0% FEE UPI payments straight to your bank account

The UPI payment gateway for growing Indian businesses

Show your customers a UPI QR with the exact amount, let them pay from any UPI app, and receive the money instantly in your own bank account — with orders, payment links, webhooks and a clean dashboard on top.

Zero transaction fee Money never passes through us Free test mode
Customers pay with any UPI app Google PayPhonePePaytmBHIMAmazon PayBank UPI apps
0%fee on every UPI payment
Instantmoney lands in your own bank
5 minto your first test payment
24×7signed webhooks with auto-retry
Products

Everything you need to get paid by UPI

Sell on a website, an app, Instagram, WhatsApp or across the counter — every payment arrives straight in your bank account.

UPI Checkout

A dynamic UPI QR with the exact amount on desktop and a one-tap "Open UPI app" button on phones. Drop it into your site with checkout.js.

Payment Links

Create a link in seconds and share it over WhatsApp, SMS or email. Fixed or customer-entered amounts, one-time or reusable.

Verified payee

Every merchant UPI ID is checked by our team, and customers see the verified name before they pay — no wrong-account payments.

UTR matching

Customers submit the 12-digit UPI reference; you match it against your bank in one click. Duplicate UTRs are blocked automatically.

Webhooks & alerts

HMAC-signed events for your server and an email alert the moment a payment needs your confirmation.

Dashboard

Live collections, search by UTR, CSV export, refunds log, API keys, two-factor sign-in and a full activity log.

How it works

Live in three simple steps

Start testing today; go live once your KYC and UPI ID are verified.

Sign up & test

Create your account in two minutes and try the full flow in test mode with sandbox API keys — no money moves.

Add your UPI ID

Submit your PAN and business details, add your business UPI ID, and our team verifies both.

Share & get paid

Send payment links or add checkout.js to your site. Customers scan, pay, and the money is in your bank instantly.

For developers

An API you'll actually enjoy using

Clean REST endpoints, predictable JSON and amounts in paise. Every payment carries its UPI reference (UTR), and your server hears about it through signed webhooks.

  • Orders, Payments, Refunds & Payment Links APIs
  • Separate test & live keys with isolated data
  • HMAC-SHA256 signed checkout responses & webhooks
  • Works with PHP, Node.js, Python, Java, Go — anything that speaks HTTP
Read the docs →
# Create an order (server-side)
curl -u snx_live_xxx:SECRET \
  -X POST https://pay.sukhnexus.com/api/v1/orders \
  -H "Content-Type: application/json" \
  -d '{"amount": 249900, "currency": "INR",
       "receipt": "KO-1042"}'

# Response
{
  "id": "order_Lx8Qe2Rk91AbCd",
  "amount": 249900,
  "status": "created",
  "checkout_url": "https://pay.sukhnexus.com/checkout/order_…"
}
Security & trust

Safe for you and your customers

Built around how UPI really works — and how UPI scams work.

We never hold your money

UPI payments go directly from the customer's bank to yours through NPCI.

Verified UPI IDs

Merchant UPI IDs are checked before they go live; customers see the verified payee name.

Signed everything

HMAC-SHA256 signatures on checkout responses and webhooks prevent tampering.

Locked-down accounts

Two-factor sign-in, login lockout, encrypted secrets and a full audit log.

Pricing

UPI is free. So are we.

No transaction fee, no setup fee, no annual maintenance charge.

UPI GatewayFor every business
0%
per transaction — money lands in your own bank
  • UPI checkout with dynamic QR & app intent
  • Payment links, refunds log & webhooks
  • Dashboard, API keys & email alerts
Create free account
Enterprise
Custom
For high-volume businesses
  • Multiple brands & UPI IDs
  • Integration help
  • Priority support
Talk to us
FAQ

Questions, answered

Where does the money go?

Straight from your customer's bank account to yours through UPI. SukhNexus never receives or holds your money, so there are no settlements to wait for.

Which payment methods are supported?

UPI only — customers pay from Google Pay, PhonePe, Paytm, BHIM, Amazon Pay or any bank's UPI app by scanning the QR, or by tapping "Open UPI app" on their phone.

How is a payment confirmed?

After paying, the customer enters the 12-digit UTR (UPI reference) shown in their app. You get an email, check the credit in your bank app and approve it with one click — your website is then notified automatically.

Is there really no fee?

Yes. UPI is a zero-MDR payment method in India and we don't add a per-transaction charge.

What do I need to get started?

Your PAN, business address, bank account details and a business UPI ID. Everything is submitted online and verified by our team.

Do I need a website?

No. With Payment Links you can collect payments over WhatsApp, SMS or email without writing any code.

Ready to accept UPI with SukhNexus?

Create your free account and make your first test payment in the next five minutes.