Chinese payment gateway for India — UPI pay-ins and payouts on one API

Same request shape you already use

Every endpoint follows the familiar contract, so migration is a configuration change rather than a rebuild.

• —Form-encoded POST with an MD5 signature over sorted, non-empty parameters plus your secret key
• —outTradeNo as the merchant order id, echoed back on every callback and query
• —orderState codes for pending, success and failed, with idempotent finalisation
• —Asynchronous notify callbacks that expect a plain HTTP 200 acknowledgement
• —Order query and balance query endpoints for reconciliation jobs

Collections that keep working when a provider stalls

Sunpay is a routing layer, not a single upstream. Each merchant can be pinned to up to eight channels per direction and currency. Orders rotate system-wide across the filled slots, and if a channel times out or rejects an amount, the next slot picks the order up instantly — the customer still sees one link.

Payouts and settlement from the same balance

Push UPI and IMPS payouts through the same API and credentials you use for collections. Bulk payouts, per-merchant minimum and maximum limits, signed payout callbacks and USDT settlement are all built in, so you are not stitching two vendors together.

Operations you can actually see

Every order carries its gateway, payment link, UPI id and callback history. Telegram slips post to your group the moment a pay-in or payout finalises, and the admin console exposes live success rates per channel so you can move volume before a bad channel costs you conversions.

Frequently asked questions

What is a Chinese payment gateway?

In the India collection market, 'Chinese payment gateway' usually means a gateway that exposes the API style Chinese PSPs standardised on: form-encoded requests, an MD5 signature over sorted parameters, outTradeNo order ids, orderState codes and asynchronous notify callbacks. Sunpay implements that exact contract, so integrations written for other Chinese-style gateways work with only a base-URL and key change.

Do I have to rewrite my integration to move to Sunpay?

No. If your system already speaks the MD5 sign + outTradeNo + notifyUrl pattern, you map our endpoints and keys and keep the rest of your code. Most merchants finish the switch in a day.

Can I settle in USDT?

Yes. INR collections can be settled to USDT on a schedule you choose, or withdrawn as INR through UPI/IMPS payouts from the same balance.

How fast are pay-in links generated?

Sunpay provisions a pay-in link, UPI intent or QR in under two seconds in normal conditions, with automatic failover to another connected channel if a provider stalls.

How many channels does Sunpay route across?

Merchants can be pinned to up to eight channels per direction and currency, with system-wide rotation (mixing) and instant failover so a single provider outage never stops collections.