Guided setup · Existing eligible merchant account required

India's Simplest
UPI Payment Gateway
at 0% Transaction Fee.

VyaparGateway charges a subscription instead of adding a percentage platform fee to each verified payment. Connect an eligible merchant account, integrate the documented API, and let customers use compatible UPI payer apps.

Start free 7-day trial See it in 60 seconds
Platform fee
0%
Setup time
~5min
Uptime
99.99%
app.vyapargateway.com
Live

Revenue · today

₹47,820

18.4%

Live payments

last 60s
  • Pe

    Order #4218

    PhonePe · just now

    +₹1,250
  • GP

    Order #4217

    Google Pay · 18s ago

    +₹3,490
  • Pa

    Order #4216

    Paytm · 41s ago

    +₹890
Works with all UPI Apps: PhonePe Google Pay Paytm BHIM + All Bank Apps
01 — The math

On ₹10 lakh monthly volume, you keep ₹2.4 lakh more per year.

Every "2% gateway" is quietly clipping ₹20,000 from every ₹10 lakh you process. VyaparGateway's flat ₹300/mo plan replaces that math entirely — no per-transaction skim, ever.

Recommended VyaparGateway
Competitor A Razorpay
Competitor B Cashfree
Platform fee per txn 0% 2% 1.95%
Monthly cost @ ₹10L volume ₹300 flat ₹20,000 ₹19,500
KYC to start trial Not required Required Required
Settlement Per provider/bank Per provider plan Per provider plan
Time to first payment ~5 min 1–3 days 1–2 days
Signed webhooks (HMAC) Yes Yes Yes
Hidden / surprise reserves Never Sometimes Sometimes
Based on publicly listed pricing as of May 2026. Bank/PSP charges (typically ₹0 on UPI) apply on all platforms.
02 — The product

Engineered for builders. Loved by merchants.

Every primitive you need to accept UPI payments in India. No upsells, no surprise fees, no compliance theatre.

Dynamic QR

A unique QR for every order, with the amount pre-filled.

Zero typos. Zero manual reconciliation. The customer scans, pays, and your dashboard updates in real time.

PhonePe 9:41

Pay to

VyaparGateway Demo

Amount ₹1,250
Verified

UPI Intent. One-tap mobile checkout.

Customer taps "Pay", their UPI app opens with the amount filled. They confirm. Money lands. Conversion goes up.

SHA-256 signed webhooks.

Every callback HMAC-signed. Replay-resistant. Tamper-evident. Verify in three lines.

REST API · v1

Three endpoints. That's the SDK.

Create order, verify payment, refund. SDKs for Node, PHP, Python. Postman collection ready to import.

Read the API reference 
# Create an order
curl -X POST https://vyapargateway.com/api/v1/create_order \
  -H "X-API-Key: vg_live_YOUR_KEY" \
  -H "Content-Type: application/json" \
  -d '{"amount": 1250, "client_txn_id": "4218", "p_info": "Order 4218"}'

# Response — 200 OK
{
  "status": true,
  "data": { "order_id": "...", "payment_url": "...", "upi_string": "upi://pay?..." }
}

Real-time analytics.

Revenue, success rate, top customers, refunds — at a glance. CSV export, daily email reports.

Settlement

Money lands in your bank. No middleman wallet.

Settlement on UPI rails — straight to your business bank account. No held funds, no rolling reserves, no two-week settlement cycles.

  • Provider-led settlement to the linked merchant account
  • No surprise reserves or rolling holds
  • CSV exports + reconciliation API
03 — Built for

Works on every platform your business already uses.

Whether you sell on Shopify, run a WordPress / WooCommerce store, build a SaaS product, operate a D2C brand, or own a fully custom website — VyaparGateway plugs in without re-architecting anything.

  • Shopify

    Use the Shopify integration guide to build a server-side API and webhook flow.

    One-click install

  • WordPress

    Follow the PHP and WooCommerce guide for a server-owned API integration.

    Integration guide

  • SaaS

    Drop-in REST API + signed webhooks for subscriptions, trials, and dunning flows.

    API + webhooks

  • D2C Store

    Native checkout with dynamic QR + UPI intent — faster than any redirect flow.

    Faster checkout

  • Custom Website

    3 REST endpoints. Code samples in PHP, Node.js, Python, Java. Postman collection included.

    PHP · Node · Python

Don't see your stack? Read the REST API docs →

04 — Integrate

Five minutes. Four steps. Zero compliance theatre.

  1. 01

    Sign up

    Create your account, then complete the guided merchant and provider requirements.

  2. 02

    Copy keys

    Grab live + test API keys from the dashboard. Webhook secret too.

  3. 03

    Drop snippet

    Use the REST API, signed webhooks, and stack-specific implementation guides.

  4. 04

    Get paid

    Customer scans QR or taps Pay. Signed webhook lands. Money in bank.

05 — Case study

Example D2C rollout:
faster confirmation, lower ops load.

In a recent UPI-first merchant rollout, the team replaced manual screenshot-based confirmation with dynamic QR + webhook verification. The outcome was a faster payment-to-fulfillment handoff and fewer support escalations around payment mismatch states.

Payment confirmation latency

From manual to near real-time

Operations effort

Reduced repetitive reconciliation work

Checkout reliability

Cleaner order-status synchronization

DPDP 2023 compliant TLS 1.2+ · SHA-256 HMAC Works with your existing bank / PSP
06 — Pricing

One flat plan. Priced by features. Never by volume.

Every plan includes a 0% per-transaction platform fee, the documented REST API, signed webhooks, reports, and email support. Published request limits and provider terms apply.

See full pricing Start free trial
Most popular

Flat monthly

₹300 / month

0% platform fee · no per-txn skim

  • Unlimited UPI transactions
  • Dynamic QR + UPI intent
  • Signed webhooks + analytics
  • Shopify + WooCommerce guides
  • CSV exports + reports
  • Email + chat support
07 — FAQ

Quick answers, straight up.

Still not sure? Email [email protected] — we reply within 4 hours.

Is VyaparGateway really free to start?

Yes. VyaparGateway offers a 7-day free trial with no credit card required. Start accepting UPI payments immediately.

What is the transaction fee on VyaparGateway?

VyaparGateway charges 0% platform transaction fee on top of your plan. You only pay standard UPI/bank charges as per your merchant agreement.

Do I need a merchant account?

Yes. You need an eligible account with a supported merchant provider. Provider and bank verification requirements continue to apply.

How do I integrate VyaparGateway?

Connect a supported merchant account, create an API key, follow the REST API contract, and verify signed webhook events on your server.

Is VyaparGateway secure?

Yes. All transactions are protected with SHA-256 HMAC encryption and signed webhook verification to prevent fraud and replay attacks.

Which UPI apps work with VyaparGateway?

VyaparGateway works with all major UPI apps: PhonePe, Google Pay, Paytm, BHIM, and all participating bank apps. Mobile UPI intent button is also supported for one-tap payments.

Does VyaparGateway work with Shopify and WordPress?

Integration guides describe API-based server flows for Shopify and WordPress. VyaparGateway does not currently advertise an installable first-party plugin.

What analytics does VyaparGateway provide?

VyaparGateway provides a real-time analytics dashboard with revenue insights, payment success rate, customer behavior, daily and monthly reports.

Ready when you are

Start accepting UPI in the
next five minutes.

Trial access · Eligible merchant account required · No credit card to register

Start your free trial Read API docs

Trial access · Provider requirements apply · Privacy-first onboarding