Connect your business bank account or UPI apps (PhonePe, GPay, Paytm) with your website using our mobile listener gateway. Accept instant payments without high PG commissions.
MDR / Transaction Fee
Instant Webhook Speed
Uptime & Reliability
Designed for businesses, ecommerce stores, SaaS platforms, and mobile app developers.
Our Android listener app intercepts incoming payment SMS and app notifications from PhonePe, Google Pay, Paytm, and Bank apps in real time.
Get cryptographically signed (HMAC SHA-256) HTTP POST callbacks to your website server the second a payment is received.
Auto-matches incoming UPI UTR reference numbers and exact payment amounts with your pending customer order invoices.
Pair multiple mobile phones to a single merchant dashboard to handle high transaction volumes across multiple bank accounts.
No lost payments! If internet drops, our app queues notifications locally in SQLite database and syncs automatically when reconnected.
Clean REST APIs, NodeJS, PHP, and Python code snippets for quick 5-minute integration into any website or checkout flow.
Download our lightweight Android app on the phone receiving your business payment SMS / UPI notifications.
Use our API to generate dynamic UPI QR codes on your website checkout page for pending customer orders.
When customer pays, our app reads notification and triggers a instant webhook to fulfill the order automatically.
| Feature | UPI Gateway (Our Solution) | Traditional Payment Gateways |
|---|---|---|
| Transaction Fees | 0% Commission (Fixed Monthly) | 2% - 3% Per Transaction |
| Payout Settlement | Instant (Direct Bank Deposit) | T+1 or T+2 Days Settlement |
| Setup Time | 5 Minutes (No Paperwork) | 3-7 Days Approval Process |
| Security | HMAC Signed Webhooks | Standard API Tokens |
Got questions about PayPulse UPI? Find clear answers below.
PayPulse UPI is a B2B payment automation gateway. It connects your bank account or UPI apps (PhonePe, Google Pay, Paytm) with your website using an Android notification listener app.
When customers pay via UPI, funds land directly into your bank account with ₹0 commission (0% MDR fee), while our mobile listener intercepts payment notifications to send cryptographically signed HTTP webhooks to auto-fulfill orders on your website in under 500ms.
Unlike traditional payment gateways (like Razorpay or Cashfree) that hold merchant payouts for 24 to 48 hours, PayPulse UPI processes transactions peer-to-peer directly to your linked UPI ID or QR code. Funds land in your bank account immediately with zero payout hold.
PayPulse UPI supports notifications from all major Indian UPI apps including PhonePe, Google Pay, Paytm, BHIM UPI, Amazon Pay, as well as mobile banking apps from HDFC Bank, SBI Yono, ICICI Bank, Axis Bank, Kotak Bank, and Bank of Baroda.
Integration takes less than 5 minutes:
1. Register on PayPulse UPI to get your API Key & Webhook Secret Secret key.
2. Install our lightweight Android listener app on your payment notification phone.
3. Use our Node.js, PHP, or Python SDK code snippets to handle HMAC SHA-256 signed POST callbacks on your website.
Yes. PayPulse UPI does not process money, handle sensitive banking credentials, or hold merchant funds. All payments occur directly between customer bank accounts and your merchant bank account via official NPCI UPI infrastructure. Webhooks are cryptographically signed using HMAC SHA-256 to ensure data integrity.
Traditional payment gateways charge 2% to 3% transaction commission, delay payouts by 1-2 days, and require days of paperwork. PayPulse UPI offers 0% MDR fee, instant bank deposit, zero setup fee, and immediate activation.
