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100% Automated UPI Direct Settlement

Accept Instant UPI Payments
Directly Into Your Bank Account

Automate your business collections with zero commission fees, instant multi-gateway UPI redundancy (PhonePe, Paytm, BharatPe, SBI, HDFC), and real-time webhook confirmation.

0% Transaction Fees
Instant Bank Credit
99.99% Gateway Uptime
NPCI UPI Compatible
Npinew Demo
Verified Merchant
₹500.00
UPI QR
Scan with any UPI App to Pay
PhonePe
GPay
Paytm
UPI

Instant Real-Time Verification

Automated payment listener detects credit within seconds and fires instant webhooks to your server.

Direct Settlement to Bank

No 24-48 hours wallet holding. Funds transfer directly into your own bank account via UPI.

Multi-Gateway Fallback

Connect multiple UPI accounts. Automatically routes around gateway limits or bank downtimes.

Supported UPI Merchants & Payment Ecosystems
PhonePe PhonePe Merchant
Paytm Paytm Business
GPay Google Pay
BHIM BHIM UPI
HDFC Bank SmartHub
State Bank of India (SBI)

Engineered for Fast, Reliable Collections

Everything your business needs to collect online payments without paying heavy 2-3% aggregator commissions.

0% Platform Fee

Keep 100% of your earnings. We do not charge per-transaction percentage fees. Enjoy transparent monthly plans.

Dynamic High-Res QR

Generate unique dynamic QR codes for each transaction with prefilled amount and order reference notes.

Instant Webhook Callbacks

Receive millisecond notifications on your server with secure signature validation as soon as a payment succeeds.

One-Click Payment Links

Create shareable payment links instantly from the merchant dashboard to share with clients via WhatsApp or SMS.

UPI App Deep Linking

Open installed UPI apps directly on mobile devices with one tap, boosting checkout conversion rates up to 40%.

IP & Domain Whitelisting

Advanced security layer allowing transactions only from your authenticated server IPs and origin domains.

Integrate in Just 3 Lines of Code

Our lightweight REST API makes integration seamless. Generate payment tokens, render dynamic checkouts, and verify webhook signatures in minutes.

  • RESTful JSON APIs for all languages (PHP, Node.js, Python)
  • Webhook retry engine with automatic exponential backoff
  • Ready-to-use WordPress / WooCommerce plugins
Read Full Documentation
PHP Integration
<?php
$payload = [
    'user_token'   => 'YOUR_USER_TOKEN',
    'amount'       => '500.00',
    'order_id'     => 'ORD_' . time(),
    'redirect_url' => 'https://yourdomain.com/callback'
];

$ch = curl_init('https://www.secureupi.online/order2/create');
curl_setopt($ch, CURLOPT_POST, true);
curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($payload));
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
$response = json_decode(curl_exec($ch), true);

// Redirect customer to secure instant payment link
header('Location: ' . $response['payment_url']);
exit;

Plans Designed for Growing Businesses

Zero commission on all transactions. Choose a tier based on your business volume and gateway needs.

Premium Plan
Essential package for solo merchants and freelancers.
₹499 /month
  • 1 Connected UPI Account
  • 0% Transaction Fees
  • Instant Bank Settlement
  • Real-Time Webhooks
  • Standard Email Support
Get Started
Enterprise Pro
High volume processing with advanced load balancing.
₹1,999 /month
  • Up to 25 Connected Accounts
  • Automated Gateway Balancing
  • High QPS Rate Limits
  • IP Whitelist Protection
  • 24/7 Dedicated Support
Get Started
Enterprise Ultimate
Full capacity for enterprise scale platforms.
₹3,499 /month
  • Up to 50 Connected Accounts
  • Custom White-label Support
  • Custom Domain Integration
  • Direct SLA Agreement
  • Priority API Engineering
Get Started

Frequently Asked Questions

Find quick answers to common questions about setting up and processing payments.

How does direct bank settlement work?
When a customer scans your QR code or clicks an intent link, the money is transferred directly from the customer's bank account into your linked UPI merchant account (PhonePe, Paytm, BharatPe, etc.). We never hold your funds.
Do you charge any commission per transaction?
No! We charge absolutely 0% transaction commission. You only pay the flat subscription fee for the plan you select, keeping 100% of every payment.
What UPI payment applications can my customers use?
All Indian UPI apps are supported, including PhonePe, Google Pay, Paytm, BHIM, CRED, Amazon Pay, and all UPI-enabled mobile banking apps.
How long does it take to integrate the API?
Most developers integrate our simple REST API within 15 minutes. We provide clear code snippets for PHP, Node.js, Python, and cURL, along with real-time webhook callback testing.