Collect payments by UPI
Create a UPI QR code or a payment link for each order. Your customer pays from any UPI app, and you're told the moment it lands, with the bank reference (UTR) to match it.
Regulated in multiple jurisdictions
Collect by UPI. Pay out in seconds.
Accept payments by UPI QR and payment links, pay out by IMPS, NEFT, RTGS and UPI, and move USDT on-chain. One API, one dashboard, and a bank reference on every payment.
Payin balance₹12,84,350.00
Payout balance ₹6,40,000
| Transaction | Method | Amount | Status |
|---|---|---|---|
| Payin, order 9876UTR 4127 8830 1942 | UPI QR | ₹2,499.00 | Success |
| Payout to Sample payee AHDFC0001234 | IMPS | ₹25,000.00 | Success |
| USDT collectionTRC20 | USDT | 500.00 USDT | Confirming |
| Bulk payout, 1,000 rowspayouts-oct.csv | NEFT | ₹18,40,000.00 | 996 paid |
Collect and pay by
- UPI QR
- Payment links
- IMPS
- NEFT
- RTGS
- UPI
- USDT on TRON
- USDT on Ethereum
Money in and money out
Pay anyone in India
Send money to any bank account by IMPS, NEFT or RTGS, or to any UPI ID. Pay one person or upload a file of up to 1,000 payouts at a time.
Everything you need to move money
One merchant account with separate payin, payout and USDT balances, the same dashboard and API for all of them, and reports you can export.
UPI QR payins
Generate a QR for any amount by API or from the dashboard. The customer scans it with any UPI app, and the payment is confirmed with its UTR.
Payment links
Send a customer a link to pay. It opens a payment page on their phone, so you can collect without building a checkout.
Bank and UPI payouts
Pay any bank account by IMPS, NEFT or RTGS, or any UPI ID. Every completed payout comes back with its bank reference.
Bulk payouts
Upload a CSV of up to 1,000 payouts from our template. Each row gets its own result, and we warn you about likely duplicates before they're sent.
Bank account verification
Look up the account holder's name for an account number and IFSC before you send, so money doesn't go to the wrong person.
USDT collection and payouts
Collect USDT to a dedicated address with a QR code, watched on-chain until it's confirmed, and pay out USDT on TRON (TRC20) or Ethereum (ERC20).
How a payment moves
From your customer's UPI app to your balance, and out again to the people you pay.
- 1
Create the payment
Call the API, or generate a QR or payment link in the dashboard, for the amount and your own order reference.
- 2
Your customer pays
They scan the QR or open the link and pay from any UPI app.
- 3
You're notified
A signed webhook tells your server the result, with the bank reference, and the dashboard updates.
- 4
Funds ready to use
The amount, after our charge, lands in your payin balance, ready to settle or pay out.
A payments API your team can ship in a day
A small REST API: one call to collect, one to pay out, one to check any transaction. Test everything in the sandbox before real money moves.
- Sandbox keysTest keys simulate every outcome without touching a bank or a blockchain.
- No duplicate chargesSend your own reference with each request. A retry with the same reference returns the original instead of creating a second one.
- Signed webhooksResults reach your server signed with your webhook secret, and a delivery log shows every attempt.
Collect by UPIPOST /payins
curl https://api.paywise247.com/payins \
-H "x-api-key: sk_test_…" \
-H "Content-Type: application/json" \
-d '{
"amount": 2499,
"currency": "INR",
"method": "upi",
"merchant_ref_id": "order-9876"
}'201"reference_id": "REF0001234", "status": "pending", "checkout_url": "https://…"
Security and compliance
Paywise is regulated in multiple jurisdictions. These are the controls built into every account.
IP allowlist
The API only accepts calls from the server addresses you register. It's required for every account.
Keys stored as hashes
We never store your API key in plain text. A new key is shown once, and reissuing it switches off the old one at once.
Signed webhooks
Every notification is signed with your secret, so your server can tell it really came from us.
Fraud blocklists
Block specific UPI IDs and IFSC codes yourself. Anything on your list is rejected before it's processed.
Recipient checks
Verify an account holder's name before money is sent.
Two-factor sign-in
Protect dashboard accounts with an authenticator app code.
Common questions
How do my customers pay?
By UPI. You give them a QR code or a payment link, and they pay from whichever UPI app they use.
How do I know a payment arrived?
A signed webhook tells your server as soon as the payment succeeds or fails, with the bank reference (UTR). You can also look up any transaction in the dashboard or through the API.
Which payout methods can I use?
IMPS, NEFT and RTGS to bank accounts, and UPI to UPI IDs, one at a time or in bulk files of up to 1,000 payouts.
Can I test before going live?
Yes. Your account comes with sandbox keys that simulate every outcome, so you can build and test your integration before real money moves.
Which crypto networks do you support?
USDT on TRON (TRC20) and Ethereum (ERC20), for both collection and payouts.
When can I use the money I collect?
Our charge is taken when the payment succeeds, and the rest goes straight into your payin balance, which you can see in the dashboard and through the API.
How much does it cost?
Pricing depends on your volume and the methods you use. Send us an enquiry and we'll reply with a quote.
Tell us what you need to collect and pay
Share your monthly volume, how your customers pay and how you'd like to connect. We'll reply with pricing and onboarding steps.
Or email ussupport@paywise247.com