180 Pay is an enterprise payment orchestration engine providing direct 0.8% UPI settlement, instant T+0 bank payouts, multi-gateway failover across Stripe and Razorpay, and 1-click bottom-sheet checkout modals without vendor lock-in.
Everything your finance and engineering team needs to collect payments, automate recurring subscriptions, and eliminate fee gouging.
Legacy payment gateways siphon 2.0% to 3.5% + GST on every transaction. 180 Pay routes directly through sovereign UPI and banking rails, slashing merchant processing fees to a flat 0.8% with zero hidden gateway markups.
Stop waiting T+2 to T+7 business days for working capital to unlock. 180 Pay executes instant T+0 automated payouts directly to your verified commercial bank accounts via IMPS, NEFT, and RTGS.
Plug in your existing Stripe, Razorpay, Cashfree, or PayPal API keys with 1 click. If one provider experiences downtime or degraded bank health, 180 Pay automatically cascades the charge to secondary gateways with zero failed payments.
Keep customers inside your application. The 180 Pay checkout modal renders as a native bottom sheet on mobile and an elegant glass modal on desktop, eliminating jarring multi-redirect drop-offs and popup blocker rejections.
Handle usage-based metering, tiered SaaS plans, trial periods, and automated proration without complex Stripe Billing code. Customers manage their own payment methods, card updates, and invoices in a white-label self-serve portal.
Sell globally with automated localized pricing across 135+ currencies. Configure automatic discount coupons based on buyer geolocation to maximize international sales velocity in emerging markets.
Integrate server-side signed sessions for complete tamper resistance, or launch 1-click in-DOM bottom sheets in your frontend.
const res = await fetch('https://api.180core.cloud/api/v1/pay/checkout-session', {
method: 'POST',
headers: {
'Content-Type': 'application/json',
'Authorization': `Bearer ${process.env.ONE_EIGHTY_CLIENT_SECRET}`
},
body: JSON.stringify({
client_id: process.env.ONE_EIGHTY_CLIENT_ID,
amount: 499, // Whole currency: ₹499 INR (No paise!)
currency: 'INR',
title: 'Annual Pro Pass',
order_id: 'ord_12345',
return_url: 'https://yourapp.com/success'
})
});
const { checkoutUrl } = await res.json();
// Direct user to checkoutUrlimport { OneEightyPay } from '@workspace/identity-sdk';
// Opens native slide-up bottom sheet in client DOM
OneEightyPay.openBottomSheet({
amount: 499, // Whole units (₹499 INR or $49.00 USD)
currency: 'INR',
title: 'Annual Pro Pass',
orderId: 'ord_12345',
onSuccess: (data) => {
console.log('Captured:', data.transactionId);
window.location.href = '/dashboard?upgraded=true';
}
});Developers never need to build, style, or maintain complex payment flows. 180 Pay handles the entire transaction lifecycle out-of-the-box.
Call OneEightyPay.checkout({ amount: 499, currency: 'INR' }). The bottom sheet slides up, handles method selection (UPI, Cards, Netbanking, Wallets, PPP Discounts), and resolves securely.
Open profile.180core.cloud/checkout/:sessionId. Posts to OneEightyPaymentChannel and redirects back to mobile custom scheme (myapp://payment/callback?status=success&session_id=...&amount=499).
Completely zero-code. Generate a hosted checkout link in your console and share it anywhere.
<one-eighty-pay-button amount="499" currency="INR" title="Upgrade Now">
See why modern businesses migrate from Stripe, Razorpay, and Cashfree to 180 Pay's sovereign 0.8% infrastructure.
| Feature | 180 Pay | Stripe | Razorpay | Cashfree |
|---|---|---|---|---|
| UPI Processing Fee | 0.8% Flat | 2.0% + GST | 2.0% + GST | 1.95% + GST |
| Settlement Timeline | Instant T+0 Payout | T+2 to T+7 Days | T+2 Days | T+1 to T+2 Days |
| Zero Gateway Lock-in (BYOG) | Native (Bring Any Key) | None (Locked) | None (Locked) | None (Locked) |
| Smart Gateway Failover | Automatic Cascade | Not Supported | Not Supported | Not Supported |
| Checkout Modal Speed | <45ms In-DOM Sheet | External Redirect | Iframe Pop-up | Redirect / Iframe |
| Currency Unit Standard | Whole Units (No Math) | Paise / Cents (x100) | Paise (x100) | Paise (x100) |
| Customer Billing Portal | Included (White-label) | Extra Billing Fee | Limited Features | Manual Only |
| Direct Ledger Integration | 180 Work Graph Sync | Requires Zapier/Sync | Requires Webhooks | Requires Webhooks |
180 Pay is a sovereign payment orchestration and settlement engine. Unlike legacy payment aggregators that charge 2.0% + GST to cover intermediary margins, 180 Pay connects directly to sovereign UPI infrastructure and automated banking rails, passing those wholesale efficiencies directly to merchants at an unprecedented 0.8% flat rate.
180 Pay universally operates on whole currency units (e.g. amount=499 for ₹499 INR or $49.00 USD) rather than requiring developers to multiply by 100 into paise or cents. This completely eliminates accidental 100x pricing mistakes. Furthermore, an intelligent backend unit detector automatically converts legacy paise/cents payloads with a non-fatal diagnostic warning.
With 180 Pay BYOG, you can securely plug in your own API keys for Stripe, Razorpay, Cashfree, or PayPal directly in your dashboard. 180 Pay orchestrates checkout, subscription dunning, and currency routing across your existing accounts with zero markup, giving you complete redundancy without vendor lock-in.
180 Pay utilizes an ultra-lightweight client SDK that renders an adaptive in-DOM bottom sheet on mobile devices. Customers can complete payments in 1 click using native UPI intent links (Google Pay, PhonePe, Paytm, CRED) or QR codes without full-page browser redirects or popup blockers.
When a customer completes a transaction, funds settle immediately into your connected merchant bank account via automated IMPS, NEFT, and UPI rail triggers rather than waiting 48 to 72 hours like legacy payment gateways.
No. Developers never need to build payment method selector screens, credit/debit card forms, UPI QR displays, coupon code validation, World Bank PPP currency conversions, 3DS verification modals, or receipt fulfillment screens. 180 Pay provides 100% pre-built, hosted flows via in-DOM bottom sheets (OneEightyPay.checkout({ amount: 499, currency: 'INR' })), hosted checkout WebViews (profile.180core.cloud/checkout/:sessionId), zero-code shareable payment links (/pay/l/:slug), and drop-in web components (<one-eighty-pay-button>).
Yes. 180 Pay adheres to strict PCI-DSS Level 1 compliance standards, RBI payment aggregator guidelines, 256-bit AES cryptographic encryption at rest, and TLS 1.3 transport security. Sensitive card data never touches your servers.
Explore every pillar of the 180 enterprise platform. Engineered with native interoperability, shared user identity, and sovereign Work Graph data architecture.
Unified Work Graph Operating System
Replace 15+ fragmented SaaS tools with one sovereign database uniting CRM, Projects, Finance, HR, and Orbit Copilot AI.
Sovereign Developer API & Auth Kernel
RFC 7636 OAuth 2.0 PKCE, universal profile federation, and sub-millisecond RS256 JWKS token verification for modern apps.
Sovereign 0.8% UPI & Subscription Engine
Eliminate 2% gateway fees with direct UPI settlement, multi-gateway fallback (Stripe, Razorpay), BYOG, and 1-click modal checkout.
WhatsApp OTP & Biometric Passkey SSO
99.2% login deliverability in under 2s with WhatsApp OTP, WebAuthn passkeys, and built-in adaptive bottom-sheet modal SDK.
Autonomous Sub-200ms AI Phone Telephony
Deploy ultra-realistic generative voice agents with Cartesia Sonic-3, BYOK OpenAI/Groq tokens, and live CRM database tool actions.
>500 FPS Video Engine & Omnichannel Publisher
Lossless stream-copy video editing and automated visual content scheduling for YouTube, Instagram, X, LinkedIn, and Facebook.
Sub-5ms Edge Bot Mitigation & Ad Cloaking
Protect digital ad spend from bot clicks and competitor scrapers with real-time Cloudflare Worker evaluation and reverse proxy streams.