Live & ActiveFintech & Developer APIs0% Transaction Fee (Zero MDR)

UPI Gateway.dev

upigateway.dev

0% Fee UPI Payment Gateway API & Instant Direct Bank Settlement

Launch UPI Gateway.dev All Ventures

0% Zero Fee

MDR Transaction Fee

0-Second Instant

Settlement Speed

All UPI Apps

App Compatibility

5 Minutes

Integration Time

Platform Overview

What is UPI Gateway.dev & How Does It Work?

UPI Gateway.dev eliminates predatory 2-3% merchant gateway fees and multi-day settlement holds. Engineered for Indian developers, startups, and e-commerce stores, it dynamically routes payments from Google Pay, PhonePe, Paytm, and BHIM directly into the merchant's primary bank account with instant automated webhook verification.

Key Features & Capabilities

0% Transaction Fee (Zero MDR)

Fintech

Save thousands every month by bypassing standard 2-3% gateway deductions.

0-Second Direct Bank Settlement

Instant

Funds settle directly into your primary bank account the second the customer scans and pays.

Dynamic Amount-Locked UPI QR

API

Generates custom QR codes and deep links with exact pre-filled order amounts to prevent payment errors.

Universal App Support

Coverage

Fully compatible with Google Pay, PhonePe, Paytm, BHIM UPI, Amazon Pay, CRED, and banking apps.

Real-Time Server Webhooks

Security

Receive instant server-to-server transaction status callbacks with cryptographic token verification.

Plug-and-Play PHP & WooCommerce SDK

Developer

Ready-to-use drop-in code for PHP websites, WordPress/WooCommerce, Python, and Node.js.

Developer REST API Endpoints

Interactive API Docs

POSThttps://upigateway.dev/api/create-order

Generates a dynamic UPI checkout URL and payment QR code.

Sample Request Payload

{
  "user_token": "sk_live_merchant_token",
  "amount": "149",
  "order_id": "ORDER_92812",
  "customer_mobile": "9876543210",
  "redirect_url": "https://yourwebsite.com/payment-callback",
  "remark1": "Pro SaaS Subscription"
}

Sample JSON Response

{
  "status": true,
  "msg": "Order Created Successfully",
  "order_id": "ORDER_92812",
  "payment_url": "https://upigateway.dev/pay/ORDER_92812",
  "upi_qr_url": "https://upigateway.dev/qr/ORDER_92812.png"
}

Architecture & Tech Stack

Node.jsPHPTypeScriptExpressRESTful APIsTLS 1.3 Encryption

Live Destination

Access the official live production web application deployed on high-speed cloud infrastructure.

Visit upigateway.dev

Frequently Asked Questions

No. UPI Gateway.dev operates on a 0% MDR model. 100% of the customer's payment goes directly into your bank account.

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