Accept UPI payments straight into your own account.
Connect your existing Paytm, PhonePe, BharatPe, Google Pay or QuintusTech business account — or just your UPI ID and payment-alert inbox, connected once and tracked forever. Create payment orders with one API call and every payment is detected automatically, with instant webhooks to your server.
status=success · 200 OKBring the business account you already use.
No new bank account, no fund pooling. Link your merchant account once and every payment lands directly with you.
Paytm for Business
PhonePe for Business
BharatPe for Business
Google Pay for Business
QuintusTech
Connect once. Every payment tracked, always.
Just add your UPI ID and connect the Gmail inbox that receives your Paytm or PhonePe payment alerts. No merchant-dashboard login at all — so there is no session to expire, no OTP to re-enter and no logout that silently stops your payment tracking.
client_txn_id; PhonePe by a unique amount.| Dashboard login | UPI ID + Email Alerts | |
|---|---|---|
| Session expires | Yes, often | Never |
| Re-login / OTP | Again & again | Not needed |
| Setup | After every logout | Just once |
| Payment tracking | Stops when logged out | Always on |
Live in four simple steps.
From sign-up to your first successful payment — usually the same day.
Create account & pick a plan
Sign up, choose a UPI Gateway plan that fits your volume, and generate your API key and secret.
Connect your merchant
Link Paytm, PhonePe, BharatPe, Google Pay or QuintusTech via OTP, email or QR login. Your UPI ID is fetched automatically.
Create payment orders
Call /qr/create with amount and customer details. You get a hosted payment_url with a dynamic QR.
Get paid & notified
Customer pays from any UPI app. We detect it, mark the order PAID with UTR and POST a webhook to your server.
Everything you need to collect UPI payments.
A complete payment stack — from checkout page to reconciliation — without building it yourself.
Direct settlement
Payments go straight to your own merchant account's UPI ID. We never hold or pool your money.
Dynamic QR per order
Every order gets a unique, amount-locked QR with your business name and logo, plus UPI intent for mobile users.
Automatic payment detection
Your connected account is monitored in the background, so orders flip to PAID or FAILED on their own — no manual checks.
Instant webhooks
Status changes are POSTed to your webhook URL with amount, UTR, customer VPA and UDF fields. Resend any time from the dashboard.
Live dashboard & reports
Track collections, success rates and every order in real time. Mark status manually or retry orders when needed.
Secure by default
Key + secret authentication on every API call, request/response logs for audits, and order expiry to prevent stale payments.
One order. The right merchant, every time.
Connect more than one merchant account and let the routing engine pick the right one for every order automatically — by amount, by time of day, by today's volume, or by a priority fallback chain you define yourself.
Get Started Free
Two endpoints. One webhook. Done.
A clean REST API with JSON responses that plugs into any stack — PHP, Node.js, Python, Java or no-code tools. Test orders from your dashboard before going live.
x-api-key/x-api-secretheader authentication- Hosted payment page — no front-end work required
udf1–udf3fields to pass your own references- Built-in service tester and full API logs
// Request { "client_txn_id": "ORD-1234567890", "amount": "1499", "customer_name": "Rahul Sharma", "customer_mobile": "9876543210", "udf1": "plan_gold" } // Response { "status": true, "msg": "Order Created", "data": { "Status": "Created", "order_id": 500041, "payment_url": "https://karopay.in/gateway/pay/016bef…" } }
// Request { "client_txn_id": "ORD-1234567890", "txn_date": "25-09-2026" } // Response { "status": true, "data": { "client_txn_id": "ORD-1234567890", "order_id": 500041, "amount": 1499, "status": "PAID" } }
// Content-Type: application/x-www-form-urlencoded id=500041 client_txn_id=ORD-1234567890 amount=1499 status=success upi_txn_id=426812345678 customer_vpa=rahul@okaxis customer_name=Rahul Sharma customer_mobile=9876543210 udf1=plan_gold txnAt=2026-09-25 remark=Payment received
A payment page your customers trust.
Every order gets a ready-made, mobile-first payment page at its own payment_url — no
front-end work. Pick one of 8 themes from your dashboard and it applies to every new order.
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Your brand, automaticallyBusiness name and logo from your profile, on every page.
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One-tap app buttonsCustomers on mobile open PhonePe, Google Pay or Paytm directly — or scan the QR.
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Live timer & statusA countdown, and the page flips to success the moment the payment is detected.
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Redirect back to youAfter payment the customer returns to your site; if they cancel, you get a webhook.
Businesses that want UPI without the middleman.
Whether you sell online, run a service portal or manage a retailer network — collect payments on your own terms.
E-commerce stores
Add UPI checkout to your website or app and auto-confirm orders on payment.
Wallet top-ups
Let users recharge wallets instantly with webhook-driven balance credit.
Fees & subscriptions
Collect course fees, memberships and renewals with trackable payment links.
Service & retailer portals
Power B2B platforms and distributor networks with a reliable collection API.
Your brand. Your customers. Our engine.
Launch a fully branded UPI payment gateway of your own — without writing a single line of payment code. Every business you onboard sees only your name, your logo and your domain. KaroPay stays invisible in the background.
Tell us your brand
Share your business name, logo, brand colors and the domain you want to launch on.
We set it up for you
Your domain, SSL, branding, WhatsApp, Email and Telegram bot are connected to your own identity — end to end.
You onboard & earn
Sign up your own merchants under your own plans and pricing. They only ever see your brand.
Your own domain & branding
Connect your own domain with SSL, and set your logo, name and colors across the dashboard and checkout page.
Your own WhatsApp
Notifications to your customers are sent from your own connected WhatsApp number, not ours.
Your own Email & Telegram bot
Configure your own SMTP sender and Telegram bot so every notification carries your brand, end to end.
Your own plans & pricing
Set your own subscription plans and pricing for every business you onboard onto your platform.
Simple, transparent white-label pricing.
One setup fee to go live under your own brand. One flat monthly fee to keep everything running — no surprises.
White-Label Setup Fee
- White-label branding
- Custom domain
- SSL setup
- Admin dashboard
- API credentials
- Webhook configuration
- Initial merchant connection
- Basic integration assistance
- Production deployment
Maintenance & Support
- Hosting/infrastructure
- SSL management
- Software updates
- Dashboard
- Monitoring
- Technical support
- Bug fixes
- API/webhook infrastructure
- Backup/maintenance
No separate infrastructure to manage — the same reliable payment engine that powers KaroPay, running under your own name.
Become a White Label PartnerFrequently asked questions.
Directly to the UPI ID of your own connected merchant account (Paytm, PhonePe, BharatPe, Google Pay or QuintusTech). The gateway only generates the QR, tracks the payment and notifies you — it never holds your funds.
Not with UPI ID + Email Alerts. You add your UPI ID and connect the Gmail inbox that receives your Paytm or PhonePe payment alerts just once — there is no merchant-dashboard session that can expire, so payments keep getting tracked without any re-login or OTP. You only need to reconnect if you yourself remove KaroPay's access from your Google account (for example by revoking the App Password).
Your connected merchant account is monitored in the background. As soon as the matching payment arrives, the order is marked PAID with the UTR and customer VPA, and a webhook is sent to your server. You can also mark orders manually from the reports page.
No. Every order returns a hosted payment_url. Just redirect your customer to it — choose any of the 8 checkout themes from your dashboard.
Any UPI app — PhonePe, Google Pay, Paytm, BHIM, bank apps and more — by scanning the QR or tapping the UPI intent on mobile.
Unpaid orders expire automatically, and if the customer closes the page the order is marked CLOSED. Both send a failure webhook, and you can retry the order from your dashboard.
We offer subscription plans based on your needs. Log in and open the UPI Gateway Plans page to compare options, or contact our team for a custom plan.
Start collecting UPI payments today.
Create your account, connect your merchant and make your first API call in minutes.
Let's set up your gateway.
Tell us about your business and expected volume — our team will help you pick a plan and go live.
We can help you with
- Choosing the right merchant provider and plan
- Connecting your merchant account
- API & webhook integration on your website or app
- Custom checkout and high-volume setups