Payout Links
Pay your users the way they want, instantly.
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Send money via:

UPI API
IMPS API
RBL API
API Banking
PAYTM API

How it works

1.
Send

Create a Cashgram link and send to recipient’s email and phone.

2.
Capture

Recipient enters their bank account/UPI ID/Paytm no./Debit Card.

3.
Redeem

Recipient receives a payout in her preferred account.

Instant payouts. Happy users.

Payout Marketing affiliates
Distribute Prize Money
Process Refunds
Reimburse Expenses
Send money to users
#Cashgram your users

Delight your users by paying them faster. Send Cashgrams in bulk via an API.

Furlenco uses Cashgram to automate
security deposit refund at end of subscription

Through Cashgram we are using all payment modes -IMPS, UPI & Paytm. From the customer point of view refund settlement process is instantaneous. The moment Furlenco picks your furniture, Furlenco is able to disburse the refund right away. There is a phenomenal shift in customer experience.

Varun Krishnakumar | Director of Products

FAQ: For Customers

Credits are applicable for all signups on or after 23 September 2020. When you sign up on Cashfree, our team will verify the business details submitted by you. Credits will be enabled after successful account verification and approval. Find all details about the Free Trial Credits here.
Note: You can refer to our guide for quick account activation.

Cashgram is a way to instantly send out money. If you have received a Cashgram from a merchant, you can redeem this Cashgram by visiting the Cashgram link and submitting your recipient details. You should then receive the money instantly.

It seems that the Merchant entered a different mobile number while generating the Cashgram. Please reach out the merchant to get this changed.

Please verify your mobile number with the merchant. In case your mobile number is correct but you are still not receiving the OTP, please mail us at support@cashfree.com.

Cashgram can be redeemed to your bank account, UPI VPA or Paytm. If any of the above mode is not enabled for you, please get in touch with the merchant.

Cashgram transfer could fail because of network or banking infrastructure issues. Please reach out to the merchant so that they can generate a new Cashgram for you.

A pending Cashgram transfer usually means that your recipient bank has not yet acknowledged the incoming transfer. Please wait for 24 hours, if you still have not received the money in your account, mail us at support@cashfree.com. Do mention your email id, phone number, Cashgram Id and merchant name in your email.

The money should be transferred into your account in some time. If you do not receive the amount within one hour please mail us at support@cashfree.com. Do mention your email id, phone number, Cashgram Id and merchant name in your email.

If any of the above mode is not enabled for you, please get in touch with the merchant.

It seems that the Cashgram sent to you has expired. Please get in touch with the merchant to get a new Cashgram.

FAQ: For Merchants (general)

Cashgram is a way to instantly send out money. If you have received a Cashgram from a merchant, you can redeem this Cashgram by visiting the Cashgram link and submitting your recipient details. You should then receive the money instantly.

To use a Cashgram you need to have a Cashfree account. From your Cashfree dashboard you can create a new Cashgram for any customer. The typical process is listed below-

  • 1. Merchant creates a Cashgram filling in the customer’s phone number.
  • 2. Customer receives SMS and email notification about this Cashgram generated by the Merchant.
  • 3. Customer visits the Cashgram link, authenticates and enters their bank details.
  • 4. The money is instantly transferred from Merchant’s account to customer’s bank account.

Cashgram makes sending out money simple and easy. It takes away all the operational overhead associated with bank transfers or payouts. You can simply create a Cashgram with a few clicks. We will notify the user and they can redeem the money any time at their convenience.

To start using Cashgram you will need to sign-up with Cashfree. If you already have a Smart Payout account you can instantly start using Cashgram using the dashboard. Click on the “Cashgram” tab in the Smart Payout dashboard.

Yes, the Cashgram recipient will be able to view and redeem their Cashgram at any time.

If you have UPI enabled in your Smart Payout account your customers will be able to redeem a Cashgram to their UPI account.

If you have Paytm enabled in your Smart Payout account your customers will be able to redeem a Cashgram to their Paytm account.

FAQ: Security

Cashgram is a secure way to transfer money to your customers. Once you create a Cashgram for a user only that user with the provided phone number can use that Cashgram. Cashgram is also active only for a limited amount of time, you can control the expiry time of each Cashgram. Post expiry no one will be able to view/redeem the Cashgram.

Once a Cashgram has been redeemed or expired, the customer will not be able to view it again.

FAQ: Users

You can use the dashboard to notify the user about their Cashgram. We will notify the customer over email or SMS.

We authenticate users using OTP so that only authorized users can view/redeem a Cashgram. Without a valid OTP nobody can view/redeem a particular Cashgram.

Once the customer redeems a Cashgram its status changes from ACTIVE to REDEEMED instantly. You will be able to view this on the dashboard. You will also be notified over email once a Cashgram has been successfully redeemed.

Every Cashgram has an expiry date. If the Cashgram is not redeemed before this expiry date, the Cashgram will become inactive. No one will be able to view/redeem such an inactive Cashgram.

FAQ: Transfers

If user fails to get money using Cashgram, it will show up on your dashboard. Mostly users fail to get money because of exceeding OTP limits.

If the customer enters invalid bank account number or IFSC code we will notify him on the web page. But if the customer enters valid, but incorrect, account number the money will be transferred to that bank account.

Once customer submits their bank details to redeem a Cashgram we will initiate a bank transfer from Merchant’s account to customer’s bank account. If at that time the underlying bank systems are facing a downtime will send this transaction to a pending state. Once the bank systems are up and running we will process all these pending transactions.

FAQ: Cost

Please get in touch with our sales team to get a custom pricing as per your needs.