What is UPIGateway.dev?

UPIGateway.dev is a developer-friendly UPI payment automation tool and technical service utility in India that allows businesses and websites to automate direct UPI collections straight into their bank accounts at 0% transaction fees.

How does non-custodial instant settlement work?

Payments made by customers via Google Pay, PhonePe, Paytm, or BHIM go directly to your linked bank account or UPI VPA with 0-second instant settlement. UPIGateway.dev never holds or aggregates merchant funds in an intermediary escrow.

How do I integrate UPIGateway.dev in PHP or WooCommerce?

You can integrate UPIGateway.dev in under 5 minutes using our simple REST API endpoints, ready-made PHP SDK, or plug-and-play WooCommerce plugin.

Are there any transaction fees or hidden charges?

No, UPIGateway.dev charges 0% transaction fees on all UPI transactions.

Direct-to-Bank UPI Economics for Startups

UPI has become the default payment channel for online shoppers across India. For small business owners, agencies, and indie developers, transaction fees and multi-day settlement cycles from traditional aggregators can erode profit margins and introduce operational friction.

Traditional Gateway MDR vs Flat Subscription

Standard payment gateways charge an average merchant discount rate (MDR) of 2% plus 18% GST on each transaction. A business processing Rs 5,00,000 per month pays approximately Rs 11,800 monthly in payment processing fees. Over the course of a year, that represents Rs 1,41,600 deducted from gross revenue.

UPIGateway.dev replaces per-transaction percentage fees with a predictable flat subscription model starting at Rs 299 per month. Funds settle directly between bank accounts without passing through a platform wallet or escrow account.

Core Platform Capabilities

0% transaction deduction on domestic UPI peer-to-peer payments
Direct settlement — customer funds route straight to your bank account
Multi-gateway profile support — connect Paytm, PhonePe, BharatPe, or Google Pay Business
Automated capture — real-time verification via merchant APIs and IMAP notification listener
Anti-replay protection — prevents double-spending and duplicate UTR submission
Built-in hosted checkout, payment links generator, and digital storefront

How Direct UPI Routing Operates

When a customer initiates a payment on your hosted checkout, UPIGateway.dev generates an intent link containing your verified UPI ID as the payee. Once the customer authorizes the transaction in their UPI app, the platform's verification worker detects the credit confirmation and marks the order as SUCCESS, firing the corresponding webhook to your backend.

Transparent Pricing Tiers

Growth / Pro — Rs 299/mo (Quarterly: Rs 799, Yearly: Rs 2,800) — Best for growing digital stores up to Rs 50,000 monthly volume
Business Plus — Rs 600/mo (Quarterly: Rs 1,599, Yearly: Rs 5,700) — Unlimited monthly volume, up to 100 links, 15 storefront items
Enterprise — Rs 999/mo (Quarterly: Rs 2,699, Yearly: Rs 9,999) — Unlimited everything, white-labeled mobile app build, dedicated support