Bank-agnostic rails
One integration reaches every sponsor bank. If a rail degrades, traffic shifts automatically without code changes.
Banking
RubixSwitch
An intelligent banking switch that automates collections, payouts, reconciliation and invoicing across multiple partner banks through one scalable API.
What you get
- Multi-bank payouts over IMPS, NEFT, RTGS & UPI
- Auto-reconciliation with virtual accounts
- Smart invoicing, billing and ledgers
- Connected banking for enterprise finance teams
- Payout success rate
- 99.98%Payout success rate
- Bank integrations
- 18Bank integrations
- Median API latency
- <400msMedian API latency
POST /v1/payouts
{
"beneficiary": "acc_9f2c41",
"amount": 124500,
"currency": "INR",
"rail": "IMPS",
"idempotency_key": "po_8812"
}Sandbox keys in minutes200 OK · 84ms
Capabilities
Virtual account collections
Issue unlimited virtual accounts per customer and match inbound credits to invoices the moment they land.
Ledger of record
Double-entry ledgers expose balances, holds and settlements so finance never reconciles from spreadsheets again.
Approval controls
Maker-checker workflows, per-user limits and IP allowlists protect high-value disbursal queues.
How it works
- 01
Connect
Generate sandbox keys and map your entity structure to RubixPe accounts.
- 02
Fund
Load a pooled account or link connected banking with your existing bank.
- 03
Disburse
Call one payout endpoint and let the switch choose the optimal rail.
- 04
Reconcile
Consume webhooks and end-of-day files that already balance to the rupee.
Frequently asked questions
Do we need a new bank relationship?+
No. RubixSwitch works with your existing bank through connected banking, or with a RubixPe sponsor bank if you prefer a pooled model.
How are failed payouts handled?+
Failures return a normalised reason code, funds are auto-reversed to your pool, and retries respect your idempotency key.
Is bulk disbursal supported?+
Yes. Batch files and the bulk API both support up to 50,000 beneficiaries per request with per-row status reporting.
Start building with RubixSwitch
Tell us about your flow of funds and we will provision a sandbox with sample data the same day.