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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What is UPI? A Complete Guide for Indian Merchants

Everything you need to know about India's revolutionary payment system: how it works, its limits, and how to start accepting payments for your business.

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UPI Definition

UPI (Unified Payments Interface) is an instant real-time payment system developed by the National Payments Corporation of India (NPCI). It allows users to transfer money between bank accounts immediately, using a smartphone and a Virtual Payment Address (VPA) or UPI ID, without entering traditional bank details.

How a UPI Transaction Works

The flow of a seamless UPI payment takes only seconds:

Customer opens their preferred UPI app (GPay, PhonePe, Paytm).
Customer enters the merchant's VPA or scans a dynamic QR code.
Customer verifies the amount and enters their secret UPI PIN.
The bank instantly debits the customer and credits the merchant (typically < 30 seconds).
The merchant's server receives a webhook confirming the success of the transaction.

UPI Transaction Limits in 2026

Type

Per Transaction

Per Day

Standard UPI

₹1,00,000

UPI Lite

₹500

₹2,000

UPI 123Pay

₹5,000

UPI Apps Supported

Google Pay

PhonePe

Paytm

BHIM

Amazon Pay

How Merchants Accept UPI

Merchants can accept UPI in a variety of ways depending on their infrastructure:

Direct VPA: Simply sharing a UPI ID for manual transfers.
Static QR Codes: Printing a QR code for in-store payments.
Payment Links: Generating links with pre-filled amounts to share on WhatsApp or Email.
API Integration: Automating dynamic QR generation and intent flows within an app or website using a UPI payment gateway.

FAQ

Is UPI free for merchants?

Direct UPI transfers are typically free, but using a robust payment gateway to automate reconciliation, handle webhooks, and generate dynamic QRs involves a small platform fee.

What is a VPA (Virtual Payment Address)?

A VPA is a unique identifier (like yourname@bank) that lets you send and receive money via UPI without sharing your actual bank account number and IFSC code.

Can I accept UPI payments without a website?

Yes, you can use our free UPI Payment Link Generator to create static or dynamic payment links and share them via WhatsApp, SMS, or email.

Create Your First Payment Link

Try our free tool to generate a UPI payment link instantly.

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What is UPI Payment? How UPI Works for Indian Merchants