Next-Gen UPI & Double-Entry Ledger Infrastructure

Payment infrastructure built for modern digital businesses

Accept instant UPI payments, manage merchant balances, automate Telegram checkouts, and integrate financial workflows through a secure developer API.

Get Started Free Explore REST API Telegram Bot SDK

Active

Live Monitoring

< 85ms

Webhook Dispatch

DECIMAL(18,2)

Double-Entry Ledger

5-Min

Dynamic UPI Sessions

GROWZY_GATEWAY_NODE

ONLINE

Merchant Infrastructure Overview

₹ 2,48,750.00

Double-Entry Balanced • 0.00 Discrepancy

Payment Routing Lifecycle

Merchant API Init

Session 5-Min QR

UPI Pay Customer

UTR Match Verification

Ledger Atomic Credit

Webhook Dispatched

Example Transaction Stream Demo Environment

Dynamic UPI Deposit

UTR: 429188091823 • Instant Capture

+₹5,000.00

Telegram Bot Checkout

Webhook: Signed HMAC-SHA256

+₹499.00

Core Infrastructure

Built for High-Velocity Digital Commerce

Everything you need to collect payments, maintain balances, dispatch webhooks, and automate payouts with ledger safety.

Dynamic UPI Payments

Generate on-demand 5-minute dynamic UPI QR codes tagged with unique payment references. Native support for Google Pay, PhonePe, Paytm, and BHIM apps.

Learn about UPI QR →

Wallet Infrastructure

Immutable double-entry ledger accounting using DECIMAL(18,2) arithmetic and row-level atomic locks (SELECT ... FOR UPDATE) to eliminate race conditions.

Explore Ledger Safety →

Developer REST API

Programmatic endpoints for deposits, balance checks, transactions, and payouts protected by HMAC-SHA256 signatures, nonce replay prevention, and idempotency keys.

View API Reference →

Telegram Bot Payments

Direct payment checkouts for Telegram bots. Includes ready-to-deploy SDK code snippets for Python (aiogram), Node.js (Telegraf), and PHP with signed webhook confirmations.

Get Telegram SDK →

Integration Flow

How Growzy Powers Your Business

Go live in minutes with a simple 4-step workflow.

Create Account

Create Payment Session

Generate dynamic 5-minute UPI QR codes via REST API or user dashboard with pre-filled amounts.

Receive Confirmation

Customer transfers funds and submits their 12-digit bank UTR for automated ledger verification.

Automate Fulfillment

Receive cryptographic HMAC-SHA256 webhook notifications to fulfill orders automatically.

Fee Transparency

Interactive Settlement Calculator

Calculate your exact payout amounts with zero hidden charges.

Enter Transaction Amount

₹

Deposit Fee (0%)

₹ 0.00

100% credited to wallet

Withdrawal Fee (6%)

₹ 60.00

Standard payout rail

Net Bank Settlement

₹ 940.00

Direct to your UPI ID

Developer-First Architecture

Integrate in Minutes with Clean APIs

Simple, secure REST endpoints and signed webhooks in your favorite language.

curl -X POST https://wallet.growzylabs.in/api/v1/deposits \
  -H "X-API-Key: YOUR_API_KEY" \
  -H "X-Timestamp: 1725624000" \
  -H "X-Nonce: 4a3e9b18c72f1092" \
  -H "X-Signature: YOUR_REQUEST_SIGNATURE" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": "500.00"
  }'

HTTP 201 Created {"success":true,"data":{"deposit_id":"dep_live_8a92"}}

View Full API Docs →

Fintech Security Architecture

Zero Slippage Double-Entry Accounting

Designed from the ground up for financial operations where balances can never drift.

Immutable Ledger History

Ledger entries in wallet_transactions are strictly append-only. Adjustments are recorded exclusively through explicit REVERSAL records.

Atomic Row-Level Locking

All balance mutations execute inside database transactions protected by SELECT ... FOR UPDATE pessimistic locks to eliminate race conditions.

Replay-Proof HMAC-SHA256

API calls require HMAC-SHA256 signatures calculated across method, path, timestamp, and body with strict nonce replay prevention.

Got Questions?

Frequently Asked Questions

Everything you need to know about UPI checkouts, fees, and settlements.

How fast are UPI deposits credited to the merchant wallet?

Dynamic UPI deposit sessions remain active for 5 minutes. Once the customer scans the QR code and submits the 12-digit UTR reference ID, the system validates the UTR for uniqueness and queues it for instant atomic balance crediting upon verification.

Can I connect this with Telegram Bots?

Yes! Growzy provides native REST API endpoints and webhook streams specifically designed for Telegram Bots (Python aiogram, Node.js Telegraf, PHP). Your bot can automatically generate dynamic QR codes and receive instant webhook confirmations to fulfill user orders.

What are the platform fee percentages?

Standard merchant withdrawals have a transparent 6.00% platform fee automatically deducted from the gross withdrawal amount. REST API credit transactions have a configurable 3.00% developer fee. There are zero account maintenance fees.

How do merchant withdrawals and payouts work?

Merchants can request payouts directly to their bank UPI VPA from the merchant dashboard. The requested balance is held atomically, reviewed by our settlement pipeline, and disbursed directly to your bank account with a reference UTR.