TranslateCard bills cleared through your channel, not the issuer's app.
Enable customers and agents to pay credit card bills and process card-linked payments across all major issuers, with secure PCI-DSS compliant flows.
- Issuers in India
- All major
- Compliant payment flow
- PCI-DSS
- Confirmation to the customer
- Instant
- Channels — digital and assisted
- Two
Where the money actually goes.
Not a sign-up checklist — the real path one transaction takes, and which part of it is ours to run.
KreedX Credit Card Bill Payment lets your platform or retail network accept credit card bill payments for all major issuers in India. Whether your customer banks with a large private bank, a public sector bank or a card-first issuer, they can clear their outstanding card bill through your channel — online or at an assisted counter — with a secure, PCI-DSS compliant flow.
- Step 01
Customer enters card details
Through your app or an assisted counter, the customer provides their card and the amount they want to pay towards the outstanding bill.
- Step 02
Routed to the issuer
Your application submits the details through our credit card bill payment API, and the payment is routed to the correct issuing bank.
- Step 03
Handled securely
Because the flow is PCI-DSS compliant, sensitive card data stays inside a secured environment and never has to sit on your servers.
- Step 04
Confirmed and reconciled
The customer receives instant confirmation, and your system gets a transaction reference for reconciliation and reporting.
What you get with the integration.
Every line here is something that exists today, not a roadmap item.
- All major card issuers
- Secure PCI-DSS compliant flow
- Instant payment confirmation
- Retail & digital channels
Teams who ask for this first.
Each one is buying the same rails for a different reason.
What is live on day one, and what needs paperwork.
Most product pages only show the fast half. Here is both, so your launch date is built on the real one.
Live on day oneSame day
- Sandbox credentials and full API documentation, up front
- The payment flow reviewed against your own channel — app or counter
- Card data kept inside a secured environment, never on your servers
- A named integration contact, not a ticket queue
Needs paperwork firstAllow time
- Production keys — issued once commercials and documentation are in place
- Compliance checks, which run in parallel with your build
- A go-live review of how your side handles failures and timeouts
The facts, without the prose.
The things a technical evaluator scrolls straight down to find.
| Issuers | All major issuers on the VISA, Mastercard and RuPay networks |
|---|---|
| Channels | Digital, and assisted counters for walk-in customers |
| Security | PCI-DSS compliant flow with encryption in transit; card data stays inside a secured environment |
| Integration | REST API · sandbox and production environments |
| Confirmation | Instant confirmation to the customer, with a reference for your reconciliation |
| Posting to the card | As per the issuer's settlement cycle |
| Support | Integration team through sandbox, testing and go-live |
Asked before every integration.
Which credit cards are supported?+–
Cards from all major issuers on the VISA, Mastercard and RuPay networks are supported across both digital and assisted channels.
Is credit card bill payment secure?+–
Yes. Card payments run through PCI-DSS compliant flows with encryption in transit, so sensitive card data is protected end to end and never stored unnecessarily on your side.
How fast does the payment reflect on the card?+–
The customer receives an instant confirmation for the transaction, and the payment is posted to the card account as per the issuer settlement cycle.
What teams usually add next.
Utility Bill Payments
A single integration for electricity, water, gas, DTH, broadband and mobile recharges through the Bharat BillPay network with instant confirmation.
Cash Management ServicesCMS
Streamline cash collection and reconciliation for NBFCs, lenders and enterprises with a nationwide retail collection network and real-time credit updates.
Build your ownBanking API
Production-grade APIs that let you embed banking, payments and verification directly into your product with sandbox, SDKs and detailed documentation.
See it running on your own use case.
A 30-minute call where we walk one live transaction end to end, against the flow you actually need.
