Routing-only platform

Pick the right MID. You keep the charge.

SwcPay is a production routing engine for merchants who already have Razorpay, PayU, Cashfree, PhonePe, Easebuzz, and more. We decide the gateway. You execute on your own keys. No KYC. No settlement in the middle.

Open dashboard Merchant docs

Decide APIPOST /api/v1/routing/decide

Fail closed503 if the hot path is down

IST limitsCalendar day Asia/Kolkata

DECIDE ORD-10021 · ₹150.00 · UPI_INTENT ROUTED

PAYU-PRIMARY
daily limit 82%

excluded

RAZORPAY-PRIMARY
share 40% · SR 97.4%

selected

CASHFREE-BACKUP
share 25% · healthy

eligible

→ gatewayProvidedMid acc_MZ9k… · you charge the customer

What you get

Routing intelligence. Not another PSP.

Keep your gateway contracts, pricing, and settlement. SwcPay sits in front of them and chooses the live MID for each pay-in or payout.

Intelligent routing

Weighted share, success-rate floor, TPS caps, and circuit breakers on every decide.

Daily limits

Stop a MID at its calendar-day volume (Asia/Kolkata) before the PSP does it for you.

Abuse filters

Same-user → same-MID repeats, same-amount cooldown, and anti-concentration when ops enable them.

Failover hint

If your PSP call never left, decide again with that gateway in excludedGateways.

Outcome learning

Report SUCCESS / FAILED / TIMEOUT so the next decision sees real health, not guesses.

No KYC on this plan

Routing-only accounts skip KYC. SwcPay still reviews and activates the merchant.

How it works

Four calls. Money never hits SwcPay.

1

Decide

Your server posts amount, method, and payer identity. SwcPay returns gateway + MID.
2

Collect on your PSP

Initiate with your own keys on selectedGateway and gatewayProvidedMid.
3

Your webhooks

The PSP talks to you. SwcPay does not take payment webhooks on this plan.
4

Report outcome

POST the decision id with SUCCESS, FAILED, or TIMEOUT so circuits and SR stay honest.

POST /api/v1/routing/decide200 ROUTED

# you charge RAZORPAY with acc_MZ9k…
{
  "decision": "ROUTED",
  "selectedGateway": "RAZORPAY",
  "gatewayProvidedMid": "acc_MZ9k…",
  "internalMid": "GW-AB12CD3-01",
  "decisionId": "b3f1c2a0-…"
}

HTTP 422 means do not collect. HTTP 503 means the engine failed closed — do not pick a random gateway.

Hosts

Website, dashboard, and API.

Bind your DNS to these names. The marketing site is this page. The console issues keys. The API is server-to-server only.

Website swcindia.online

Dashboard dashboard.swcindia.online

API api-collections.swcindia.online

	Routing-only	Full-platform
Who charges the customer	You	SwcPay
KYC	Not required	Required before activation
API	`/api/v1/routing/**`	Payments, UPI, refunds, webhooks + routing
Settlement	Your PSP	SwcPay ledger + recon

Go live

Issue a key and route the next pay-in.

Sign in to the merchant dashboard, create an API key, and call decide from your server. Secrets are shown once. Never put them in a browser app.