面向即时放款、UPI 支付与商户结算的合规协议分析与可运行 API 交付（支持 NBFC 对接）。
对接放款、回收、UPI 支付与商户收单，交付经过测试的 API、OpenAPI 文档与示例源码（Node/Python）。我们同时支持与 RBI 注册的 NBFC 合作方对接与合规建议。
POST /api/v1/ring/loans/disburse
Content-Type: application/json
Authorization: Bearer <INTEGRATION_TOKEN>
{
"customer_id": "CUST12345",
"sanction_id": "SANCT-7890",
"amount": 60000.00,
"bank_account": {
"ifsc": "HDFC0001234",
"account_no": "XXXXXXXX1234",
"beneficiary_name": "RAHUL K"
},
"disburse_mode": "NEFT",
"nbfc_partner": "Si-Creva Capital"
}
Response: {
"status":"OK",
"disburse_id":"DISB-20251001-001",
"scheduled_at":"2025-10-01T10:00:00Z"
}
1) 发起支付（服务器端）
POST /api/v1/ring/upi/pay
{
"amount": 1500.00,
"vpa": "merchant@upi",
"txn_ref": "TXN-98765",
"callback_url": "https://yourhost.com/webhook/upi"
}
2) 回调示例（UPI 网关 -> 您的回调）
POST /webhook/upi
{
"txn_ref":"TXN-98765",
"status":"SUCCESS",
"upi_txn_id":"UPI20251001XYZ",
"amount":1500.00
}
我们交付的代码遵循安全最佳实践：TLS 1.2/1.3、签名回调、请求速率限制、细粒度权限控制（OAuth2 / JWT）、敏感字段加密与环境变量管理。
交付后我们支持 7 天基础技术支持，支持按月维护合同与安全审计服务。
我们是一家专注于 App 协议分析与授权 API 集成的技术工作室，团队成员来自金融科技、支付网关与云安全背景，擅长将移动 App 的能力（如放款、UPI、对账）转化为合规的后端接口与 SDK。
Are you looking for a loan app that offers instant cash loans and smooth UPI transactions? Check out RING, a trusted loan app packed with everything you need from instant loan approvals to seamless UPI payments! Pay anytime & anywhere with RING UPI now!💸 Customers can avail of loans up to Rs. 5 lakhs with quick and paperless KYC in under 5 minutes! Unlock higher pre-approved loans on timely repayment. 💰 With RING UPI, you can conveniently send money to any mobile number or bank account. Our Offerings 🌟 Fast Payment With RING UPI. Transfer funds directly from your bank account with ease. Pay any merchant, anytime using any UPI QR Code! Zero documentation, quick disbursal and lower interest rates ⚡Effortless Instant Loan Approval- Get a quick loan up to Rs. 5 lakhs in just 5 mins through RING's instant loan paperless KYC process. Example of Unsecured Personal Loan Loan amount (Sanctioned): ₹ 60,000. Tenure: 18 months. Interest Rate: 33% per annum. Processing Fee (incl. GST): ₹ 4,248. Total Interest: ₹ 16,858. EMI: ₹ 4,271. APR: 44 %. Sanctioned Loan amount is ₹ 60,000. Net Disbursed amount is ₹ 55,752. Total loan repayment amount is ₹ 76,858. Total Cost of the Loan = Interest Amount + Processing Fees = ₹16,858 + ₹4,248 = ₹21,106. We work with RBI-registered NBFCs such as: 1. Si-Creva Capital Services Pvt. Ltd. 2. Northern Arc 3. MAS Financial Services Ltd. Features That Make RING Your Go-To Lending Option! 📲 Direct Deposit - Get the RING Power Loan, up to ₹5,00,000, deposited straight into your bank account in a flash. 💸 Affordable Rates - Our interest rates go up to 33%, with APR ranging from 32% to 63%. 📥Flexible & Quick Loan Repayment: With our quick loan app, you can enjoy flexible instant loan repayment tenure from 3 months to 60 months 🔐Prioritize security: Ring follows all the RBI guidelines to ensure you can get instant cash loans, personal loans & more with peace of mind. 🤝 Become A RING Merchant - Partner with our personal loan app, also a trusted payment solution for over 10 lakh businesses, to streamline your payment process. Use our power loan app to build strong customer relationships, experience rapid settlements, enjoy rewards & cashbacks. Upgrade your business today with the RING safe loan app. Why choose RING? ● Super quick approval with RING Power Loan ● Flexible repayment on personal loans ● Instant loan disbursement ● Ditch the paperwork with our safe loan app ● We work with RBI-registered NBFCs ● Transparent terms and zero hidden costs on instant loans Start your Journey 1️⃣ Download the Ring instant loan app 2️⃣ Register with ease 3️⃣ Experience financial freedom with transparent, quick loan options Why Borrow An Instant Loan Through Ring? At RING we care about the safety and well-being of our customers. Our collection processes follow RBI guidelines and reflect our values of empathy and courtesy. Also, we follow strict guidelines for customer service - ● We use registered landline lines to communicate with customers ● We never use personal cell phones, international numbers, or VoIP conversations ● We never ask customers to make payments into personal or private bank accounts. Payments are only accepted on our personal loan app. ● Our loan app cannot access your contact list and other sensitive information without your consent. Contact Us In case you have faced any of the above-mentioned situations, do this: 1. Write to care@pay-with-ring.com OR call our customer care number on 08044745880 / 08062816300. 2. Share with us a screenshot or recording of the message or call. Address: Office units 2, 3, and 4, 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West), Mumbai -400070, Maharashtra, India. Disclaimer: The application is SSL-certified, and all transactions are 100% safe & secure. Ready to chase your dreams with our instant loans? Download the RING quick loan app today!