UPI Payout API Solution

I need a reliable UPI payout API so I can credit customer cashback directly from my platform. Because my business is a sole-proprietorship, most providers have declined to onboard me, so I’m open to two possible routes:

• You secure an API under my proprietorship by guiding the entire KYC / onboarding process, or
• We use your existing payout setup and I pre-fund the account, paying you an agreed service fee on every run.

Whichever route works best, the end result must let my backend trigger real-time UPI payments programmatically. REST or JSON endpoints are fine, as long as I can hit them from my Node/Express stack. Please include:
1. Sandbox credentials for test runs
2. Production credentials once live funds are ready
3. Clear API docs (auth flow, payout request, status callback, error codes)
4. Help during integration until my test suite passes and actual cashbacks reach customer UPI IDs without failure

Primary use: Customer Cashback
Integration: Yes — it plugs straight into my own backend.

I’m happy to discuss fee structure, daily limits, or any compliance paperwork you’ll need from me. Once we agree, I’ll top up the float in advance so you’re never out of pocket.