Financial Infrastructure for Applications, Platforms and Businesses
SGCPAY provides technology that can be integrated into third-party websites, applications and operational systems.
Build with SGCPAY
- REST APIs
- Webhooks
- SDKs
- Merchant APIs
- Banking APIs
- Wallet APIs
- Treasury APIs
- Payment APIs
- Account APIs
- Transaction-status APIs
- Sandbox environment
- API documentation
{
"amount": "250.00",
"currency": "USDT",
"network": "volrex",
"reference": "INV-1042"
}
→ 201 { "status": "pending_settlement" }
Launch financial products on SGCPAY rails
Businesses may use SGCPAY infrastructure to develop:
- Digital account experiences
- Payment applications
- Merchant platforms
- Remittance services
- Wallet functionality
- Marketplace payments
- Supplier-payment systems
- Payroll platforms
- Cross-border financial products
- Blockchain-enabled applications
Build and Test Before You Go Live
The SGCPAY Sandbox is a secure development and testing environment that enables developers, financial institutions, merchants, fintech companies and partners to build, test and validate integrations before deploying to production. The sandbox mirrors the production platform using simulated data and services, so applications can be developed without affecting live transactions.
- Accelerate partner onboarding
- Simplify API integration
- Support application development and testing
- Validate payment workflows
- Reduce deployment risks
- Enable innovation through open APIs
- Simulated digital wallets
- Test merchant accounts
- Virtual payment transactions
- QR code payment testing
- CBDC transaction simulation
- Stablecoin & digital-asset testing
- Identity verification simulation
- KYC/AML workflow testing
- Smart contract execution
- Settlement simulation
- Webhook testing
- API performance testing
- Error & exception simulation
Every capability, exposed as an API
Authentication APIs
Secure access using OAuth 2.0, API Keys and JWT.
- User & merchant authentication
- Token generation & refresh
- Session validation
- Multi-factor authentication
Wallet APIs
Manage digital wallets and balances.
- Create wallet · wallet information
- Balance, history, status & limits
- Wallet freeze / unfreeze
Payment APIs
Initiate, authorize, capture, confirm, cancel, refund, schedule and recur.
- Methods: CBDC, bank transfers, cards
- QR payments & mobile wallets
- Stablecoins & digital assets
Merchant APIs
Enable merchant integration.
- Registration & verification
- Store management & POS integration
- QR generation, collection, settlement status, analytics
CBDC APIs
Central bank digital currency transactions.
- CBDC wallet creation & balance inquiry
- Transfer, payment, settlement & redemption
- Transaction history & cross-border settlement
Identity APIs
Digital identity management.
- Customer registration & profiles
- Identity, biometric & document verification
- Digital identity lookup
KYC & AML APIs
Compliance and risk management.
- KYC verification & AML screening
- Sanctions & PEP screening, risk scoring
- Transaction monitoring & compliance reporting
Smart Contract APIs
Programmable financial services.
- Create & execute contracts
- Escrow & conditional payments
- Automated settlement & trade-finance automation
Settlement APIs
Real-time settlement services.
- Initiation, status & reports
- Net & gross settlement
- Cross-border settlement
Notification APIs
Real-time event notifications.
- SMS, email & push
- Webhooks
- In-app notifications
Reporting APIs
Business intelligence and reporting.
- Transaction, settlement, wallet & merchant reports
- Audit & compliance reports
- Financial statements
Everything an integrator needs
- API documentation
- Interactive API explorer
- SDK downloads
- Code samples
- Sandbox credentials
- API version management
- Testing console
- Webhook simulator
- Release notes
- Developer support
Integration methods
- REST APIs
- GraphQL APIs
- Webhooks
- Event streaming
- ISO 20022 messaging
- Open banking APIs
- SDKs: Java, .NET, Python, Node.js, Go, PHP
- Mobile SDKs: Android & iOS
Secured at every layer
- OAuth 2.0 authorization
- OpenID Connect (OIDC)
- JWT access tokens
- API keys
- TLS 1.3 encryption
- Mutual TLS (mTLS)
- Role-based access control
- IP whitelisting
- Rate limiting
- API gateway security
- Request signing
- Audit logging
Supported use cases
- Consumer payments
- Merchant acquiring
- E-commerce checkout
- QR code payments
- CBDC transactions
- Cross-border payments
- Government disbursements
- Payroll & bill payments
- Subscription services
- Digital identity verification
- Supply chain & trade finance
- Loyalty, rewards & tokenized assets
From registration to go-live
Benefits
- Faster partner onboarding
- Reduced integration time
- Safe testing, no live impact
- Simplified certification
- Improved API reliability
- Enhanced security validation
- Lower implementation costs
- Accelerated innovation
- Fintech & banking ecosystem support
- Seamless sandbox-to-production migration
The SGCPAY Sandbox and API Platform empowers developers and ecosystem partners to rapidly build, test and deploy secure digital payment solutions. Through comprehensive APIs, a production-like sandbox environment and robust security standards, SGCPAY enables seamless integration of wallets, CBDCs, merchant services, digital identity, compliance and cross-border payments — fostering innovation while ensuring reliability, interoperability and regulatory compliance.