Accepting Direct 0% Commission UPI Payments in Web Apps

The Problem with Traditional Payment Aggregators

Most payment gateways charge between 1.8% to 3.5% transaction fees plus GST on every checkout. For emerging startups and small businesses in Northeast India, these fees cut heavily into profit margins.

How Direct UPI Works By leveraging standard NPCI dynamic QR specifications, you can generate an instant QR code embedding the exact payable amount and reference note.

Automated UTR Reconciliation with PhonePey With PhonePey by Lushai Dev, incoming bank confirmation SMS or webhook alerts are captured in real-time. The unique 12-digit UTR is matched automatically against pending order IDs, marking transactions as paid within seconds.

• Zero middleman transaction commission
• Instant money settlement direct to your own bank account
• Instant webhook notifications to your application