Free Payment Gateway for India — No Commission. 0% Fee.
NoCost UPI is a free UPI payment gateway with no commission and 0% MDR. Create secure checkout links, verify transactions automatically and get instant bank settlement — all from one focused platform.
Everything required to collect, verify and manage payments.
V2 brings the complete workflow together with clearer operations, stronger controls and a checkout that merchants can brand.
Connect payment accounts
Add Manual UPI, Google Gmail or automated IMAP banking accounts and manage active settlement connections from one central place.
Instant payment links
Create single-use or reusable links with custom customer data, amount, order reference, callback URL and configurable expiration controls.
UTR review workflow
Customers submit UTR references for Manual UPI. Review and approve before success is confirmed, or let 1-second auto-matching verify instantly.
Custom checkout themes
Upload your business logo, brand colors, custom payment notes, and select from five professional, responsive payment-page themes.
Signed status webhooks
Notify connected servers the exact moment payments change state, complete with signature verification and retry delivery history.
Reports and customers
Understand transactions, volume, customer activity, dispute tracking and real-time payment success rates from one consolidated dashboard.
Email notifications
Send instant customer confirmations and receive real-time merchant payment alerts directly to your registered administrator email.
Strict Website Lock
Permanently bind your API keys to designated store domains to prevent unauthorized API use, spoofing, and malicious origin tampering.
Operational security
0% gateway commission, rate limiting protection, detailed audit trails, DPDP compliance, and direct-to-bank settlement finalization.
From account setup to verified payment in four steps.
A focused workflow keeps merchants in control while customers get a fast, mobile-ready UPI checkout.
Connect an account
Add your business name, mobile number and merchant UPI details. Link your banking notification feed in seconds.
Create an order or payment link
Use the dashboard or developer REST API with amount, customer details and callback data.
Customer completes UPI payment
Share the hosted checkout with dynamic QR, deep UPI intent links for GPay, PhonePe, Paytm, and reference submission.
Verify and automate
The matching engine verifies the transaction in ~1 second, credits your bank, and dispatches the configured webhook.
A clean API, without the integration maze.
Create an order with JSON, redirect the customer to hosted checkout and verify the result through status APIs or webhooks.
curl -X POST https://personal-payment-gateway.onrender.com/api/v1/orders \
-H "x-api-key: pg_live_your_key" \
-H "Content-Type: application/json" \
-d '{
"amount": 1499.00,
"customerName": "Rahul Verma",
"customerPhone": "9876543210",
"webhookUrl": "https://shop.example/api/webhook"
}'
Start focused. Upgrade when ready.
Simple, transparent plans for every stage of your payment journey. 0% gateway commission forever.
1-Website Monthly
- ♾️ Unlimited Dynamic UPI QRs
- 1 Website Bound (Strict Lock)
- 1-Second Auto-Verification
- Direct Bank Settlement (0% Fee)
- Full 30 Days Unlimited Access
2-Websites Monthly
- ♾️ Unlimited Dynamic UPI QRs
- 2 Websites Bound (Strict Lock)
- 1-Second Auto-Verification
- Multi-Domain Webhook Delivery
- Priority Automated Bank Engine
1-Website 1-Year
- ♾️ Unlimited Dynamic UPI QRs
- 1 Website Bound (Strict Lock)
- 1-Second Auto-Verification
- Full 365 Days Guaranteed Access
- Priority 24/7 Developer VIP Support