Accept instant UPI payments directly into your bank account with zero transaction processing fees, no merchant key requirements, and immediate settlements for Indian merchants, PHP websites, and web developers.
UPI Gateway is a high-performance, secure, and modern payment routing utility engineered specifically for Indian businesses, PHP web developers, startup founders, and e-commerce stores. By leveraging our direct peer-to-peer (P2P) UPI payment API, you can accept payments seamlessly from customers using any Unified Payments Interface application in India—including Google Pay, PhonePe, Paytm, BHIM UPI, Amazon Pay, and all major Indian banking applications—directly into your primary bank account. Our platform operates with zero middleman escrow, zero transaction fees, and instant direct bank settlement.
When a customer places an order on your PHP website, Android app, or digital store, our API generates a dynamic UPI QR code or payment intent link populated with the exact transaction amount and unique order ID. When the customer completes the payment through their preferred UPI mobile application, the money is instantly deposited directly into your bank account. Our background verification engine monitors bank transaction status in real-time and triggers secure webhooks to automatically confirm the order on your platform. Explore complete guidelines in our Terms of Service and Privacy Policy.
UPI Gateway provides full compatibility with all Unified Payments Interface (UPI) applications across India, including PhonePe, Google Pay (GPay), Paytm, BHIM UPI, Paytm Payments Bank, Amazon Pay UPI, CRED, Mobikwik, and all Indian bank UPI apps (SBI YONO, HDFC PayZapp, ICICI iMobile, Axis Pay, Bank of Baroda). Learn more on the NPCI Official Unified Payments Interface Specification.
Traditional payment gateways charge hefty 2% to 3% processing fees on every order and hold your funds in escrow for multiple days. With UPI Gateway, you eliminate merchant processing fees entirely, retain 100% of your earnings, and receive instant money transfers into your account. Our platform offers lightweight integration SDKs, live transaction monitoring, instant payment links, and hosted digital storefronts to help Indian businesses grow rapidly.
Need assistance or custom integrations? Get in Touch with Support or sign up now at Merchant Registration.
Our infrastructure is designed for low latency, high concurrency, and zero transaction drops. When a buyer initiates payment, our server constructs a cryptographic payload containing your Virtual Payment Address (VPA), order reference string, and exact rupees amount. This payload is passed via native deep links to client UPI apps or rendered as a high-contrast dynamic QR code. Once the customer completes PIN authorization, funds travel directly through the National Payments Corporation of India (NPCI) network to your linked commercial bank account. Our background workers receive verification signals within milliseconds and emit signed JSON webhooks directly to your endpoint.
Unlike legacy aggregators charging 2% to 3% per transaction, UPI Gateway routes payments directly between customer mobile apps and merchant bank accounts using P2P protocols without escrow intermediation.
Yes! Our gateway provides a lightweight REST API that works seamlessly with PHP, Node.js, Python, Laravel, WordPress, and custom HTML/JS applications.
No. Our gateway is engineered for indie developers, freelancers, and growing merchants to accept online UPI payments immediately without waiting weeks for merchant approval keys.
Payout settlement occurs in 0 seconds (instant settlement). Money lands directly in your primary bank account as soon as the customer authorizes payment in their UPI app.