100% Transparent Fintech Pricing

Predictable, volume-friendly pricing with Zero Setup Fees

Start free, process instant Dynamic UPI collections, pay only on successful withdrawals and programmatic API credits. No monthly retainers or hidden maintenance charges.

Direct UPI & Web Wallet

Ideal for individual users, freelancers, and small creators receiving payments via QR.

0% Deposit Fee

₹0 Setup & ₹0 Maintenance Fee

Dynamic 5-minute UPI QR sessions
Minimum deposit ₹50.00
Standard payout fee: 6%
Double-entry balance accounting
Instant internal wallet-to-wallet transfers

Get Started Free

Developer & Telegram API

Engineered for Telegram bot operators, SaaS platforms, and automated commerce checkouts.

3% API Credit Fee

Automated Server-to-Server Processing

Full REST API v1 access with HMAC-SHA256
Telegram Bot direct integration SDKs (Python, Node, PHP)
Real-time cryptographic Webhook dispatch
Nonce replay & Idempotency key protection
Custom granular API key scopes

Deploy Bot Gateway

High-Volume Enterprise

Custom tailored infrastructure for merchants processing > ₹50 Lakhs monthly.

Custom Slab Rates

Dedicated Server Node & SLA

Custom volume fee discounts
Dedicated UPI VPA gateway binding
High-Availability Infrastructure & Dedicated SLA
24/7 Priority Telegram & WhatsApp support
Custom webhook payload formatting

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Financial Fee Architecture & Precision Guarantee

All fee deductions are calculated strictly server-side using BCMath DECIMAL(18,2) arithmetic. Balances never undergo floating-point approximation.

Deposits (UPI QR Sessions)

0.00% fee. When a user deposits ₹1,000, exactly ₹1,000.00 is credited to their wallet balance upon UTR verification.

Withdrawals / Payouts

6% standard processing fee. For a ₹1,000 withdrawal, ₹940.00 is dispatched to your UPI VPA, with fee transparently recorded in ledger.

P2P Wallet Transfers

2.00% flat platform tax. Instant internal wallet-to-wallet transfer by recipient email, mobile, or wallet ID with real-time settlement.

Programmatic API Credits

3% developer gateway fee applied upon /api/v1/wallet/credit calls with instant cryptographic webhook dispatches.

Frequently Asked Questions

Are there any annual or setup fees?

No. Creating a merchant account, generating dynamic UPI QR codes, configuring webhooks, and sandbox testing are 100% free with zero recurring commitments.

How fast are UPI withdrawal settlements?

Withdrawals submitted to any valid Indian bank VPA are reviewed with atomic balance locking and typically processed via IMPS/UPI fast-rail rails within 5–30 minutes.

Can I test the API before going live?

Yes. Once you register, you can generate sandbox API keys with full HMAC-SHA256 signature support and inspect test webhook deliveries directly in your developer dashboard.