0% Commission Direct-to-Bank UPI Payment Engine
Eliminate 2% to 3% gateway deductions. Accept payments directly into your PhonePe / GPay / Paytm bank account with automated real-time UTR confirmation, instant webhooks, and developer APIs.
Enterprise direct-to-bank UPI payment gateway, dynamic QR generator, real-time UTR auto-capture engine, and developer REST API suite.
High-reliability payment automation designed for regional merchants, SaaS builders, and e-commerce stores.
No intermediaries or 2-3% aggregator deductions. Customers pay straight to your own UPI VPA, and 100% of the money lands directly in your primary bank account.
Generate transaction-specific dynamic QR codes with exact amounts. On mobile devices, launch PhonePe, Google Pay, Paytm, BHIM, or Cred in 1 click.
Built-in IMAP and PhonePe notification verification parser automatically validates 12-digit UTR reference numbers and updates transaction status in real time.
Receive immediate server-to-server HTTP webhook notifications when a payment is verified to automatically unlock digital products, activate subscriptions, or fulfill orders.
Support multiple merchant profiles, custom fee structures, subscription plans, transaction analytics, and soundbox-style audio payment confirmation.
Simple and robust HTTP endpoints (/api/v1/create_link.php, /api/v1/check_status.php) allowing effortless integration with PHP, Node.js, Python, Flutter, or React apps.
Integrate PhonePey 0% commission checkout into your checkout flows, apps, or backend servers.
/api/v1/create_link.php
Create a dynamic UPI payment link, QR code payload, and checkout session.
/api/v1/check_status.php
Query real-time payment status by payment token or bank UTR number.
/api/v1/transactions.php
Fetch paginated list of verified transactions and settlement details.
// 1. Create UPI Payment Session
const res = await fetch('https://phonepey.lushai.dev/api/v1/create_link.php', {
method: 'POST',
headers: {
'Content-Type': 'application/json',
'Authorization': 'Bearer YOUR_API_TOKEN'
},
body: JSON.stringify({
title: 'Pro Membership',
amount: 499.00,
redirect_url: 'https://myapp.com/checkout/success'
})
});
const data = await res.json();
console.log('Checkout URL:', data.data.checkout_url);
console.log('UPI Intent:', data.data.upi_intent);
Everything you need to know about 0% commission UPI payments, automated UTR capture, and merchant settlements.
PhonePey routes customer payments directly to your verified bank VPA without intermediary merchant holding accounts, eliminating standard 2% gateway transaction fees.
Yes! PhonePey features automated 12-digit UPI UTR reference number matching with instant HTTP webhook callbacks dispatched to your backend server.
PhonePey generates universal NPCI-standard dynamic UPI QR codes and deep links compatible with Google Pay, PhonePe, Paytm, BHIM, Cred, Amazon Pay, and all Indian banking apps.
Because payments travel directly peer-to-peer via UPI to your VPA, funds arrive in your bank account in real-time (instant settlement with zero T+2 delay).
Set up your merchant UPI VPA in 2 minutes and accept automated payments with 0% gateway commission.