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

Every UPI gateway in India quietly skims 2% off every sale. VyaparGateway charges 0%. No KYC to start. Live in five minutes with one drop-in snippet. Works with PhonePe, Google Pay, Paytm, BHIM, and every UPI bank app.

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

Settled

T+0 · HDFC ••6201

Success

99.2%

348 / 351

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	T+0	T+1–T+3	T+1–T+2
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://api.vyapargateway.com/v1/orders \
  -H "Authorization: Bearer vk_live_…" \
  -d '{"amount": 1250, "order_id": "4218"}'

# Response — 200 OK
{
  "id":      "ord_8K2x...",
  "qr_url":  "https://…",
  "intent":  "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.

T+0 settlement for verified merchants
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

Free plugin. Install, paste your API key, accept UPI at checkout in 2 minutes.
One-click install
WordPress

Native WooCommerce plugin. Works on any WP store — blogs, eCommerce, membership.
WooCommerce-ready
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.

01

Sign up

Email + phone. No KYC for the trial. You're in within 60 seconds.
02

Copy keys

Grab live + test API keys from the dashboard. Webhook secret too.
03

Drop snippet

REST API, Shopify plugin, or WooCommerce plugin. Pick your stack.
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 0% platform fee, unlimited transactions, the full REST API, both plugins, and email support. Pick a plan based on the features you need — not how much you sell.

See full pricing Start free trial

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 KYC to use VyaparGateway?

No KYC is required to start your free trial and integrate the API. You use your own existing bank/UPI merchant setup.

How hard is it to integrate VyaparGateway?

VyaparGateway is designed for beginners — plug and play. Copy the API key, use our snippet or plugin, and you're live in minutes. No compliance or complex setup required.

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?

Yes. Ready-made plugins for Shopify and WordPress are available. For other platforms, use the REST API.

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.

7-day free trial · No KYC · No credit card · Cancel anytime

Start your free trial Read API docs

7-day free trial · No KYC to start · DPDP 2023 compliant

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

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

Engineered for builders. Loved by merchants.

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

UPI Intent. One-tap mobile checkout.

SHA-256 signed webhooks.

Three endpoints. That's the SDK.

Real-time analytics.

Money lands in your bank. No middleman wallet.

Works on every platform your business already uses.

Shopify

WordPress

SaaS

D2C Store

Custom Website

Five minutes. Four steps. Zero compliance theatre.

Sign up

Copy keys

Drop snippet

Get paid

Example D2C rollout: faster confirmation, lower ops load.

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

Quick answers, straight up.

Start accepting UPI in thenext five minutes.

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

Example D2C rollout:
faster confirmation, lower ops load.

Start accepting UPI in the
next five minutes.