Accept UPI payments straight into your bank. Pay once. Keep 100% forever.
UPIstar turns your existing UPI ID into a complete payment gateway: dynamic QR codes, payment links, instant webhooks and auto-confirmed orders. No commission, no settlement delays, no monthly bills.
- Money settles to your bank instantly
- No rolling reserve
- Live in under 10 minutes
Your customers pay with the app they already use
Google Pay PhonePe Paytm BHIM Amazon Pay Any bank UPI appA payment gateway that never takes a cut
A typical payment gateway keeps 2% of every sale, holds your money for days and charges for extras. UPIstar works differently.
Direct-to-bank settlement
Customers pay your own UPI ID, so the money moves from their bank to yours in seconds. UPIstar never holds your funds.
0% transaction commission
Sell ₹10,000 or ₹10 crore a month and you still pay nothing per transaction. Your only cost is the one-time lifetime licence.
No reserves, no surprises
No security deposit, no rolling reserve, no setup fee, no annual maintenance charge and no renewal. One price, once.
From sign-up to first payment in three steps
Connect your UPI ID
Add the merchant or business UPI ID linked to your bank account. You can add several and UPIstar will balance payments across them.
Create an order
Call one API endpoint, install the WooCommerce plugin, or share a payment link. Your customer gets a branded checkout with a dynamic QR.
Get paid and notified
The payment lands in your bank. UPIstar verifies it, marks the order paid and sends a signed webhook to your server instantly.
Every feature, unlocked for life
No tiers and no add-ons. Your lifetime licence includes the whole platform, plus every feature we add later.
Dynamic QR codes
A unique QR and UPI intent link for every order, with the exact amount pre-filled.
Real-time webhooks
Signed JSON callbacks with UTR, amount and order ID, retried automatically if your server is down.
Simple REST API
Create orders and check status with clean endpoints. Samples in PHP, Node.js, Python, Go and Java.
WooCommerce plugin
Install, paste your key, done. Orders are marked complete automatically when payment lands.
Payment links
Unlimited shareable links for WhatsApp, Instagram, email or SMS. No website needed.
Digital storefront
Sell e-books, courses, templates and services from a hosted store page with instant UPI checkout.
Multi-UPI routing
Connect multiple UPI IDs and spread incoming volume across them to stay within bank limits.
UTR verification
Match a customer's UTR to a pending order in one click when someone pays outside the flow.
Transaction dashboard
Filter by date, status, order ID or UPI ID. Export to CSV for your accountant.
Instant alerts
Email alerts for every payment, failed webhook, or when a UPI ID nears its daily limit.
Sandbox mode
Test the full flow with simulated payments before you take a single real rupee.
Branded checkout
Your logo, your colours and your business name on every payment page.
Integrate in an afternoon, not a sprint
One request creates an order and returns a hosted payment URL plus a raw UPI intent. Redirect the customer, wait for the webhook, and ship.
- Bearer-token authentication over HTTPS
- HMAC-SHA256 signed webhooks with automatic retries
- Idempotent order creation, so a double click never charges twice
- Webhook delivery log you can replay from the dashboard
const res = await fetch('https://api.upistar.in/v1/orders', { method: 'POST', headers: { Authorization: `Bearer ${process.env.UPISTAR_KEY}`, 'Content-Type': 'application/json', }, body: JSON.stringify({ order_id: 'INV-1042', amount: 1499, customer_name: 'Priya Rao', redirect_url: 'https://yourshop.in/thanks', }), }); const { data } = await res.json(); // Send the customer to data.payment_url
$ch = curl_init('https://api.upistar.in/v1/orders'); curl_setopt_array($ch, [ CURLOPT_POST => true, CURLOPT_RETURNTRANSFER => true, CURLOPT_HTTPHEADER => [ 'Authorization: Bearer ' . getenv('UPISTAR_KEY'), 'Content-Type: application/json', ], CURLOPT_POSTFIELDS => json_encode([ 'order_id' => 'INV-1042', 'amount' => 1499, 'customer_name' => 'Priya Rao', ]), ]); $order = json_decode(curl_exec($ch), true); header('Location: ' . $order['data']['payment_url']);
import os, requests r = requests.post( "https://api.upistar.in/v1/orders", headers={"Authorization": f"Bearer {os.environ['UPISTAR_KEY']}"}, json={ "order_id": "INV-1042", "amount": 1499, "customer_name": "Priya Rao", }, timeout=15, ) payment_url = r.json()["data"]["payment_url"]
// POST to your webhook URL { "event": "payment.success", "order_id": "INV-1042", "amount": "1499.00", "currency": "INR", "status": "success", "utr": "402188761290", "payer_vpa": "priya@okbank", "paid_at": "2026-11-06T10:42:18+05:30" } // Header: X-UPIstar-Signature: sha256=…
Whatever you sell, get paid the UPI way
🛍️ E-commerce stores
WooCommerce, custom carts and headless stores with auto-confirmed orders.
🎓 Coaches & creators
Sell courses, cohorts and digital downloads without losing a cut to platforms.
💻 SaaS & apps
Collect one-time payments and top-ups from Indian users with a simple API.
🧾 Services & agencies
Send invoices with a payment link and know the moment they are paid.
Built to stop fake "payment done" screenshots
Every payment is confirmed against the actual bank credit before an order is marked paid. Screenshots and edited messages don't count.
- UTR-based verification against real credits
- Duplicate and replay detection on every transaction
- Exact-amount matching with per-order unique references
- API keys you can rotate anytime, plus an IP allow-list
- All traffic encrypted with TLS 1.2+
Fraud guard
Flags mismatched amounts and repeat UTRs automatically.
Signed callbacks
Verify every webhook with your secret key.
Uptime monitoring
Continuous health checks on API and webhook delivery.
Full audit trail
Every order, retry and status change is logged.
One plan. One payment. Yours for life.
No monthly fees and no per-transaction commission. Pay ₹7,800 once and use UPIstar forever.
Lifetime Plan
Everything UPIstar offers, today and in the future.
- Unlimited transactions & volume
- Unlimited payment links & storefront products
- Unlimited UPI IDs with smart routing
- Full API, webhooks & WooCommerce plugin
- Lifetime updates & priority support
How much will you save?
Compare UPIstar with a gateway that charges a percentage per transaction.
Estimate only. Actual fees at other providers vary by plan and payment method.
Questions, answered
Does UPIstar hold or touch my money?
No. Customers pay directly to the UPI ID linked to your bank account. UPIstar only creates the payment request, detects the credit and notifies your system. Your funds never pass through us.
Is the ₹7,800 really a one-time payment?
Yes. There is a single Lifetime plan. You pay once and get permanent access, with no renewals, monthly charges or per-transaction commission.
Which UPI apps can my customers use?
Any UPI app, including Google Pay, PhonePe, Paytm, BHIM, Amazon Pay and every bank's own UPI app. Customers scan the QR or tap the payment link on mobile.
Do I need a website to use UPIstar?
No. You can use payment links and the hosted storefront to sell over WhatsApp, Instagram or email. A website just adds the API and plugin options.
How fast are orders confirmed?
Usually within seconds of the customer completing the payment. The webhook fires as soon as the credit is verified.
What kind of UPI ID do I need?
We recommend a merchant or business UPI ID from your bank for higher daily limits. See our Help Center for setup guides, or call us on 1800 909 111.
Stop paying commission on your own sales.
Join UPIstar today for a one-time ₹7,800. Need help deciding? Talk to us toll-free on 1800 909 111.