Direct UPI Payments. Zero Intermediaries. Zero Fees.
Receive customer UPI payments straight into your bank account. No aggregators taking 2–3% cut, no T+2 settlement delays, and instant cryptographic webhook verification.
How NiPay Works
Deterministic FIFO slot allocation pairs each payment with your active business VPA for 100% automated transfer attribution.
Create Payment Session
Your frontend or backend calls the NiPay SDK or REST API with the exact order amount. A unique session ID is allocated with your bank VPA.
Customer Scans & Pays
A high-contrast vector QR code is rendered instantly. Customer scans with PhonePe, Google Pay, or Paytm and transfers directly to your bank account.
Instant Credit & Webhook
Bank SMS or notification listener detects the credit in real-time. SSE stream updates the customer screen and fires an HMAC-SHA256 webhook to your server.
Enterprise UPI Architecture
Engineered from YouPI-PG's proven automated bank observation mesh.
0% Platform Cut
Direct peer-to-bank UPI transfers. Save up to ₹30,000 per ₹10,00,000 processed compared to traditional aggregators.
Dynamic Vector QR
Exact-paise SVG QR codes generated on the fly. Compatible with all NPCI-compliant UPI banking apps.
Real-time SSE Streams
Server-Sent Events push payment detection directly to checkout windows the second bank credit is detected.
HMAC-SHA256 Webhooks
Cryptographically signed payloads dispatch to your server for automated order and inventory fulfillment.
Manage Payments & Soundbox on the Go
Download the latest NiPay Android APK. Real-time bank credit audio alerts, instant transaction status, merchant dashboard, and integrated checkout testing right from your pocket.
Own Your Payment Infrastructure
Run your own private gateway locally or in production. Start processing zero-fee payments today.