Frequently asked questions

A package-based UPI payment gateway: connect your own UPI or gateway account, accept payments by QR, UPI apps and payment links, and get confirmations, webhooks and reports in one panel.

Online shops, websites, apps, service businesses, tuition classes, clubs and shops that want to accept UPI payments, from very small sellers to growing businesses.

No. You can create payment links and share them by WhatsApp, SMS or email, or print a QR code. A website or app is only needed if you want to integrate the API.

Yes. The Free package has no price, no transaction charges and no GST. Other packages add higher limits and extra features.

Any UPI app: PhonePe, Google Pay, Paytm, BHIM, bank apps and others. Customers scan the QR code or tap an app button on their phone.

PhonePe (the default), Paytm, Razorpay and Cashfree, plus Direct UPI for any UPI ID with UTR confirmation.

Staging is for testing with test credentials or the built-in simulator, and has no charges. Live takes real money. Data, keys and accounts are separate for each mode.

You can take a test payment in a few minutes. Going live depends on connecting your provider account and, if the platform requires it, account approval or identity verification.

Yes. Create a reusable payment link, print its QR code for the counter, or use Direct UPI with your shop UPI ID.

The checkout always shows your business name. Packages with branding also show your logo and brand colour.

Use the contact page or the support section in your panel, if available. Include the payment ID or order ID for questions about a payment.

They open the checkout, scan the QR code or tap their UPI app, approve the payment with their UPI PIN in their own app, and are returned to your site.

Its status becomes Success in Transactions, you receive a payment.success webhook if you set one up, and the customer sees a confirmation.

No. Screenshots can be edited. Only ship or deliver when the payment shows Success in your panel or your webhook confirms it.

The 12-digit reference number of a UPI transaction. It is used to find and confirm a payment, especially with Direct UPI.

The bank has not given a final answer yet, or a Direct UPI UTR is waiting for your confirmation. Pending payments are checked automatically every minute.

The checkout stays open for the time set by the platform. After that the payment expires and a new one must be created.

The smallest UPI payment is ₹1. The largest depends on UPI rules, your bank and your package limits.

With a dynamic QR the amount is fixed. Gateway-confirmed payments are only accepted when the amount reported by the provider matches the order.

No. Each UTR can confirm only one payment, which stops customers reusing an old transaction.

If your package includes smart routing, the next active account by priority is tried automatically. Otherwise the payment cannot start until the account works again.

A charge on each successful live payment, set by your package: a percent of the amount, a fixed amount, or both, with an optional maximum. Many packages have none.

GST, where a package has it, is charged only on the transaction charges, not on the payment amount. Package purchases may also carry GST as set by the platform.

From your prepaid wallet, when each live payment succeeds. Customers pay you directly, so charges cannot be deducted from the payment itself.

No. Staging payments never have transaction charges and do not count towards your package limits.

New live payments that would have charges are refused until you top up. You are emailed when the balance drops below the low-balance level.

Open Package & usage, choose a package and pay from your wallet or by UPI. It starts as soon as the payment succeeds.

You get a reminder first. With auto-renew and enough wallet balance it renews automatically; otherwise you move to the default package after any grace days.

Yes. An invoice is created for every package purchase, renewal and wallet top-up. Find them under Invoices.

Payments per day and month, amount per day and month, smallest and largest payment, and the number of UPI accounts, API keys and active payment links.

Unused balance stays in your wallet for future charges. Ask the platform about its policy for any other request.

Straight into the UPI or gateway account you connected. Settlement times are set by your provider and bank, not by this panel.

Yes, if refunds are in your package. Refund the full amount or part of it from the payment page or by API.

Usually a few working days, depending on the provider and the customer's bank. The status updates automatically.

Direct UPI has no provider API, so send the money back from your own UPI app and record the refund in the panel.

If the platform returns fees on full refunds, the charges and GST are credited back to your wallet. Partial refunds do not return charges.

Yes, a REST API with live and staging keys, a hosted checkout, signed webhooks, API logs and a PHP SDK.

Use staging mode with a sk_test_ key and the simulator or your provider's test credentials. Simulate both success and failure.

No. Use the signed webhook (or check the order status from your server). The return page can be closed or skipped by the customer.

Deliveries are retried automatically with increasing gaps, and you can retry any delivery from Developers › Webhooks.

Compute an HMAC-SHA256 of timestamp.body with your signing secret and compare it with the signature header in constant time.

Sending the same order_id and amount again returns the existing order, so retries are safe. A different amount with the same order_id is refused.

Yes, a limit of requests per minute per API key set by the platform. Slow down and retry when you receive 429.

Yes, when your package includes the IP whitelist you can limit keys to your server's IP addresses.

Use a strong unique password, turn on two-step verification and never share your API keys.

Choose Forgot password on the sign-in page and follow the email link within 60 minutes.

No. Customers enter their UPI PIN only in their own UPI app. UPI PINs, card numbers and bank passwords never pass through this panel.

They are stored encrypted and are never shown again after saving, not even to you.

Some platforms require approved KYC before live payments, to meet their providers' and regulatory requirements.

Use Privacy & data in your account menu, if available, or contact support. Some records may be kept where the law requires.