Developers

TachoPay API

Build mobile topup and bill payment into your app. One integration covers 12 countries, 150+ operators, and BBPS billers across India and Bangladesh.

Sub-10s topups

Direct operator integrations and AKSOM/Reloadly fallback. Most topups settle in under 10 seconds.

HMAC-signed

Every request signed with HMAC-SHA256. JWT issuer isolation per portal. Refund guards on every settle.

Webhook callbacks

Get notified the moment a topup completes, fails, or is refunded. Idempotent, retried with backoff.

REST + JSON

No SDK lock-in. Plain HTTPS, JSON in and out. cURL works, Postman works, your favourite stack works.

Quick start

Send a topup with a single signed POST. Replace $API_KEY with your partner key.

POST https://api.tachopay.com/v1/topup

curl -X POST https://api.tachopay.com/v1/topup \
  -H "Authorization: Bearer $API_KEY" \
  -H "X-Signature: $HMAC_SHA256" \
  -H "Content-Type: application/json" \
  -d '{
    "country": "IN",
    "operator_id": "JIO",
    "phone": "919876543210",
    "amount": "199.00",
    "currency": "INR",
    "order_id": "ord_abc123",
    "callback_url": "https://your.app/webhook"
  }'

Response: { "status": "PENDING", "txn_id": "..." } followed by a webhook callback when the topup settles.

Available endpoints

Method	Endpoint	Purpose
GET	/v1/countries	List supported countries
GET	/v1/operators?country=IN	List operators for a country
GET	/v1/products?operator=JIO	List recharge products
POST	/v1/topup	Send a mobile topup
POST	/v1/pay-bill	Pay a BBPS bill
GET	/v1/transactions/:id	Check transaction status
POST	/v1/refund	Refund a failed topup
GET	/v1/balance	Wallet balance

Get API access

The TachoPay partner API is in private beta. Email us with your use case and expected volume, and we will get back within one business day with sandbox credentials and full docs.

developers@tachopay.com