New The UroPay API — UPI checkout inside your own product

One UPI payment gateway. Pick your stage.

UroRelay relays payments from your phone with zero commission. The UroPay payment API puts UPI checkout inside your own product with full merchant stack.

Zero commission on UroRelay · No setup fee on the API · Live in minutes or in 5 working days

Two Products. One Decision.

Start where you are. Move when you outgrow it.

Tap a product to see it. Not sure? Answer two questions.

Free or UnlimitedNo KYC

UroRelay

Payments, relayed from your phone.

Zero commission, no paperwork. Your customer pays to your UPI directly and the credit SMS on your phone confirms the order.

₹0Commission
0KYC docs
Transactions
  • Payment Buttons for any website
  • Payment Links for WhatsApp and Instagram
  • Orders confirmed from the UPI credit SMS
  • Companion Android app for full automation
  • Money reaches your UPI account directly
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No documents · No KYC · Live in minutes

RecommendedLenient KYC

UroPay API

UPI checkout, inside your own product.

Best for restricted categories. You keep your checkout, your domain and your brand. Two endpoints and a webhook are the whole integration, on RBI-licensed aggregator framework.

KYCDecides your rate
T+3Settlement
2Endpoints + webhook
  • Your own checkout, domain and brand
  • REST API over HTTPS, HMAC-signed requests
  • Signed webhooks plus authoritative order lookup
  • Separate TEST and PRODUCTION keys
  • KYC decides the rate — upgrade any time
Explore The UroPay APISee The API

Live in 5 working days · Audit + contract · No setup fee

UroPay is not a Payment Aggregator. The UroPay API runs on Paymentz (Payment Gateway Solutions Private Limited), an RBI-licensed Payment Aggregator's infrastructure.

Trusted by 1,000+ businesses across India

Google PayPhonePePaytmBHIMAmazon Pay

Which One Fits Me

Two products, side by side.

Feature
UroRelayPhone-relayed, no KYC
UroPay APIYour own checkout
Commission
Zero
KYC decides the rate
KYC
Not needed
Optional — sets your rate
Where money lands
Your UPI account, instantly
Your bank account, T+3 or T+5
Who owns the checkout
UroPay-hosted button or link
You do — your domain, your brand
Setup effort
Paste a snippet, no code
Two endpoints and a webhook
Time to live
Minutes
3-5 working days
Best for
Creators, freelancers, side projects
Restricted Categories

One question, one answer.

Want zero commission and no KYC?

Features

Everything you need to collect UPI, at every stage.

No KYC needed

Start collecting on UroRelay without documents. The customer pays to your UPI account directly.

UroRelayUroPay API

Zero commission

Every rupee your customer pays reaches you. You subscribe to a plan and keep the rest.

UroRelay

SMS-confirmed orders

The Companion Android app reads the UPI credit SMS and confirms the order the moment money arrives.

UroRelay

Your own checkout

Create an order, redirect to the returned URL, confirm the status. Order state lives in your database.

UroRelayUroPay API

Signed webhooks

Notifications on PAID, FAILED and EXPIRED, with an authoritative order lookup as the source of truth.

UroRelayUroPay API

Links and buttons

Share a payment link on WhatsApp or Instagram, or paste a payment button onto any website. No developer needed.

UroRelayUroPay API

Bank settlement

Funds reach your bank account on T+3 and T+5 on the API, depending on KYC.

UroPay API

Who It Is For

Built for every kind of business.

Digital products & courses

Sell courses and downloads with UroRelay at zero commission, and move to the UroPay API when volumes grow.

Sellers & freelancers

Share a payment link on Instagram or WhatsApp and collect in seconds. No website required.

Developers & platforms

Build the checkout yourself on the UroPay API — signed requests, webhooks, your own order IDs.

Read the API docs →
Testimonials

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

FAQ

Questions people actually ask.

UroRelay is the new name for the zero-commission, SMS-confirmed product you may know as UroPay. UroPay is the brand behind UroRelay and the UroPay API. Nothing changes for existing accounts.

Pick your stage and start collecting.

Read the API specifics on the UroPay API page, or go live on UroRelay in the next 10 days.

No setup fee · Website audit and contract for the API · Zero commission on UroRelay

UroPay APIStart Free
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