Next-Generation Robust UPI Gateway for Scalable Platforms
Automate collections and payouts with universal UPI Intent (PhonePe, Google Pay, Paytm, BHIM, CRED), instant dynamic auto-QR codes, crypto-grade anti-replay UTR verification, and automated settlements.
Engineered for Reliability & Speed
Built from the ground up to solve modern payment gateway challenges with direct bank intent links, anti-fraud algorithms, and multi-rail payouts.
Universal UPI Intent Dispatch
Directly open PhonePe, Google Pay, Paytm, BHIM, and CRED on customer phones with native Android package intents and iOS universal fallbacks.
Dynamic Auto-QR Engine
Automatically generates vector QR codes pre-filled with Order ID, exact amount, and payee VPA. Scannable with any mobile camera or bank scanner.
Anti-Fraud & Replay Guard
Cryptographic duplicate UTR detection instantly blocks bad actors from claiming multiple orders with a single bank reference number.
Automated Multi-Rail Payouts
Sub-users can register Bank Accounts (IMPS/NEFT), UPI VPAs, or Crypto USDT addresses to request instant payouts verified against live deposit balances.
Per-UPI Performance Analytics
Monitor transaction success rates, approved volume, and daily collections across individual UPI IDs in real time with sub-second telemetry updates.
10 Rotating Visual Checkout Themes
Every payment request automatically assigns a distinct, mobile-optimized checkout template to deliver maximum customer trust and conversion.
How KwikPay Operates
A high-velocity 3-step lifecycle connecting your platform, customer payment apps, and automated merchant settlements.
Create Payment Link
Your platform initiates a payment request with order details and your secret key (`X-Secret-Key`). The gateway instantly produces an 8-minute secured checkout page.
Customer Pays via UPI
Customer opens PhonePe, GPay, Paytm, BHIM, CRED or scans the dynamic auto-QR code on screen. Amount and references are auto-locked with zero user errors.
UTR Verification & Payout
Customer submits the bank UTR; the system authenticates against statements. Funds are instantly credited to merchant balance for real-time withdrawals.
Ready to Automate Your UPI Collections?
Sign in to your merchant workspace to generate instant payment requests, track live deposits in real time, configure payout accounts (Bank / UPI / USDT), and manage withdrawals.