Turn your phone into a powerful UPI based Payment Gateway
Generate Payment Links or integrate with your Website instantly
UroPay is for
UroPay is NOT a Payment Gateway, it is better
Collect payments from your customers in seconds. Create a payment link and share it with your customers to pay via UPI.
Your SMS are never stored on the server. Only UPI credit SMS are read and deleted after processing.
Every rupee your customers pay goes directly to you. You subscribe to a plan and start accepting payments.
UroPay confirms payments when credit SMS arrives on your phone. Our app reads that SMS and processes it in the background.
Integrate UroPay on websites, mobile apps, or desktop applications. The choice is yours.
Subscribe to our Unlimited plan and accept payments from as many devices as you want. No transaction limit.
UroPay turns your Android phone into a powerful UPI payment solution with incredible simplicity. Accept UPI payments directly to your bank account without any KYC — register on the website, install the companion app, integrate UroPay with your app or website or generate Payment Links and start receiving payments instantly. Experience the easiest way to sell online.
Our system automatically detects payment SMS notifications on your phone and confirms orders in real-time. No more manually checking the bank account or following up with customers about their payments.
Generate a payment link and share it with your customers to pay via UPI. Collect payments in seconds.
Payments go directly from your customers to your UPI bank account without any intermediary. Keep 100% of what you earn—no setup fees, no transaction charges, no hidden costs. Just a plain subscription.
Add UroPay to any website or app with just a few lines of code. Our developer-friendly service works with all platforms, giving your customers a seamless checkout experience while you maintain complete control.
As a small business owner and entrepreneur in India, I can't easily sell online because I lack payment gateways. Without formal registration with a government department, as required by payment gateways, I am stuck with cash or manual UPI payments. This means I waste time matching payments to orders and chasing customers for confirmation. If I do get a payment gateway, I lose money to high fees. These obstacles make it hard for me to build my online business and sell my products or services digitally. And this is precisely why I created UroPay. You don't have to worry about these obstacles. Just download the app, subscribe to a plan and start accepting payments.
No. UroPay works with your UPI accounts without requiring formal business registration. No matter if your are individual, small business or a big business, register with UroPay, download the app, subscribe to a plan and start accepting payments.
Instantly. All you need to do is download the app, subscribe to a plan and voila, you are good to go.
Payment gateways pay banks for API access to automate transactions. They charge you extra fees for this service. This is why money first enters their account, they deduct their commission before paying you and also, they can withhold your funds if they need to verify the source. UroPay takes a different approach. Payments go directly to your account (no intermediary), no bank API fees hence no per transaction commission charged by UroPay but to automate the payments, there is a need to know that a payment has been made successfully. UroPay does this by reading your UPI credit SMS. And SMS arrives only on phone. So, a companion app is needed to function properly.
Instantly. Payments go directly to your UPI account, not held by a third party.
Our Android app automatically detects UPI credit confirmation SMS and updates your order and payment status.
None. UroPay has zero commission on transactions. You only need to subscribe to a plan and start accepting payments.
Since, the amount directly reaches your account, UroPay does not handle chargebacks.
As soon as your phone reconnects to the internet and our app is opened, all the credit sms will be read and processed. Do not close the app or turn off your phone.
Yes. After logging into your UroPay dashboard, you can create payment links for your customers to make payments directly.
Each plan has unlimited payment links but the maximum number of transactions allowed is still as per the subscribed plan. For example, if you make the payment link re-usable, then your customer can pay for the same link multiple times but your system will only be notified by the webhook calls as per the transactions allowed in the plan.
Yes. The system never accesses your account details - payments are made directly between your customers and your UPI account. The app does read all the SMS, including OTP SMS, but it is ignored and only UPI credit SMS are processed.
As long as your UPI credit is in INR, and your bank sends correct SMS, you can accept international transactions.
Yes. The UroPay dashboard provides real-time reporting for order generation and transaction history.
A transaction happens when a customer completes a payment for an order or a payment link. Here's the process: 1) You create an order in the system or a payment link, 2) The system waits for the customer to pay, 3) When the customer pays via UPI, your bank sends you an SMS confirmation, 4) The system extracts key details from that SMS (payment amount and UPI reference number), 5) These details are then sent to your webhook as a transaction record.
In simple terms: a transaction is the payment confirmation data that gets sent to your system after a successful customer payment.
Yes, it depends on the plan you subscribe to. Check our pricing page for more details.
If you hit the limit, we will not call the webhooks but the transaction will be stored in the database. In this case you need to manually verify the payments with your customers after logging into UroPay dashboard or move to a higher plan.
Only Unlimited Plan is refundable on month pro-rata basis. For example, if you cancel on the 27th day of the first month, you’ll be charged for the full first month and receive a refund for the remaining 11 months. If you cancel on the 2nd day of the third month, you’ll be charged for three full months, and one additional day in the fourth month — effectively four months total. In that case 12 - 4 = 8 months plan amount is refundable. Taxes paid by you, like GST, are not refundable.
Minimal. The step-by-step guide makes integration simple, even for beginners but it is good to have a developer to do that for you.
Yes. It is very simple to integrate UroPay with any website platform or mobile app.
No, GST is not currently charged as the current annual turnover is under the limit set by the government.
Phone support is only available on Growth and Unlimited Plans between 10am to 5pm, Monday to Friday only, excluding Public Holidays. Please note that I am only 1 person and I do not have a team so the phone support might be delayed.
