Frequently Asked Questions

bridg.money is a Technology Service Provider (TSP) offering a unified API stack for compliant, scalable money movement — including payouts, collections, connected banking, merchant onboarding, multi-bank routing, reconciliation, and escrow infrastructure.

No. We are not a bank. We partner with RBI-licensed banks and financial institutions to deliver API-based financial services.

We serve businesses, marketplaces, platforms, fintechs, enterprises, and (if eligible) individual sellers who require secure and compliant money movement.

Currently, our services are for Indian entities. Cross-border capabilities may be available via select partner banks.

We support a wide range of industries, subject to compliance checks. Certain high-risk categories may be restricted.

Pricing depends on your transaction volumes, risk profile, and product usage. Contact our sales team for a custom quote.

No fixed minimum for most products. High-volume plans may have minimum usage for preferential pricing.

No. All charges are transparently listed in your agreement.

We use bank-grade encryption, secure storage, and multi-layered security protocols.

Yes, through PCI-DSS certified partners.

Yes. All services are provided in full compliance with RBI and applicable laws.

We work with partners who are PCI-DSS certified, ISO 27001 certified, and SOC 2 ready.

We perform KYC/KYB verification, transaction monitoring, and AML/CFT checks.

Yes. Our systems and processes are periodically reviewed for regulatory and security compliance.

Contact sales or register on our website to begin onboarding.

Yes. We offer detailed API docs, sandbox credentials, and sample code.

Yes. SDKs are available in popular languages, and plugins for platforms like Shopify and WooCommerce.

Yes. Our technical team supports both API and plugin-based setups.

Yes. We support webhooks for real-time status updates and callbacks for transaction events.

We target 99.9% uptime, with automatic failover routing to ensure service continuity.

An API-first onboarding solution with automated document verification, KYC/KYB checks, and instant merchant activation.

Certificate of Incorporation, GST, PAN, bank proof, and authorized signatory KYC. Requirements vary by business type.

Typically 24–48 hours after submitting all documents.

Yes — entirely digital via a secure upload flow.

Accept payments via Virtual Accounts, UPI/VPA, QR, and cards — with instant confirmation and auto-settlement.

Yes, including weekends and public holidays.

T+0 or T+1, depending on bank arrangements.

Enables instant payouts via NEFT, RTGS, IMPS, UPI, and cards with smart retries and live tracking.

Yes — through API or dashboard CSV upload.

It is retried automatically or refunded to your source account.

Yes via IMPS/UPI; NEFT/RTGS follow banking hours.

Gives real-time access to your own bank account balances, transactions, and statements — with the ability to initiate payments directly.

Yes. You can link multiple accounts to view and operate them from a single dashboard.

An intelligent routing engine that selects the fastest, most cost-efficient bank rail for transactions, with automatic failover.

Yes — it optimises both.

Matches incoming and outgoing transactions in real time, syncs with ERP systems, and flags anomalies instantly.

Yes — available in CSV or Excel.

Yes — enterprise clients can schedule automated report delivery via API or email.

Provides RBI-compliant escrow and pooled account structures with sub-ledgers and transaction-level controls.

Yes — suitable for marketplaces, gig platforms, and other multi-party settlements.

Funds remain in escrow until resolution per agreed terms.

Yes. We do not support certain high-risk categories such as gambling, adult content, unregulated forex, and cryptocurrency trading.

Some features (e.g., T+0 settlements, certain API types) may be bank-dependent and subject to risk approval.

Yes — with role-based access controls.

Yes — available for eligible partners.

If dormant for a long period, re-verification may be required.

Transactions are rerouted automatically using BridgRoute.

Via our published grievance redressal process.

Yes — in coordination with the merchant.

Email support is 24x7; phone support during business hours.

Yes — with real-time transaction data and analytics.

Yes — for enterprise clients.

Yes — available for enterprise integrations.

Yes — with test credentials after initial setup.

Plugin integration can be same-day; full API integration may take a few days based on complexity.