Payment products Indian merchants actually use.

Hosted payment gateway

Customers pay on a secure UniWeb checkout with UPI, cards, net banking and wallets via Razorpay, Cashfree or PayU when your Live rails are activated. Test Mode uses Instant Test Pay so you can demo without real money.

• Test vs Live mode like major Indian gateways
• Method tabs with clear amount and fee split
• Customer name/phone captured for receipt lookup

Payment links

Create shareable links for invoices, deposits or one-time orders. Track views, status and settlements from the merchant dashboard — the workflow SMEs expect from Razorpay Payment Links.

• Expiry, amount and description controls
• WhatsApp-ready payment intents
• Webhook + in-app notifications on success

QR code payments

Fixed-amount, dynamic UPI and all-method QR journeys for shops, counters and field teams. Designed for high volume — up to 10 lakh small payments per day without UniWeb high-frequency account locks.

• Reusable counter QR
• Amount-entry dynamic QR
• Scan analytics on the QR record

Merchant API

REST API for payment links, transactions, balance and refunds with separate Test and Live credentials, HMAC webhooks and OpenAPI reference.

• Key + secret authentication
• Idempotent create flows
• Outbound webhook retries

Settlements & wallet

Successful collections credit the merchant wallet. Settle to a verified bank account on a T+N style schedule or manual Settle Now — with UTR tracking for ops.

• Available vs pending visibility
• Min settlement threshold
• Partner payout rails when keys are live

KYC & agreements

Entity-based document checklist, PAN/GST/Aadhaar flows, video KYC and electronic merchant agreement with IP, typed signature and downloadable PDF.

• Maker-checker admin review
• Live Mode gates before real money
• Named grievance officer on Contact

What matches big gateways — and what does not