UPI payments, routed through their best path.
Accept UPI from every app your customers already use â scan a QR or pay in one tap with Google Pay, PhonePe, Paytm or BHIM. Zoopay routes each payment across multiple UPI gateways and reroutes around a stalled one before your customer ever notices.
- UPI QR & one-tap app pay
- Auto-failover across UPI gateways
- Same-day settlements
- Signed webhooks
- AUPI Gateway ARouting
- BUPI Gateway BTimeout
- CUPI Gateway CLive
- DUPI Gateway DLive
Built for how India pays â UPI only
Zoopay is a dedicated UPI payment gateway. Every order gets its own UPI checkout that works with whichever app your customer already has on their phone.
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Scan & pay with any UPI appA fresh UPI QR for every order, ready to scan from desktop or another phone.
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One tap on mobileButtons open Google Pay, PhonePe, Paytm or BHIM directly â the customer just enters their UPI PIN.
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UTR confirmationCustomers can submit their UPI reference (UTR) to speed up confirmation, while we verify the status with the gateway.
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UPI payment linksNo website needed â create a link in your dashboard and share it anywhere to collect by UPI.
What happens during a live UPI payment
Four steps, all handled automatically the moment your customer hits pay â no manual intervention on your end.
- 1
Your checkout creates an order
Integrate once. One API call to Zoopay returns a UPI payment page â no separate SDK for every UPI provider.
- 2
We route it to the healthiest UPI gateway
The routing engine picks the best connected UPI gateway in real time, and fails over automatically if it times out or degrades.
- 3
Your customer pays in their UPI app
They scan the QR or tap Google Pay, PhonePe, Paytm or BHIM, and approve with their UPI PIN.
- 4
Confirmed, then settled the same day
We confirm the payment with the gateway, notify your server by signed webhook, and calculate merchant and partner payouts automatically.
{
"api_key": "pk_live_xxxxxxxx",
"secret_key": "sk_live_xxxxxxxx",
"order_id": "SYS_ORDER_1001",
"amount": "199.00",
"redirect_url": "https://yoursite.com/return"
}
Built to be trusted with other people's money
Security isn't a checkbox for a routing engine â it's the whole job. Here's what's guaranteed on every transaction.
Approved with the customer's UPI PIN
Every payment is authorised inside the customer's own UPI app with their UPI PIN. Zoopay never sees or stores a UPI PIN or bank login.
Duplicate-UTR detection
Every UTR is cross-checked against all transactions. A reused or duplicate UTR is flagged for review instead of slipping through.
Status verified with the gateway
Pending UPI payments are re-checked with the gateway server-to-server, so success is confirmed at the source â and every call runs over TLS 1.2+.
Signed Webhooks
Every webhook carries a cryptographic signature, so your server can verify it actually came from Zoopay before acting on it.
Turn your network into recurring revenue
Join the Zoopay Partner Network. Use your dedicated Agent Portal to generate unique invite links, onboard your clients, and earn a percentage-based commission on every successful transaction they process.
What teams notice after switching
"We stopped getting support tickets about failed payments. When one gateway slows down, customers don't even see it."
"Settlement used to be a spreadsheet job every Friday. Now it's same-day and automatic â one less thing to babysit."
"The Agent Portal made it trivial to bring on clients and track commission â it just runs in the background now."
Common questions
Still have a question?
Strictly invite-only. Contact us to evaluate your volume.
Talk to Sales [email protected]Which payment methods do you support?
Is Zoopay secure?
What happens when a UPI gateway goes down?
How fast are payouts?
How do partner commissions work?
Ready to stop losing UPI payments to a single gateway?
Tell us where to reach you and our team will evaluate your volume.