Two products.
One UPI ecosystem.

Whether you need zero-commission simplicity or a full merchant stack with bank settlement - there is a UroPay product built for your stage.

UroPayFREE or UNLIMITED

Zero Commission.
No KYC Needed.

Accept UPI payments via Payment Buttons, Payment Links or API. No bank account, no paperwork. Start earning in minutes.

₹0
commission
0
KYC docs
transactions
  • check_circlePayment Buttons for any website
  • check_circleShareable Payment Links
  • check_circleREST API for Integration
  • check_circleInstant SMS payment confirmation
  • check_circleDeveloper API & Webhooks
Get Started With UroPay

No documents · No KYC · Live in minutes

UroCentroBY ZOHO PAYMENTS

Full UPI Stack.
Bank Settlement.

The complete UPI merchant stack with full intent flow, T+1 bank settlement, and higher transaction limits. Powered by Zoho Payments an RBI Licensed Payment Aggregator.

0.5%
+GST commission
T+1
settlement
Full
UPI Intent
  • check_circleFull UPI Intent Flow
  • check_circleT+1 Bank Account Settlement
  • check_circleKYC approved in 4 days
  • check_circleHigher Transaction Limits
  • check_circleEnterprise SLA Support
Know More

KYC required · T+1 bank settlement · Enterprise SLA

Trusted by 1,000+ businesses across India

UroPay+Zoho Payments

UroCentro is a partnership product - your payment aggregator account is opened and maintained by Zoho Payments, an RBI-licensed payment aggregator.

Grow Your Business 5x
with the Right Payment Tools

Features designed for every stage - from hobbyist to full merchant operations.

No KYC Needed

verified_user

UroPay is a platform to enable UPI payments for individuals and businesses. The customer pays to your account directly. No intermediaries. No KYC.

UROPAY

Zero Commission

percent

Every rupee your customers pay goes directly to you. You subscribe to a plan and start accepting payments.

UROPAY

Full UPI Intent

electric_bolt

Complete UPI Intent flow with app redirect and deep link support for the full checkout experience.

UROCENTRO

Payment Links

link

Collect payments from your customers in seconds. Create a payment link and share it with your customers to pay via UPI on social media platforms or messaging apps.

UROPAYUROCENTRO

Payment Buttons

b_circle

Add a Payment button to any website and start accepting payments in seconds. No technical knowledge or developer required.

UROPAYUROCENTRO

Order Confirmation

inventory_2

For full automation, install the UroPay Companion App — it instantly confirms orders when the UPI credit SMS arrives on your phone. If you prefer not to use the app, the system will confirm the order automatically once the customer enters their UPI Reference Number, and you’ll receive a payment notification.

UROPAY

T+1 Bank Settlement

account_balance

Funds settled directly to your bank account the next business day. Enterprise-grade reliability.

UROCENTRO

Recurring UPI Transactions

cycle

Setup Autopay for subscriptions for your SaaS products, using UPI, for EMIs, premiums, and subscriptions.

UROCENTRO

Highest Success Rates

flag_check

Zoho Payments offers highest success rates for the UPI transactions. No more drop-offs and no more abandoned cart issues for your website.

UROCENTRO

Built for Every Kind of Business

From individual creators to developer platforms - UroPay fits your workflow.

Digital Products & Courses

school

Sell digital products, online courses, and downloads. Collect UPI payments instantly with no commission and no KYC hassle with UroPay. Expand your business with UroCentro anytime you want.

Online Sellers & Freelancers

storefront

Share a Payment Link on Instagram, WhatsApp or Facebook. Sell courses, services, or products - collect payments in seconds.

Developers & Platforms

code

API-first integration with webhooks and order management. Zero commission on UroPay and 0.5%+GST with UroCentro. Works with any website or app stack.

Not sure which product fits?

Compare UroPay and UroCentro side by side and pick the one that fits where you are today.

Feature
UroPayNo-KYC Gateway
UroCentroFull UPI Stack
Commission
Zero
0.5% + GST
Payment Methods
payments UPI only
payments UPI only
KYC Required
check_circle Not needed
verified Full KYC
Settlement
Direct to UPI
Bank account (T+1)
UPI Intent Flow
Via QR / Link / Button
electric_boltFull Intent
Transaction Limits
Standard UPI limits
Higher limits
Support
WhatsApp / Email Support
Enterprise SLA by Zoho Payments
Best for
Creators, freelancers, side projects, restricted categories
Growing businesses, higher volumes, allowed categories
Choose what fits your stage
info

Looking for Cards, Net Banking or Wallets along with UPI?   Connect with me to know more →

Trusted by Users across India

I have integrated UroPay into several client platforms now, and the experience has been seamless. The API is straightforward, and the webhook system makes automating order fulfillment a breeze. What sets UroPay apart is not just the zero-commission model, but the personalised support. Gaurav is always available to help troubleshoot and ensure everything runs smoothly. It is rare to find a founder so dedicated to the success of the developers using his platform.

AD
Amitava Dutta
Developer

I heard about UroPay from Reddit, and it has enabled me to earn extra income from selling online courses in my spare time. Gaurav has been very helpful and responsive to all my queries even on the Free Plan.

MS
Martand Singh
Student, Udaipur

UroPay has been a genuinely smooth payment experience. Gaurav is responsive, professional, and actually helpful when something comes up. Honest about what the product does, easy to work with. Hard to find a payment partner like this. Recommended without hesitation.

AS
Ashutosh Sharma
Parikshanam

I sell Carnatic music lessons online and was struggling with payment. Since switching to UroPay the zero-commission promise means I keep every rupee I earn, which matters a lot when margins are tight for independent tutors.

PK
Padmavathi Krishnan
Music Tutor, Chennai

We run a subscription newsletter on personal finance for salaried professionals. Our readers pay with UPI and it just works. The best part is that the money is directly credited to our account.

I built a digital art marketplace for Indian illustrators and needed a payment layer that would not eat into the artists' earnings. UroPay was the only option that truly meant zero commission. Integration was clean and the webhook docs are accurate. My sellers have not complained about a single failed payout.

I offer chartered accountancy exam prep through a self-hosted platform. UroPay let me go live with paid courses without moving to a third-party learning management system. Students pay via UPI, I get money in my account instantly, and access is unlocked automatically through the API. Exactly what a solo educator needs.

SM

My fitness coaching business moved entirely online after 2020. I was paying a sizeable cut to every platform I tried. UroPay changed that completely. I now sell monthly workout plans and diet guides and keep everything. The payment page looks professional, clients trust it, and Gaurav actually replies on WhatsApp when I need help.

We publish regional language e-books for students preparing for state board exams. Our buyers are cost-sensitive and many do not have credit cards. UroPay's UPI-first approach converted buyers who would have dropped off elsewhere. Revenue in the first month after switching was noticeably higher as there is no commission like other payment gateways.

I teach Kathak online and wanted to sell recorded workshop bundles without relying on YouTube memberships. UroPay gave me a proper payment flow that I could embed directly on my website. The whole setup was done in an afternoon. Students appreciate how quick and familiar UPI feels, and I appreciate not paying commission on every sale.

DP

My team builds custom WordPress plugins and we added UroPay as a payment option for one of our clients selling premium templates. The documentation was clear, the sandbox environment worked exactly like production, and the go-live was without incident. Our client was happy, which means we were happy. Will use again on future projects.

I created a job board focused on tier-2 and tier-3 city hiring. Employers pay a small listing fee and UroPay handles all of it without complaint. It is quietly reliable infrastructure, which is exactly what you want from a payment provider.

SB
Supriya Banerjee
Startup Founder, Kolkata

I sell astrology readings and birth chart reports online. My audience is largely from small towns and prefers UPI over cards. UroPay's payment buttons are really easy to add to my website. Clients book sessions and pay in under a minute. Will recommend UroPay to all.

We offer online mock tests for government exam aspirants. Volume is high and margins are thin, so every percentage point of commission matters. UroPay's zero-commission model let us price our tests more competitively while still being sustainable.

PG

My startup sells legal document templates for small businesses - NDAs, service agreements, freelance contracts. Our buyers are price-sensitive and every rupee of overhead shows. UroPay was the obvious choice. The API is stable, support is real, and not once has a transaction sat in a pending state without resolution. Solid foundation to build on.

AT
Avinash Tripathi
LegalTech Founder, Delhi

I teach spoken English online to first-generation learners from rural areas. Most students pay in instalments of a few hundred rupees. UroPay handles small-value UPI transactions without any minimum threshold headaches, and the money reaches me instantly. It has genuinely helped me scale to more students.

RD

The simplest way to sell online with UPI Payment Gateway - without KYC or with Enterprise SLA

Generate Payment Buttons or Payment Links

Sign up with UroPay or Zoho Payments to increase your business, generate payment buttons or payment links, and start accepting payments instantly.

Embed the Payment Button on your website or Share the Payment Link on Instagram, Facebook or WhatsApp

You can start accepting UPI Payments by embedding the Payment Button on your website or sharing the Payment Link on Instagram, Facebook or WhatsApp for your customers to make UPI-based payments. No developer needed.

Monitor & Automate

To fully automate your website or app, install the UroPay Companion App. It instantly confirms orders when the UPI credit SMS arrives on your phone. With Zoho Payments, you do not need to install any app. It is all handled by their payment aggregator API system.

Click to download the UroPay Companion App from Play Store

<Need more control? Use UroPay's Developer-crafted API>

Simple API to integrate UroPay

API Reference

Comprehensive UPI Payment API documentation to build powerful payment solutions

View Docs
Webhooks for realtime information

Webhooks

Receive real-time notifications for all payment related transactions.

View Docs
UroPay Generate Order API Call
Partnership Program

Build on the UroPay API

Integrate UPI payments directly into your platform with developer-first API. Zero transaction fees, reliable webhooks, and dedicated partner support, so you can focus on building your core product.

apiRESTful API with full webhook support
speedPartner API. Call UroPay API directly from your own Platform and onboard your users
trending_up₹50 per user per month invoiced for Growth Plan.
all_inclusive₹500 per user per month invoiced for UNLIMITED plan.
currency_rupee₹1000 per month, paid in advance for 12 months, to enroll in the Partnership Program.
₹50/userGrowth Plan For Your Users
₹500/userUnlimited Plan For Your Users
APIFirst Design
email gaurav@uropay.me
whatsapp