describe REST APIs, webhooks, API keys and an isolated sandbox for simulating payment scenarios. Native SDKs are listed for iOS and Android, alongside React Native and Flutter. OmniVAN lists SAP, Oracle, Tally, Zoho and custom systems as integrations. PayYantra says it serves enterprises, banks, NBFCs, fintechs and regulated institutions. Pricing is on request. The company states that it is not a bank and that funds are held in nodal accounts with RBI-licensed scheduled commercial banks.