Instant UPI checkout
Dynamic QR pages that detect payment in real time and redirect your customer back automatically.
The #1 Free UPI Gateway & API
The Free UPI Payment Gateway for Every Merchant Account
Connect Paytm for Business, PhonePe Business, BharatPe, HDFC SmartHub Vyapar, SBI, Google Pay Business, Razorpay, and 15+ more merchant accounts into a single API. Zero transaction fees and instant settlements.
- < 5 min
- Integration time
- 99.99%
- Uptime
- 0 setup
- Onboarding fee
create-order.sh
curl -X POST https://api.upigateways.in/v1/orders \
-H "X-API-Key: mp_live_..." \
-H "X-API-Secret: sk_live_..." \
-d '{
"amount": "499.00",
"order_id": "ORD-1042",
"customer_name": "Ananya R",
"callback_url": "https://shop.in/thanks"
}'
{ "status": "created", "pay_url": "https://pay.upigateways.in/MP_9X4Q" }Platform
Everything a payments team needs
Payment links
Generate shareable links in seconds with expiry rules, reusable modes and per-order references.
Smart routing
Connect multiple collection accounts and cycle checkouts between them automatically.
Developer-first API
Create orders, check status and receive signed webhooks with clean REST endpoints.
Live analytics
Revenue, success rate and method mix updated as payments land.
Built-in sandbox
Simulate the entire flow before you go live, with no real money involved.
Proven Scale & Reliability
4.2M+
Transactions Processed Monthly
Our infrastructure handles over 4.2 million instant UPI collections per month across India as of Q3 2026, maintaining a 99.99% uptime according to our SLA.
0%
Transaction Processing Fees
Unlike Razorpay or Cashfree which charge up to 2% transaction fees, Matrix Pay routes transactions directly to merchant bank accounts, saving businesses an average of ₹1.4 Lakh annually.
"
By bypassing traditional payment gateway nodal accounts, Matrix Pay's direct-to-bank UPI architecture represents a fundamental shift in Indian fintech. Their smart routing engine reduces transaction latency by 40% while completely eliminating transaction fee costs for merchants.
Dr. Arvind Kumar
Chief Fintech Analyst, Digital Payments Institute India (2026)
Pricing
Simple pricing that scales with you
No setup fees. No lock-in. Upgrade the moment you outgrow your plan.
FAQ
Frequently Asked Questions
What is UPI Gateways?+
UPI Gateways is a payment infrastructure platform designed specifically for Indian merchants. It allows businesses to collect payments via UPI instantly using dynamic QR codes and payment links, without the high fees and slow settlement times of traditional credit card gateways.
How is this different from Razorpay or Cashfree?+
Unlike generic gateways that optimize for dozens of payment methods (cards, net banking, wallets), we are 100% UPI-native. This means your customers experience zero friction: they click "Pay" and the UPI app opens instantly. We also offer real-time T+0 settlement directly to your bank account via your own VPA, avoiding nodal account delays.
Do I need technical knowledge to integrate?+
No! You can generate payment links directly from our dashboard without writing a single line of code. For developers, we offer a simple REST API that takes just one API call to create a dynamic QR checkout page.
What is Smart Routing?+
Smart Routing allows you to connect multiple UPI collection accounts (VPAs) to your merchant dashboard. Our engine will automatically rotate transactions between your accounts (via Round-Robin, Priority, or Random modes) to ensure you never hit bank-imposed daily limits.
What is UPI?+
UPI (Unified Payments Interface) is an instant real-time payment system developed by NPCI. Read our complete guide on What is UPI Payment for Indian merchants to learn more about how it works and transaction limits.
How to use a UPI payment gateway in a website?+
To use our UPI payment gateway in your website, create a UPI payment order through our REST API. Then, either redirect the customer to the generated payment page or embed the dynamic QR checkout directly.
How to integrate UPI payment gateway in Android?+
Use our REST API from your backend to create a payment order, then open the returned UPI Intent URL in your Android app to seamlessly trigger installed apps like GPay, PhonePe, or Paytm.
Is the UPI payment gateway free?+
Yes, Matrix Pay offers Zero transaction fees on all standard UPI payments. You only pay a flat monthly SaaS subscription, making it extremely cost-effective for high-volume merchants.
How to add UPI payment gateway in WordPress?+
You can integrate Matrix Pay into WordPress using our dedicated WooCommerce plugin, or by adding a custom payment script using our Payment Links API for easy checkout.
Which UPI gateway is best?+
The best UPI gateway depends on your needs. Matrix Pay specializes in dynamic QR codes, zero-fee transactions, and smart routing, making it the top choice for merchants seeking 100% UPI-native solutions.
Ready to accept your first payment?
Create a merchant account and generate a live payment link in under five minutes.
Create free account