Collect payments the moment they happen.

Create a payment link, share it, and get confirmed in seconds. Connect your site with one API key.

₹
Payment received₹2,499.00
  • Instant confirmationOrders are verified automatically, even if the customer closes the page.
  • Simple APIGenerate a key, add a webhook and you are live.
  • Clear pricingPay a small fee per link, or pick a plan.
Signed webhooksHashed passwordsKYC-verified merchants

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TopUPI: a simple UPI payment gateway for Indian websites, apps and shops

TopUPI helps Indian businesses collect payments by UPI without a long, complicated setup. You create a payment link from your dashboard, or your website calls one API. Your customer scans a QR code or taps Pay in any UPI app, and the money goes straight to the business account you have connected. TopUPI verifies the payment for you, marks the order as paid and tells your server through a signed webhook.

It is made for small online stores, sellers of digital products, freelancers, course creators, subscription businesses and local shops that want to start accepting UPI quickly and keep the process easy to understand.

How TopUPI works

1. Create your accountSign up with your name, email and mobile number. Then complete KYC and tell us a little about your business so we can keep payments safe for everyone.
2. Connect your cashierLink your own business UPI account, make a small test payment and generate your API key from the dashboard.
3. Start collectingCreate a payment from the dashboard, or send an order from your website with the API. Customers pay by UPI and you are notified the moment the payment is confirmed.

What you get with TopUPI

  • Payment links and QR codes. Create a payment in seconds and share the link or QR with your customer.
  • A simple REST API. Send an order ID and an amount, get a payment page link back, and check the status of any order whenever you need.
  • Signed webhooks with retries. Every success event carries an HMAC signature so your server can trust it, and failed deliveries are retried automatically.
  • Automatic verification. Payments are checked in the background, even if your customer closes the page before it finishes.
  • History and statistics. See every payment with its amount, date and time, plus your totals, success rate and daily collections.
  • IP whitelist. Lock your API key so that only your own server addresses can use it.
  • Clear documentation. Step-by-step docs with ready code examples in cURL, Node.js and PHP.

Simple, honest pricing

On the Free plan, TopUPI charges 5% only on payments that are actually completed. The fee comes from your prepaid API wallet, and nothing is charged if the customer does not pay or the order expires. If you collect more, a paid plan starts at ₹299 for 30 days and removes the per-payment fee while it is active. The minimum order amount is ₹20.

Built with security and trust in mind

Only KYC-verified merchants can get an API key. Passwords are stored as secure hashes, sessions are signed, and every webhook is signed so you can verify where it came from. TopUPI is a software platform, not a bank or a payment aggregator, and it never holds your customers' money. We do not allow gambling, adult content, scams or any other illegal business, as set out in our Acceptable Use Policy.

Frequently asked questions

What is TopUPI?

TopUPI is a UPI payment gateway for Indian businesses. It gives you payment links, QR codes, an API and webhooks so you can accept UPI payments on your website, in your app or from the dashboard.

Does TopUPI hold my money?

No. Customer payments go directly to the business UPI account you connect. Cashiers are connected through a Paytm business merchant account. The wallet inside TopUPI is only a prepaid balance used for our service fee.

How much does TopUPI cost?

The Free plan charges 5% on each successful payment, taken from your API wallet. Paid plans start at ₹299 for 30 days and have no per-payment fee while they are active.

Who can use TopUPI?

Indian businesses and individuals aged 18 or above who sell legal goods or services and complete KYC and business verification.

How do I connect my website?

After your KYC is approved, generate an API key. From your server, call POST /v1/orders with an order ID and an amount, send the customer to the payment link you get back, and listen for the webhook to mark the order as paid. The Docs page has full examples.

How long does a payment link last?

A payment link is valid for 30 minutes. After that the order expires and you can create a new one.

What happens if my webhook server is down?

We retry the webhook up to six times over several hours. You can also fetch the order status from the API at any time.

TopUPI