Accosis Product Documentation

Welcome to Accosis — the unified financial infrastructure platform that reimagines how businesses handle payments, banking, and accounting. Built for developers and designed for scale.

Quick Start

Core Products

💳 SettleWave - Payment Gateway

Accept payments across all channels with India's most developer-friendly payment gateway.

Payment Methods

• Cards: Visa, Mastercard, RuPay, Amex with smart routing
• UPI: UPI Collect, Intent, and QR code payments
• Net Banking: 100+ banks with real-time status updates
• Wallets: Paytm, PhonePe, Google Pay, and more
• BNPL: EMI options and Buy Now Pay Later solutions

Key Features

• Hosted Checkout: Pre-built payment pages with customizable branding
• Embedded SDK: Seamless in-app payment experience
• Smart Retry: Automatically retry failed transactions
• Fraud Prevention: ML-powered risk scoring and 3DS authentication
• Real-time Webhooks: Instant payment status notifications

🔗 Payment Links

Generate payment links and QR codes for instant collection.

• Branded Links: Custom domain with your company branding
• QR Code Generation: Dynamic QR codes for offline payments
• Multi-channel Sharing: SMS, email, WhatsApp integration
• Analytics Dashboard: Track conversion rates and payment patterns
• Expiry Management: Set custom expiry dates and usage limits

🧾 Smart Invoicing

GST-compliant invoicing with automated payment reconciliation.

💸 Payouts

Disburse funds to vendors, employees, and customers with full audit trails.

Transfer Methods:

• IMPS (Instant transfers)
• NEFT (Standard bank transfers)
• RTGS (High-value transfers)
• UPI (Instant P2P transfers)
• Wallet transfers

Enterprise Features:

• Bulk Uploads: Process thousands of payouts via CSV
• Approval Workflows: Multi-level approval for compliance
• Fund Management: Real-time balance tracking
• Tax Deduction: Automatic TDS calculation and filing

🏦 Connected Banking

Unified view of all your bank accounts with automated reconciliation.

👥 Payroll Automation

End-to-end payroll processing with statutory compliance.

• Salary Calculations: Automatic gross-to-net calculations
• Statutory Deductions: PF, ESI, TDS, and professional tax
• Direct Payouts: Bulk salary transfers to employee accounts
• Compliance Reports: Generate Form 16, PF returns, and more
• Employee Self-service: Pay slips and tax statements

📊 Accounting Automation

Transform transaction data into actionable financial insights.

Automated Workflows:

• Journal Entries: Auto-post from transaction webhooks
• Ledger Management: Real-time balance updates
• Bank Reconciliation: Match transactions across accounts
• Financial Reports: P&L, Balance Sheet, Cash Flow generation

Developer Experience

🛠️ APIs & SDKs

🔒 Security & Compliance

• PCI DSS Level 1: Highest standard for payment security
• Data Encryption: AES-256 encryption for data at rest and in transit
• RBAC: Role-based access control with granular permissions
• Audit Logging: Comprehensive logs for all system activities
• Regulatory Compliance: RBI, GST, and data protection compliance

📈 Enterprise Features

Scale & Performance

• High Availability: 99.9% uptime SLA with multi-region deployment
• Auto-scaling: Handle traffic spikes without manual intervention
• Rate Limiting: Intelligent throttling to protect system resources
• Monitoring: Real-time dashboards and alerting

Business Intelligence

• Advanced Analytics: Transaction patterns and business insights
• Custom Reports: Build reports tailored to your business needs
• Data Export: Full data portability in multiple formats
• API Analytics: Track API usage and performance metrics

Getting Started Guide

Step 1: Account Setup

1. Sign up for a free developer account
2. Verify your business details and bank account
3. Generate API keys from the dashboard
4. Configure webhook endpoints for real-time notifications

Step 2: Integration

1. Choose your integration method: Hosted checkout, SDK, or direct API
2. Implement authentication using API keys
3. Test transactions in sandbox environment
4. Set up webhook handling for payment status updates

Step 3: Go Live

1. Complete business verification and compliance requirements
2. Switch to production API keys
3. Configure payment methods and pricing
4. Monitor transactions and performance

Support & Resources

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What's Next?

Ready to start building? Here are your next steps:

1. Create API Keys → - Get your credentials
2. Quick Start Guide → - Build your first integration
3. API Reference → - Explore our endpoints
4. Join our Community → - Connect with other developers