PhonePey - Ultimate UPI Gateway [LATEST EDITION] — Full Features
Explore the complete technical breakdown, modules, security layers, and developer capabilities included with this package.
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💎0% Transaction Commission (Direct Bank Settlement):** N...
💎0% Transaction Commission (Direct Bank Settlement):** No middlemen or aggregator fees (Razorpay/Cashfree 2% cut awm lo). Money goes straight to the merchant's bank account via UPI.
📱 Hero QR Code Scanner Centerpiece
** NPCI-compliant dynamic QR code generator with live scanning laser animation, center logo overlay, and 10-minute live session timer.
🤖 Automated Real-Time IMAP UTR Listener
** Automatically detects incoming bank/PhonePe emails in the background and verifies payments in 2-3 seconds without manual intervention.
🏢 Multi-Merchant SaaS & Subscription Billing
** Built-in plan manager (Free Trial, Pro, Business tiers) with automated validity countdowns and plan upgrade systems.
📲 WhatsApp API (wapi.lushai.dev) & Pure SMTP Mailer:** A...
📲 WhatsApp API (wapi.lushai.dev) & Pure SMTP Mailer:** Automated WhatsApp alerts and branded HTML email receipts for captured payments and subscription renewals.
🛠️ Developer-Ready REST API & Embeddable SDK
** Complete API specifications, webhook dispatch with signature verification, and embeddable checkout (`embed=1`) for external websites/apps.
🎨 Ultra-Premium PhonePe-Inspired Design
** Beautiful glassmorphic UI, responsive across Desktop, Tablet, and Mobile devices with confetti explosion and authentic success sound chime.
🔒 **Enterprise-Grade Security
** CSRF protection tokens, strict PDO prepared statements, BCRYPT password hashing, KYC verification documents, and comprehensive Admin privilege security.
⚡ **Zero Heavy Dependencies
** Lightweight Pure PHP architecture. Runs smoothly on any standard cPanel, Hostinger, Apache, or XAMPP hosting.
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