Receive Payments Instantly in
Your Bank with
0% Commission

PaymentSetu is a payment verification service that helps businesses receive and verify UPI payments instantly. Unlike traditional payment gateways, we don't process payments—instead, customers pay directly to your bank account, and we automatically verify these transactions and notify you via webhooks.

Key benefit: You receive money directly in your account with zero commission and no settlement delays.

Traditional payment gateways charge 2-3% commission and hold your money for 3-7 days before settlement. PaymentSetu is fundamentally different:

• Zero Commission: No transaction fees whatsoever
• Instant Settlement: Money goes directly to your bank account
• No Money Holding: We never touch your funds—we only verify transactions
• Full Control: Your money, your account, complete ownership

We're a verification service, not a payment processor, which makes us more cost-effective and faster.

The verification process is simple and automated:

• Step 1: You generate a unique QR code for your customer
• Step 2: Customer scans and pays directly to your bank account
• Step 3: Our service monitors your bank account and automatically detects the payment
• Step 4: We match the transaction with the QR code using UTR and amount
• Step 5: You receive instant webhook notification with payment details

The entire process typically completes within seconds of payment.

Absolutely yes. Security is our top priority:

• We use read-only access to check transactions—we cannot move or withdraw money
• All data is encrypted with industry-standard encryption (AES-256)
• We comply with banking regulations and data protection standards
• Your credentials are stored securely and never shared with third parties
• We only read transaction history—no access to modify anything

Think of it like checking your bank statement—we can see transactions but cannot perform any actions on your account.

Integration is simple and developer-friendly:

• Create an account and add your bank details
• Generate API keys from your dashboard
• Use our REST API to create QR codes (just one API call)
• Set up webhook URL to receive payment notifications
• Handle webhook data to complete orders

We provide comprehensive API documentation with code examples in PHP, Python, Node.js, and more. Most developers complete integration within a few hours.

Our system handles various payment scenarios intelligently:

• Exact match: Transaction is verified automatically and webhook sent immediately
• Partial payment: You'll be notified of the partial amount received
• Overpayment: You'll be notified of the excess amount
• Multiple payments: All transactions for the same QR are tracked

You have full visibility in your dashboard to see all payment details and can handle these cases according to your business policy. Since money comes directly to your account, you can easily issue refunds if needed.

No hidden charges. We believe in complete transparency:

• Zero transaction fees: No commission on any payment amount
• Fixed monthly/yearly pricing: Simple subscription plans based on your needs
• No setup fees: Start using immediately without any upfront cost
• No minimum transaction requirements: Use as much or as little as you need
• Free trial available: Test the service before committing

What you see in our pricing is exactly what you pay—nothing more.

We provide comprehensive support to ensure your success:

• WhatsApp Support: Quick responses via WhatsApp during business hours
• Email Support: Detailed assistance for complex queries
• API Documentation: Complete guides and examples for developers
• Knowledge Base: Self-service articles and tutorials
• Integration Help: Assistance with API integration
• Priority Support: Available for higher-tier plans

We typically respond within a few hours and are committed to resolving issues quickly.

You have full control over QR code validity:

• Default validity: Set an expiry time when creating the QR code
• Manual expiry: Mark a QR as expired anytime from your dashboard
• Auto-expiry: QR automatically expires after successful payment (optional)
• Reusable QRs: Create QR codes that accept multiple payments

We recommend setting appropriate expiry times based on your use case—shorter for one-time purchases, longer for invoices.

Yes! Your dashboard provides comprehensive insights:

• Transaction History: View all payments with detailed information
• Export Options: Download reports in CSV/Excel format
• Analytics Dashboard: Visual charts showing payment trends
• Search & Filter: Find specific transactions quickly
• Custom Date Ranges: Generate reports for any period
• API Access: Fetch transaction data programmatically

Perfect for reconciliation, accounting, and business analysis.