Answers to the most common questions about API Banking, Virtual Accounts, Collections, Bulk Payments, Auto Reconciliation, and enterprise-grade security.
Understand what CGPEY is and how it powers modern businesses.
CGPEY is a unified API banking platform that connects your bank accounts, payments, collections, and compliance into one dashboard. Instead of juggling multiple bank portals, you get a single Financial OS to manage collections, virtual accounts, bulk payments, auto-reconciliation, corporate cards, BBPS bill payments, and GST/TDS automation — all through secure REST APIs and a real-time dashboard.
CGPEY is built for fast-growing businesses handling high-volume money movement — E-commerce & Marketplaces, Logistics & Supply Chain, SaaS & Technology, Manufacturing & Trading, Retail & Restaurant Chains, and Real Estate & Construction. If you process collections, disbursements, or reconciliation at scale, CGPEY replaces fragmented banking tools with one platform.
CGPEY connects with 30+ leading banks including HDFC, ICICI, Axis, AU Bank, Kotak, Yes Bank, and more. You can manage all your accounts from one Multi-Bank Dashboard with real-time balance refresh and unified transaction visibility.
Witty is India's AI finance assistant built directly into CGPEY. Ask questions in English, Hindi, or voice — and get real-time insights on your cash position, approve payments, trigger disbursements, and view reports directly from WhatsApp. For example: "What's my total cash position across all banks?" and Witty replies with live balances across HDFC, ICICI, Axis, and more in under 2 seconds.
How CGPEY collects, tags, and reconciles every rupee that comes in.
CGPEY offers multiple collection options — Virtual Accounts, UPI collections (with QR or Soundbox), NEFT/RTGS/IMPS, and BBPS. Each incoming payment is real-time tracked via webhooks and can be auto-tagged using Smart Collection rules. Ideal for COD collections, subscription billing, marketplace settlements, and B2B invoicing.
Yes. Auto-Reconciliation uses AI-powered matching to automatically reconcile transactions across every connected bank account — matching payments to invoices, orders, or settlements. Accuracy exceeds 99%, and it processes millions of transactions daily. Finance teams save hundreds of manual hours and close books faster with instant discrepancy alerts.
CGPEY supports UPI, NEFT, RTGS, IMPS, BBPS, and Virtual Account-based collections. Our smart routing engine automatically picks the best rail based on amount, payer bank, and time of day — maximizing success rate and speed. You can also set custom rules for each customer or channel.
Absolutely. CGPEY supports both one-time and recurring collections. You can set up scheduled auto-debits, subscription billing, milestone-based real estate payments, and vendor prepayments — all with automatic tagging and instant confirmation via webhooks.
Give every entity its own account — and let reconciliation happen automatically.
Virtual Accounts give every seller, vendor, customer, or outlet a unique bank account number. When a payment lands, it's automatically tagged to the right entity — no manual matching needed. This is ideal for marketplaces (one VA per seller), real estate (unit-wise VAs), retail chains (store-level VAs), and manufacturing (vendor-wise VAs). Combined with our AI-powered auto-reconciliation engine, you get 99%+ matching accuracy and close books in hours, not days.
Yes. Virtual Accounts can be permanent (per seller / per outlet) or one-time (per order / per invoice). They work for recurring subscription collections, one-time COD settlements, milestone-based real estate payments, and vendor prepayments — all with automatic tagging.
Yes. CGPEY includes Tax Automation that auto-categorizes GST rates, reconciles GSTR-2A/3B, and reduces manual effort by up to 40%. Our BBPS-integrated Bill Payments module lets you pay 100+ billers — utilities, telecom, insurance, and more — with scheduled auto-pay and instant confirmations. Corporate Cards add spend controls with merchant-category locks and real-time tracking.
Auto-Reconciliation uses AI-powered matching to reconcile transactions across all connected bank accounts with 99%+ accuracy. It processes millions of transactions daily and gives finance teams instant discrepancy alerts — so nothing slips through the cracks and books close faster.
Go from sandbox to production in as little as 24 hours.
You can go from sandbox to production in as little as 24 hours. We provide Open API documentation, ready-to-run curl snippets, SDKs for popular stacks, and webhook intelligence. Our developer-first infrastructure includes a sandbox environment for testing, and our integration team assists with onboarding, KYC, and go-live support. No lengthy contracts or complex setup.
CGPEY provides Open API reference documentation, ready-to-run curl snippets, SDKs for every major stack (Node, Python, PHP, Java, Go, Ruby), Webhook Intelligence with retries and signature verification, a full-featured sandbox environment, and Postman collections. Everything is designed to let your team integrate quickly and safely.
Yes. Every collection, disbursement, virtual account, and reconciliation event fires real-time webhooks. Our Webhook Intelligence layer includes automatic retries, signature verification, and delivery logs — so your systems stay in sync without polling.
Absolutely. Every CGPEY account gets a full sandbox environment with simulated bank rails, test virtual accounts, and mock webhooks. You can build, test, and validate your entire integration before going live — without touching real money.
Enterprise security engineered for financial trust.
Absolutely. CGPEY is ISO 27001 certified and PCI-DSS compliant, with 256-bit SSL encryption across all data in transit and at rest. We enforce 2FA and biometric authentication, run 24/7 real-time threat monitoring, and maintain a 99.9% uptime SLA on redundant infrastructure with automatic failover. All banking integrations follow RBI and NPCI guidelines.
All data is encrypted in transit using 256-bit SSL/TLS and at rest using AES-256. We enforce role-based access control (RBAC), strict tenant isolation, and full audit logs on every action. Our infrastructure runs in redundant, geographically distributed data centers with continuous monitoring.
Yes. CGPEY enforces 2FA on all admin and API-level access, with support for biometric authentication (fingerprint / Face ID) on the mobile dashboard. You can also enforce IP whitelisting, device binding, and time-based access policies for maximum security.
CGPEY follows RBI and NPCI guidelines for all banking integrations, is ISO 27001 certified, and PCI-DSS compliant. We also support automated GST and TDS compliance through our Tax Automation module — including GSTR-2A/3B reconciliation — reducing manual effort by up to 40%.
Simple pricing and a support team that's always reachable.
CGPEY offers transparent, usage-based pricing tailored to your volume and use case. You pay per successful transaction, with volume discounts for high-throughput businesses. There are no hidden setup fees and no long-term lock-ins. Talk to our sales team for a custom quote based on your monthly collection and disbursement volume.
Yes. Every CGPEY account gets free access to a full sandbox environment with unlimited test transactions — perfect for building and validating your integration before you go live. No credit card required to start.
You get a dedicated integration manager, onboarding and KYC support, sandbox access, and Go-Live assistance. For live accounts, we provide email support, phone support, and WhatsApp support (via Witty). Enterprise plans include 24/7 priority support with a dedicated Slack channel and named account manager.
Getting started is simple. Click Get Started or Talk to Sales to schedule a demo. Our team will help you with onboarding, KYC, sandbox access, and API integration. You'll be ready to process live transactions in as little as 24 hours. You can also reach us directly on WhatsApp for instant support.
Our team is here to help. Schedule a demo, talk to sales, or chat with us on WhatsApp.