Direct UPI 2.00% Gateway Fees • Direct Bank Settlement
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Direct-to-Bank UPI Rails•0% Gateway Fees

Financial infrastructure fordirect UPI payments.Zero gateway fees.

Collect direct UPI and IMPS bank transfers with automated real-time reconciliation, signed HMAC webhooks, and 0% intermediary deductions.

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0%

Transaction fees

T+0

Instant bank credit

Direct

Non-custodial rail

10:42 AM
LTE
MyMobPay MarkMyMobPay

Direct bank checkout

Total dueDirect bank rail
₹500.00
Paying to:Merchant Store
Instant UTR auto-verification

Tap or scan with any UPI app

GPayPhonePePaytmBHIM
256-bit direct bank encrypted

Engineered for Indian Indie SaaS Founders, Developers & Digital Product Creators

Direct Bank Account Credit (Non-Custodial)
Universal UPI QR (GPay, PhonePe, Paytm, BHIM, Cred)
Automated UTR Match via Bank Notification
Cryptographic HMAC-SHA256 Webhooks
Merchant console

Full visibility into payments and settlements

Monitor real-time payments, webhook delivery logs, and bank reconciliations from a single console.

Live

Total revenue

₹4,82,500

+12.4%

Transactions

1,842

+8.1%

Success rate

99.98%

+0.02%

Avg. settlement

0.0s

Real-time

Revenue (last 30 days)

Live
Aug 1Aug 7Aug 14Aug 21Aug 26

Recent settlements

T+0 IMPS

ORD_9821

(12s ago)

kunal@okhdfcbank

₹1,499

Settled (0% fee)

ORD_9820

(1m ago)

aarav@okaxis

₹4,999

Settled (0% fee)

ORD_9819

(3m ago)

priya@ybl

₹2,499

Settled (0% fee)

ORD_9818

(6m ago)

rohit@paytm

₹999

Settled (0% fee)

Settlement Escrow

Non-Custodial

Webhook Signing

HMAC-SHA256

Settlement Speed

T+0 Direct Bank

SUPPORTED RUNTIMES & PROTOCOLS:
Next.js 14/15Node.jsPythonPHPcURL / RESTHMAC Webhooks
DEVELOPER-FIRST INFRASTRUCTURE

Embed direct UPI checkout
with clean REST APIs & webhooks.

Integrate direct-to-bank settlements in under 15 minutes. Eliminate the 2% aggregator deduction with standard HTTP REST endpoints, copy-paste snippets, and signed HMAC-SHA256 webhooks.

REST API

Standard HTTP JSON endpoints for order creation, dynamic UPI QR generation, and real-time status verification. No heavy proprietary SDK required.

View API snippets

RESTful Endpoints

Deterministic, idempotent HTTP APIs for order creation, dynamic QR generation, and real-time status verification.

API Reference

Real-time Webhooks

Cryptographically signed HMAC-SHA256 event notifications dispatched straight to your server with automated retries.

Webhook Guide

Try it out for yourself

Live Production API
request.sh
curl -X POST https://api.mymobpay.tech/api/orders \
  -H "Authorization: Bearer sec_live_948a201..." \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 1499,
    "note": "Pro SaaS Monthly Plan",
    "customer_name": "Kunal Chauhan",
    "customer_phone": "9876543210",
    "callback_url": "https://yourapp.com/api/webhook"
  }'
POST /api/webhooks/settlement • 200 OK14ms latency
Header: x-mymobpay-signature: sha256=9f8a...HMAC Verified ✓
{ event: "payment.settled", utr: "329184029182", net: 1499.00, fee: 0.00, route: "direct_bank" }
TRANSPARENT REVENUE RETENTION

See how much revenue
you retain every month.

Adjust your monthly transaction volume to see the compounding difference between standard 2% + GST gateway deductions versus MyMobPay direct passthrough.

Monthly Collection Volume:₹5.0 Lakhs
₹1 Lakh₹25 Lakhs₹50 Lakhs+
Traditional Gateways (2% + 18% GST)
-₹11,800/mo
MyMobPay Flat License
₹499.00/mo (Fixed)
Net Monthly Capital Retained96% RETAINED
₹11,301/ month retained

Over a 12-month period, you retain ₹1,35,612 that would otherwise be captured by intermediaries.

Start retaining 100% of revenue →
REAL-WORLD DEPLOYMENTS

See MyMobPay in action.

Trusted by SaaS founders, indie developers, and growing businesses across India to power direct UPI checkout.

Customer scanning MyMobPay QR code on tablet
Instant Dynamic QR

Seamless scan and pay

Customers scan dynamic QR codes using Google Pay, PhonePe, Paytm, or CRED with immediate payment verification.

Payment rail: UPI 2.0Instant verification
Founder using MyMobPay merchant dashboard on laptop
Merchant console

Real-time revenue analytics

Track incoming bank transfers, inspect webhook dispatches, and audit reconciliations without third-party delay.

Escrow hold: 0 daysDirect bank route
Happy customer and business owner completing payment
Customer experience

Frictionless checkout

Deliver higher checkout conversion rates by avoiding redirect hops and aggregator escrow holding periods.

Universal UPI supportZero Aggregator Escrow
CORE ARCHITECTURE

Direct infrastructure and cryptographic security.

Engineered from the ground up for high-throughput merchants requiring deterministic uptime and zero intermediary custody.

Direct bank routing

Customer payments settle directly into your current account via NPCI IMPS rails without intermediate escrow holding.

HMAC-SHA256 signatures

Every webhook event dispatch carries an immutable cryptographic signature, preventing spoofing and replay attacks.

Isolated staging sandbox

Develop, test, and iterate your checkout flows using test UPI VPAs with simulated instant settlement responses.

Zero T+2 holding

Retain full working capital liquidity with instant T+0 settlement instead of standard 48-hour aggregator delays.

SUBSCRIPTION TIERS

Simple, transparent pricing for any scale.

Prototyping is 100% free forever in sandbox. Scale to live production with flat monthly licensing and zero gateway percentage fees.

Standard Pro Monthly Plan: 499₹/mo. 0% MDR • 700 Trx / Month