PaySense API Integration for Digital Lending | FintegrationFS

PaySense API Integration for Digital Lending Platforms

FintegrationFS helps NBFCs, fintech lenders, and digital loan apps seamlessly integrate the PaySense API into their loan journey. With our domain expertise in lending tech and experience working with top financial institutions, we empower you to build compliant, secure, and high-performance digital lending systems.

Whether you’re building a personal loan app, upgrading your loan origination system, or creating a fintech loan platform in India, our expert engineering team ensures your integration is smooth, scalable, and production-ready.

Why PaySense API Integration Matters for Modern Lenders

PaySense enables lenders to offer instant personal loans with automated KYC, credit assessment, document collection, and underwriting insights. Integrating these APIs helps fintechs:

PaySense enables lenders to offer instant personal loans with automated KYC, credit assessment, document collection, and underwriting insights. Integrating these APIs helps fintechs:

• Reduce onboarding drop-offs

• Automate risk checks

• Improve loan approval turnaround time

• Launch a digital lending API India-first experience

• Ensure compliance and audit-friendly data exchange

With our engineering team, you get an optimized loan workflow designed for India’s regulatory fintech environment.

Our PaySense API Integration Services

1. Personal Loan Workflow Development

We build complete personal loan journeys using the PaySense personal loan API, covering:

• User onboarding & KYC

• Credit eligibility checks

• Bank account validation

• Document collection

• Loan approval logic

• Disbursement setup

• Repayment schedule automation

All flows align with RBI/NBFC compliance requirements.

2. Loan Application API Setup & Optimization

Our developers configure your loan application API with request validation, API authentication, and secure data mapping, ensuring zero breaks during scaling.

3. Loan Origination System (LOS) Buildout

We design modular, API-first LOS components including:

• Rule engine

• Risk & underwriting modules

• Document verification

• Field-level audit trails

• Decision logs

Built to integrate PaySense + any future loan service provider.

4. PaySense REST API Documentation Review & Mapping

We translate the PaySense REST API documentation into clean, developer-friendly flows:

• Endpoints

• Payload structures

• Token management

• Webhook handling

• Error response mapping

This drastically reduces engineering time and avoids integration errors.

5. Integration With Existing Fintech Platforms

Already have a product? We can integrate PaySense loan service into:

• Lending apps (iOS/Android)

• Web dashboards

• CRM systems

• NBFC backend infrastructure

• Cloud-based fintech engines

How PaySense API Integration Works

1. Authentication Setup

Secure your tokens, environment configs, and tenant keys.

2. Borrower Creation

Create a borrower profile using KYC + basic details.

3. Eligibility & Credit Assessment API Calls

Trigger eligibility checks and fetch PaySense responses.

4. Document Upload Workflow

PAN, Aadhaar, bank statements, income proofs, etc.

5. Loan Proposal & Approval Logic

Build your approval engine with PaySense scoring inputs.

6. Disbursement Trigger

Push loan disbursal events through mapped banking APIs.

import axios from "axios";

const PAY_SENSE_BASE_URL = "https://api.paysense.in/v1";
const API_KEY = process.env.PAYSENSE_API_KEY;

// Create Borrower
export const createBorrower = async (payload) => {
  try {
    const res = await axios.post(
      `${PAY_SENSE_BASE_URL}/borrowers`,
      payload,
      {
        headers: {
          "x-api-key": API_KEY,
          "Content-Type": "application/json",
        },
      }
    );
    return res.data;
  } catch (err) {
    console.error("Borrower creation failed:", err.response?.data || err);
    throw err;
  }
};

// Check Loan Eligibility
export const checkEligibility = async (borrowerId) => {
  try {
    const res = await axios.get(
      `${PAY_SENSE_BASE_URL}/borrowers/${borrowerId}/eligibility`,
      { headers: { "x-api-key": API_KEY } }
    );
    return res.data;
  } catch (err) {
    console.error("Eligibility check failed:", err.response?.data || err);
    throw err;
  }
};

Why FintegrationFS?

We are India’s most specialized fintech development studio with deep experience in:

• Loan origination & loan servicing engines

• API integrations for NBFCs & lending apps

• Risk scoring workflows

• Regulatory-compliant data storage

• Cloud-native, scalable architecture

With 100+ fintech builds delivered, we understand the technical, compliance, and operational nuances better than anyone.

FAQ

1. What is PaySense API Integration?

It is the process of connecting PaySense’s personal loan services to your fintech platform, enabling automated underwriting, eligibility checks, and loan disbursal.

2. How long does it take to integrate PaySense?

A basic integration takes 2–3 weeks. A full LOS + LMS build may take 6–12 weeks.

3. Do you support custom loan products?

Yes. We help you configure eligibility rules, interest logic, repayment models, and risk parameters.

4. Can you integrate PaySense with an existing app?

Absolutely. We plug PaySense APIs into web apps, mobile apps, CRMs, or NBFC back offices.

5. Does FintegrationFS handle API security and compliance?

Yes — we follow JWT, AES encryption, SOC2, RBI-compliant flows, audit logs, and secure cloud deployment.