Accept UPI Payments
Instantly with Finupi
Lightning-fast settlements, bank-grade secure APIs, and a zero-friction onboarding experience. Built for merchants, startups, and enterprises who need payments that just work.
- Fast Settlements
- Secure REST APIs
- 5-Minute Integration
- Merchant-Friendly Onboarding
Guaranteed availability with redundant infrastructure and real-time monitoring.
Instant payment confirmations delivered via webhooks to your system.
RESTful APIs, ready-made SDKs, and sandbox testing for rapid deployment.
Dedicated support team via phone, email, and live chat for every merchant.
Everything Your Business
Needs to Accept UPI
A complete payment infrastructure suite designed to scale with your business — from first transaction to millions.
UPI Collect
Initiate collect requests directly to any UPI ID. Perfect for subscription billing, invoicing, and B2B payments.
QR Payments
Generate dynamic and static QR codes for your store, website, or app. Works with all UPI-enabled apps.
Payment Links
Create shareable payment links in seconds. Send via WhatsApp, SMS, or email — no website needed.
Smart Dashboard
Real-time analytics, transaction reports, settlement tracking, and business insights — all in one place.
Real-time Webhooks
Instant event-driven notifications for every payment state — success, failure, refund, and more.
Secure Transactions
End-to-end encrypted payments, tokenization, and multi-layer fraud detection protect every transaction.
Instant Reconciliation
Automated daily reconciliation reports match every debit and credit. Zero manual effort, full accuracy.
Easy Settlements
T+1 and T+2 settlement cycles with flexible payout schedules directly to your bank account.
Go Live in
Under 24 Hours
From account creation to your first live payment — our streamlined onboarding gets you collecting payments fast.
Sign Up
Create your merchant account in minutes. Submit your KYC documents online — no branch visits required.
Integrate API / SDK
Use our REST APIs or pre-built SDKs for iOS, Android, and web. Full documentation and sandbox testing included.
Accept UPI Payments
Go live and start accepting UPI, QR, and payment link transactions from customers instantly.
Track & Settle Funds
Monitor every transaction on your dashboard. Automated settlements hit your bank account on schedule.
Built for Businesses
of All Sizes
Whether you're launching a startup or scaling an enterprise, Finupi adapts to your payment needs.
Startups
Affordable plans, easy integration, and the scalability to grow with you from MVP to product-market fit.
Explore plan →Ecommerce
Boost checkout conversions with UPI-first payment flows, dynamic QR codes, and one-click pay links.
Explore plan →Subscription Apps
Automate recurring UPI mandates. Reduce churn with reliable, on-schedule billing and instant retry logic.
Explore plan →Enterprises
Dedicated infrastructure, custom SLAs, volume pricing, white-label options, and a dedicated account manager.
Contact sales →EdTech
Handle course fees, batch enrollments, and scholarship disbursements with a compliant, scalable gateway.
Explore plan →Service Businesses
Generate payment links, accept deposits, and manage invoices for freelancers, agencies, and consultants.
Explore plan →APIs That
Developers Love
Clean, RESTful APIs with predictable responses, comprehensive error codes, and a sandbox environment so you can test before you ship.
- REST APIs with JSON payloads
- Event-driven Webhooks
- Full Sandbox Testing Environment
- SDKs for Node, Python, PHP, Java
- Postman collections included
// Initialize Finupi payment request
const finupi = require('finupi-node');
const client = new finupi.Client({
apiKey: 'fu_live_xxxxxxxxxx',
environment: 'production'
});
const payment = await client.payments.create({
amount: 149900, // Amount in paise
currency: 'INR',
upi_id: 'customer@upi',
order_id: 'order_2024_001',
description: 'Order Payment',
webhook_url: 'https://yoursite.com/webhook'
});
// Response
// { id: "pay_xxx", status: "pending",
// upi_deeplink: "upi://pay?...",
// expires_at: "2024-12-01T10:30:00Z" }Transparent Pricing.
No Hidden Fees.
Pay only for what you use. No setup fees, no monthly minimums on our Starter plan.
Starter
For new businesses & solo founders just getting started.
- ✓ UPI Collect & QR Payments
- ✓ Payment Links
- ✓ Basic Dashboard
- ✓ Webhook Support
- ✓ T+2 Settlements
- ✓ Email Support
- ✗ Custom Branding
- ✗ Dedicated Manager
Growth
For scaling businesses with higher transaction volumes.
- ✓ Everything in Starter
- ✓ Smart Analytics Dashboard
- ✓ Instant Reconciliation
- ✓ T+1 Settlements
- ✓ Priority Support
- ✓ Refund Management
- ✓ Custom Branding
- ✗ Dedicated Manager
Enterprise
For large businesses with high volume and custom requirements.
- ✓ Everything in Growth
- ✓ Dedicated Infrastructure
- ✓ Custom SLA Agreement
- ✓ Same-day Settlements
- ✓ Dedicated Account Manager
- ✓ White-label Options
- ✓ On-site Integration Support
- ✓ Custom Integrations
Payments Protected
at Every Layer
Finupi's security architecture meets the highest standards of the Indian payments ecosystem, ensuring every rupee transacted is fully protected.
All transaction data is encrypted in transit and at rest using industry-leading AES-256 encryption.
Real-time ML-based anomaly detection identifies and blocks suspicious transactions before they complete.
Fully compliant with RBI guidelines and NPCI's UPI security standards. PCI-DSS certified infrastructure.
Dispute resolution support, chargeback management, and a dedicated merchant protection programme.
Trusted by Thousands
of Indian Merchants
"Finupi's integration was the easiest payment gateway experience we've ever had. From API docs to live transactions in under an hour. The webhook reliability is exceptional — we haven't missed a single payment notification."
"We switched to Finupi six months ago and our payment success rates improved by 18%. The smart dashboard gives us exactly the insights we need, and T+1 settlements have genuinely improved our working capital management."
"Running a subscription service meant we needed reliable recurring payments. Finupi's UPI mandate feature is flawless. Failed payment retries happen automatically and their support team responded in under 10 minutes every time."
Frequently Asked
Questions
Most merchants are fully onboarded within 24–48 hours of submitting their KYC documents. Our digital-first onboarding process requires no physical visits — just upload your business registration, PAN card, bank details, and GST certificate (if applicable), and our team will verify and activate your account quickly.
Finupi is fully compatible with all NPCI-registered UPI apps, including PhonePe, Google Pay, Paytm, BHIM, Amazon Pay, WhatsApp Pay, and all major bank UPI apps. Your customers can pay from any UPI app of their choice — there are no restrictions on the customer side.
We offer REST APIs with comprehensive documentation, pre-built SDKs for Node.js, Python, PHP, Java, and React Native, and no-code plugins for Shopify, WooCommerce, and WordPress. Most developers complete the basic integration in under an hour using our Sandbox environment for testing before going live.
Settlement timing depends on your plan. Starter plan merchants receive funds on a T+2 basis (two working days after the transaction). Growth plan merchants get T+1 settlements. Enterprise customers can negotiate same-day settlement cycles. All settlements are directly credited to your registered bank account.
NPCI mandates a maximum UPI transaction limit of ₹1,00,000 per transaction for standard UPI payments. For UPI mandates (recurring payments), limits up to ₹15,00,000 are available for specific categories. Enterprise clients requiring higher limits for B2B transactions can apply for custom limit approvals through our compliance team.
Yes. Refunds can be initiated directly from your merchant dashboard or via API, and are typically processed within 5–7 business days to the customer's bank account. Our team also assists with chargeback disputes, providing documentation support and representing you through the resolution process.
All merchants receive email and chat support with a 24-hour response SLA. Growth plan merchants get priority support with a 4-hour response time. Enterprise clients are assigned a dedicated account manager with a direct phone line. We also have an extensive developer documentation portal and community forum for self-service support.
Ready to Collect
Payments Instantly?
Join thousands of Indian merchants who trust Finupi to power their UPI payment infrastructure. Setup takes less than 24 hours.