Free
Plan:Forever Free
Price:
₹0lifetime
100% Free · No credit card required
- 5 QR codes in total
- Limited Order / Payment link creation
- Basic analytics dashboard
- Community support
India's Fastest 0% Commission UPI Payment Gateway
The Modern UPI Gateway for Indian Businesses
Accept direct UPI payments with automated UTR bank-alert reconciliation, 1-click mobile intents (PhonePe, GPay, Paytm, CRED), and HMAC-SHA256 signed webhooks. 100% of your money settles directly into your own bank account — instantly.
0%Gateway Commission
< 120msWebhook Latency
99.95%Success Rate
T+0Direct Settlement
Order #ORD_9821 · Dynamic Amount
₹1,499.00
PhonePe GPay Paytm CRED
Interactive payment gateway engine · Zero commission · Direct merchant settlement
Works with all 300+ Indian banks & NPCI-certified UPI apps
PhonePe
Google Pay
Paytm
BHIM UPI
CRED Pay
Amazon Pay
WhatsApp Pay
HDFC · ICICI · SBI · Axis
Interactive Product Demonstration
See autoUPI Gateway in Action
Watch how quickly you can accept direct-to-bank UPI payments with automated UTR bank alert reconciliation, dynamic QR generation, and real-time signed webhooks.
0% Gateway CommissionEvery rupee paid lands directly into your bank account with zero intermediate deductions.
Instant Automated ReconciliationBackground bank alert listener matches UTRs and activates orders in under 150ms.
Direct Bank SettlementNo 2-day merchant account escrow delays. Works seamlessly with all Indian UPI apps.
Direct UPI 2.0 Rails
Automated UPI Dynamic QR Authentication & Settlement
Say goodbye to manual screenshot verifications and messy accounting spreadsheets. Customers scan a dynamic amount-locked UPI QR code with PhonePe, Google Pay, or Paytm. Funds settle directly into your bank account with instant automated confirmation.
Dynamic Amount-Locked QR CodesEach customer gets an exact, locked amount QR code. Eliminates human typing errors, underpayments, and mismatched orders.
Instant Bank Alert Matching (UTR)The system automatically detects bank credit alerts in milliseconds, matching the 12-digit UPI UTR with the pending order.
Direct Merchant Bank SettlementZero intermediary custody. Money never sits in a third-party escrow or rolling reserve — it credits your bank immediately.
Conversion Focused Checkout
3x Higher Checkout Conversion on Any Mobile Browser
Eliminate drop-offs caused by slow bank redirects and cumbersome card detail entry. autoUPI Gateway delivers an ultra-smooth native checkout optimized for India's smartphone generation.
Instant App IntentsOn mobile devices, tapping any UPI icon directly launches PhonePe, Google Pay, or Paytm with pre-filled, locked amount details.
Dynamic Amount-Locked QR CodesOn desktop screens, customers scan an instant dynamic QR. Prevents manual amount entry errors and mismatched order amounts.
Custom Merchant BrandingDisplay your brand logo, business name, and custom colors to build customer trust and brand recognition.
Enterprise Security Infrastructure
Bank-Grade HMAC-SHA256 Signatures & Zero Custody Risk
Unlike traditional gateways that pool your earnings for days, autoUPI never takes custody of your money. Funds flow directly between customer and merchant bank accounts with cryptographic proof.
Direct Bank-to-Bank SettlementMoney lands straight in your account via standard UPI rails. Zero rolling reserves, zero frozen merchant balances.
Cryptographic HMAC-SHA256 SignaturesEvery webhook payload is hashed with your private merchant secret, preventing replay attacks and spoofed notifications.
Resilient Exponential Backoff RetriesIf your server suffers temporary network latency, autoUPI safely retries webhook delivery across 5 exponential intervals.
Built for Developers. Integrated in 4 Minutes.
Clean REST APIs, official SDKs in your favorite languages, and crystal-clear documentation with zero fluff.
curl -X POST https://autoupigateway.com/api/v1/orders \
-H "Authorization: Bearer sec_live_9f82kd..." \
-H "Content-Type: application/json" \
-d '{
"amount": 1499.00,
"customer_mobile": "9876543210",
"order_id": "ord_8921_prod",
"redirect_url": "https://yoursite.com/orders/success"
}'Live Response
201 Created · 118ms
{
"status": "success",
"order_id": "ord_8921_prod",
"amount": 1499.00,
"currency": "INR",
"payment_url": "https://pay.autoupigateway.com/pay/ord_8921_prod",
"upi_intent": "upi://pay?pa=merchant@okaxis&pn=AutoUPI&am=1499.00",
"qr_data": "upi://pay?pa=...",
"expires_at": 1790539200
}Built for High-Growth Indian Digital Businesses
From SaaS startups to booming D2C brands, discover how companies scale their payment infrastructure with autoUPI.
SaaS & Subscriptions
Instantly unlock workspace access, credits, and memberships with sub-second HMAC webhooks.
E-Commerce & D2C Brands
Eliminate 2% gateway commissions and save ₹50,000+ monthly on high-volume store orders.
Digital Creators & Courses
Sell eBooks, software templates, and cohort courses with instant automated download delivery.
Gaming & Virtual Credits
High-speed wallet recharges with zero reconciliation lag and 99.95% transaction accuracy.
Freelancers & Agencies
Send clean, professional invoice payment links with instant T+0 settlement into your bank account.
B2B & Wholesale Billing
Collect large invoice amounts without losing thousands in percentage-based gateway cuts.
Plans That Stay Simple & Transparent
Direct UPI collections with zero commission. Instant automated activation for your business.
Basic
Actual price:₹2,999
Offer price:
₹999/ 30 days
Save 67%
- 1,000 QR codes in 30 days
- Limited Order / Payment link creation
- Signed webhooks & API access
- Instant automated activation
- Standard support
Plus
Actual price:₹6,999
Offer price:
₹2,499/ 30 days
Save 64%
- 3,000 QR codes in 30 days
- Limited Order / Payment link creation
- Signed webhooks & API access
- Instant automated activation
- Priority WhatsApp & Email
Pro
Actual price:₹14,999
Offer price:
₹4,999/ 30 days
Save 67%
- Unlimited QR codes
- Unlimited Order / Payment link support
- Signed webhooks & API access
- Instant automated activation
- 24/7 Dedicated Priority support
Frequently Asked Questions
Everything you need to know about direct UPI gateway settlement and compliance.
Yes, 100%. autoUPI does not hold or pool customer funds in an escrow or nodal account. Payments are made peer-to-merchant directly from your customer's bank account to your merchant UPI ID. autoUPI acts solely as a real-time tracking, verification, and signed webhook automation layer.
Still have questions about direct UPI settlement?
Our payment engineers are available on WhatsApp and phone to help you integrate autoUPI in under 10 minutes.
Start in Under 4 Minutes
Stop Losing 2% of Your Revenue on Every Transaction
Join thousands of forward-thinking Indian businesses and developers collecting UPI payments directly into their bank accounts. Free forever tier available.
Direct Bank Account CreditingZero intermediate escrow. Funds go straight to your bank account.
Zero KYC Wait TimeInstant activation. Connect your receiving VPA and start testing immediately.
Sub-150ms Signed WebhooksFulfill orders instantly before the customer even closes their payment app.