PhonePe Payment Gateway
UPI, cards, net banking and wallets behind a single integration.
Consumer businesses taking payment on web or in an app.
We build and run on thisUPI first, because that is how India pays you.
PhonePe is an integration, not a licence. We onboard you, wire the gateway into your product, and make the settlement file agree with your ledger.
Not a boxed licence — we design and operate workloads here, and can place your committed spend through us.
What we work with
The products, and who each one suits.
6 listed
UPI intent and collect flows
Paying by handing off to a UPI app on the same device, or by approving a collect request sent to a UPI ID.
Mobile-first checkouts, where the volume now sits.
UPI AutoPay mandates
Recurring collection under a mandate the customer approves once in their UPI app, with a pre-debit notification before each run.
Subscriptions and instalments.
Payment links
Collecting money before there is an integration to collect it through.
Teams selling ahead of the build.
In-store acceptance
Static and dynamic QR at the counter, with an audio confirmation device so staff are not checking a phone between customers.
Retail, food, and any counter with a queue.
Business dashboard and settlement reports
Transactions, settlements and refunds, exportable for the people who close your books.
Finance and operations.
What buying through us changes
A partnership is only worth what it changes.
Pricing before you sign
Nothing here is licensed, so there is nothing to discount. On UPI there is often little or no merchant rate to negotiate at all — which is why we say the commercial upside sits in settlement timing, failure rates and reconciliation effort. Where there is a rate, we put the case before you sign.
Named contacts
An escalation path into PhonePe rather than a web form. It earns its keep on onboarding documents, settlement queries, and the transactions that sit in limbo between debited and confirmed.
Startup credits
PhonePe does not run a credits programme of the kind the cloud vendors do. Where there is an early-stage or partner programme you qualify for, we prepare and sponsor the application — and the decision stays with PhonePe.
How we help
The work around the product.
- Merchant onboarding — business documents, bank account and category checks assembled once, properly, so activation does not stall a launch date.
- Gateway integration into web and app checkouts, including the UPI intent handoff on Android and iOS and what your code does when the customer never returns to it.
- Server-side status handling built for the fact that a UPI payment can succeed after the tab is closed — verification against the API, not trust in the redirect.
- Recurring collection on UPI AutoPay: mandate creation, the pre-debit notification, execution, and every failure state in between.
- Reconciliation between PhonePe settlement reports and your ledger, including refunds, chargebacks and transactions that settle on a different day from the one they happened.
- Running PhonePe alongside a second gateway with routing and fallback, so one processor's bad hour is not your bad hour.
Where this is not the answer
Onboarding, pricing and risk are PhonePe's decisions. We can assemble the case and escalate it; we cannot approve it. PhonePe is strongest on UPI and Indian domestic payments — if you need international cards, multiple currencies or complex marketplace settlement, it is usually one processor in a set rather than the only one, and we will say that before the integration rather than after it. We also do not run your finance process. We make the data reconcilable and hand it to the people who close the books.
Also in this category
Workplace & business ops
Next step
Buying PhonePe? Talk to us first.
Tell us what you are trying to do and we will come back with the sizing, the licensing and the price — from a partner, within two working days.