Accept unlimited UPI payments via BHIM, Google Pay, PhonePe, Paytm, Amazon Pay. Zero transaction fees, real-time settlement, and fully branded checkout — built for Indian businesses.
UPIMERCHANT is not just another payment aggregator — we are a zero-MDR, instant-settlement UPI gateway designed to eliminate the cost burden on small businesses, startups, and enterprises. With direct integration to NPCI’s UPI ecosystem, we offer the most affordable and reliable way to accept digital payments.
Unlike traditional gateways that charge 2-3% per transaction, we charge zero fee on UPI. Your customers pay using any UPI app, and funds land in your bank account instantly. No settlement cycles, no hidden fees, no surprises.
From payment links to full-stack API — we provide enterprise-grade features at zero cost.
Funds credited to your bank account within 5 seconds after successful payment. No T+2 days, no manual reconciliation. Works 24/7 including weekends & holidays.
✓ Direct bank transfer via UPI Auto-settleAbsolutely zero MDR (Merchant Discount Rate) on all UPI transactions as per NPCI guidelines. We don't charge any percentage fee, fixed fee, or hidden costs. Save up to ₹2 lakh per year for every ₹1Cr processed.
✓ Free for life — no subscription needed for basic planKeep customers on your domain. Fully customizable payment page with your logo, brand colors, and custom CSS. Supports dynamic QR, UPI intent, and collect request — works seamlessly on mobile & desktop.
✓ Increase trust & conversion by 35%Real-time dashboard with payment success rate, transaction volume, customer location heatmaps, refund analytics, and settlement reports. Export data in CSV/PDF for accounting.
✓ Smart insights to optimize your businessGenerate unlimited payment links and dynamic QR codes instantly. Share via WhatsApp, Email, SMS, or social media. Customers pay without any app download — just scan and pay.
✓ Ideal for invoices, donations, collect requestsRESTful API with detailed documentation. Official plugins for WooCommerce, Shopify, Magento, OpenCart, and custom PHP/Node.js SDK. Webhooks for real-time event notifications.
✓ Integrate in under 15 minutesDedicated account managers for premium users. Instant WhatsApp support, callback request, and ticket system. Average response time under 2 minutes.
✓ 98% customer satisfaction ratingPCI DSS Level 1 certified, ISO 27001, and fully compliant with RBI’s payment aggregator guidelines. End-to-end encryption and fraud detection engine.
✓ Secure by design, trusted by banksNative Android & iOS SDKs for seamless in-app UPI integration. Support for UPI Intent, Collect, and QR code scanning inside your mobile app.
✓ Boost mobile conversion rateGet live in 3 simple steps — no technical expertise needed
Create account with PAN & basic KYC. No documentation for small merchants (below ₹50k monthly).
Copy-paste our JavaScript snippet, or install plugin for WordPress/Shopify. Use APIs for custom dev.
Accept UPI payments instantly. Funds settle in real-time to your bank. No holds, no surprises.
Active Merchants
Annual Volume Processed
UPI Apps Supported
Uptime SLA
Zero fees on UPI — pay only for premium add-ons if you need advanced features
*Card payments attract 0.5% - 1.9% as per industry. UPI remains 0% forever.
Real merchants, real savings, real growth.
“We switched from a 2% gateway to UPI Merchant. Saved ₹4.2L in just 6 months. Settlement is instant, support is amazing.”
“Branded checkout increased our conversion by 27%. The integration took only 10 minutes. Highly recommend.”
“Zero MDR is a game changer for my small business. Now I accept UPI payments without any tension of extra charges.”
Everything about UPI payments, settlements, security, and integration
Yes, absolutely. NPCI mandates zero MDR on UPI transactions. UPI Merchant never charges any percentage fee, fixed fee, or monthly fee for basic plan. Premium plan adds branding features but UPI transactions remain 0% fee even in premium.
Instant settlement for verified merchants — funds reflect in your bank account within 5-10 seconds. New merchants have a brief 24-hour settlement window for first 5 transactions for security, after that instant settlement kicks in automatically.
All UPI apps: Google Pay, PhonePe, Paytm, Amazon Pay, BHIM, CRED, Mobikwik, Airtel Payments Bank, and over 150+ bank UPI apps (SBI, HDFC, ICICI, Axis, etc.).
Not necessarily. For websites like WordPress/WooCommerce, Shopify, Wix — we offer 1-click plugins. For custom websites, you can copy our JavaScript snippet. Developers can use our REST API for deeper integration.
Yes, we are a registered payment aggregator (PA) under RBI’s guidelines. Our systems are PCI DSS Level 1 certified and audited annually by third-party security firms.
Yes, dashboard provides full refund management, chargeback alerts, and dispute resolution tools. You can issue partial or full refunds with one click.
UPI is primarily for Indian bank accounts. For international payments, we support international cards and wallets (additional fee applies). Contact sales for cross-border solutions.
Join thousands of merchants who trust UPI Merchant for zero-fee, instant UPI collection.