India's Most Unified Financial Operations Platform
From utility bills to instant money transfers — SIVO empowers businesses, agents, and merchants with a single, secure, API-first infrastructure. Empowering Every Transaction.
What is SIVO?
A unified Financial Operations Platform by SIRAV INDIA LLP — connecting businesses, agents, and consumers to India's payment infrastructure through a single API.
Why SIVO?
Real-time processing, RBI-compliant infrastructure, 99.9% uptime SLA, instant settlement, and a developer-first API design built for scale from day one.
How It Works
Integrate via REST API or our white-label portal. Onboard in days, not months. Transaction flows through our secure gateway with end-to-end encryption.
Built for the Future of Indian Finance
Enterprise-grade infrastructure that scales with your business, backed by the security and reliability that financial services demand.
Real-Time Processing
Sub-second transaction processing with instant confirmation and SMS alerts for every transaction.
Bank-Grade Security
PCI-DSS Level 1 compliant. AES-256 encryption, TLS 1.3, multi-factor authentication, and continuous fraud monitoring.
API-First Architecture
RESTful APIs with comprehensive documentation, SDKs in multiple languages, and a full sandbox for testing.
Analytics & Reporting
Real-time dashboards, transaction analytics, reconciliation reports, and custom data exports for business intelligence.
Multi-Channel Ready
Web portal, mobile SDK, USSD, and API integration — reach customers on every channel with a unified experience.
Regulatory Compliant
Fully compliant with RBI guidelines, NPCI standards, BBPS framework, and AePS certification requirements.
White-Label Ready
Deploy SIVO under your own brand. Custom domain, co-branded UI, and your logo — fully configurable.
Instant Settlement
T+0 and T+1 settlement options. Automated reconciliation and direct bank transfers to your preferred account.
99.9% Uptime SLA
Redundant infrastructure with geo-distributed nodes, automated failover, and a publicly available status page.
Trusted by Banks. Built for India.
Every transaction is protected by industry-leading security standards and regulatory compliance frameworks.
Level 1 Compliant
Registered Entity
Certified Partner
Encryption
Transport Security
Information Security
Agent Institution
Enforced
Everything Under One Platform
10 financial services, one integration. Power your business with the full stack of India's digital payment ecosystem.
Utility Bill Payments
BBPS-powered bill payments across 20,000+ billers — electricity, water, gas, broadband, and more.
Learn moreAePS
Aadhaar-Enabled Payments for cash withdrawal, balance enquiry, and fund transfer with biometric auth.
Learn moreMoney Transfer
Instant domestic remittance via IMPS, NEFT, and UPI with T+0 settlement and real-time status.
Learn moreMobile Recharge
Prepaid and postpaid recharge across Airtel, Jio, BSNL, Vi, and all major operators.
Learn moreDTH Recharge
Tata Play, Airtel Digital TV, Dish TV, Sun Direct, and more — in seconds.
Learn moreFASTag
NHAI FASTag recharge and management for seamless highway toll payments.
Learn moreQR Payments
Generate dynamic and static UPI QR codes for merchants and collect payments instantly.
Learn moreMerchant Collections
End-to-end merchant onboarding, POS integration, and real-time collection management.
Learn moreAPI Banking
RESTful APIs for all services. Sandbox, webhooks, multiple auth modes, and 99.9% uptime.
Learn moreVirtual Accounts
Unique account numbers per customer for automated reconciliation and seamless settlements.
Learn morePowered by India's Leading Banks
SIVO is connected with India's top banks for real-time fund routing, settlement, and AePS services.
The Scale of SIVO
From Signup to First Transaction
SIVO gets you live in days — not months. Our streamlined onboarding and developer-first approach means you're processing real transactions fast.
Register
Sign up at sivo.one/contact and submit your business details, including your physical address.
KYC & Approval
Our compliance team reviews your documents and verifies your physical address. Approvals complete within 48–72 hours.
Go Live
Start transacting with your customers securely through our platform.
Start Your Integration Today
Join 1,000+ businesses already powered by SIVO. Get API access in under 72 hours.
No credit card required · Free sandbox access · Full API documentation