What is UPI Gateways?

UPI Gateways is a payment infrastructure platform designed specifically for Indian merchants to collect payments via UPI instantly using dynamic QR codes and payment links.

How is this different from Razorpay or Cashfree?

Unlike generic gateways, we are 100% UPI-native. We offer zero-friction intent flows and real-time T+0 settlement directly to your bank account via your own VPA.

How to use a UPI payment gateway in a website?

To use our UPI payment gateway in your website, create a UPI payment order through our REST API. Then, either redirect the customer to the generated payment page or embed the dynamic QR checkout directly.

How to integrate UPI payment gateway in Android?

Use our REST API from your backend to create a payment order, then open the returned UPI Intent URL in your Android app to seamlessly trigger installed apps like GPay, PhonePe, or Paytm.

Is the UPI payment gateway free?

Yes, Matrix Pay offers Zero transaction fees on all standard UPI payments. You only pay a flat monthly SaaS subscription, making it extremely cost-effective for high-volume merchants.

How to add UPI payment gateway in WordPress?

You can integrate Matrix Pay into WordPress using our dedicated WooCommerce plugin, or by adding a custom payment script using our Payment Links API for easy checkout.

Which UPI gateway is best?

The best UPI gateway depends on your needs. Matrix Pay specializes in dynamic QR codes, zero-fee transactions, and smart routing, making it the top choice for merchants seeking 100% UPI-native solutions.

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UPI Payment Gateway Comparison: Which One is Right for Your Business?

Choosing a payment gateway in India can be overwhelming. Let's look at the leading providers and help you decide whether a generic provider or a UPI-native platform is best for your needs.

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Quick Comparison Table

Gateway

UPI Support

Settlement

Fees

Smart Routing

API Quality

UPI Gateways

Native UPI

T+0 to VPA

~0.8% flat

Yes (Multi-VPA)

Developer-first

Razorpay

Via Payment Pages

T+2 via nodal

2% + ₹3

Good

Cashfree

Via Payment Links

T+1/T+2

1.75%

Good

PayU

Via PG

T+1/T+2

1.99%

Average

What Makes UPI Gateways Different?

UPI-native architecture: Built specifically for UPI, eliminating the overhead of legacy card networks and providing a seamless checkout experience.
Direct VPA settlement: Funds are settled instantly and directly to your bank account via VPA, skipping the middleman nodal accounts.
Smart routing: Connect multiple collection accounts to bypass daily bank limits and maximize payment success rates dynamically.

When Should You Choose a Generic Gateway?

If your business model requires accepting international payments, credit cards, EMI options, or complex subscriptions across varied instruments, platforms like Razorpay or Cashfree are excellent choices. They offer a broad suite of tools that cater to every possible payment method globally.

However, if your customer base is strictly in India and you are a UPI-first business, using a generic gateway means paying a premium for features you don't use while experiencing slower settlements. For UPI-heavy volumes, UPI Gateways is the clear winner.

Frequently Asked Questions

What is the cheapest UPI payment gateway in India?

UPI-native gateways like UPI Gateways often provide flat rates (around 0.8%) without the overhead of standard credit card processors that charge 1.5% to 2% per transaction.

Which gateway offers the fastest UPI settlement?

UPI Gateways offers instant (T+0) direct settlement to your VPA, whereas generic gateways often use nodal accounts settling in T+1 or T+2 days.

Can I use multiple UPI accounts with a payment gateway?

Yes. Specialized solutions like UPI Gateways provide smart routing, allowing you to attach multiple VPAs to bypass bank collection limits.

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UPI Payment Gateway Comparison: UPI Gateways vs Razorpay vs Cashfree vs PayU