v4.2 Engine Live: 0% Extra Commission • Direct VPA Settlements • Auto-Webhooks
Direct Bank Settlement Engine

Accept Instant UPI Payments at Zero Commission

Receive customer payments directly into your bank account with dynamic QR codes and deep-link intent. Bypass 2-3% aggregator cuts with automated instant callbacks.

0.0%

Fee Deductions

<150ms

Webhook Latency

100%

Direct VPA Deposit
Instant Checkout
Dynamic Intent & QR
Online
₹499.00
Scan with any UPI App
Live Settlement Log
₹1,250.00
PhonePe Direct
Credited
₹3,490.00
HDFC Vyapar
Credited
₹500.00
Google Pay UPI
Credited
Google Pay
PhonePe
Paytm UPI
HDFC Vyapar
Freecharge
BharatPe
Engine Benefits

Built to Eliminate Extra Processing Costs

Take complete control of payments with automated multi-channel routing.

0% Gateway Commission

Stop losing 2% to 3% on every client payment. Transactions hit your linked bank account with zero deductions.

Multi-Merchant Backup

Connect PhonePe, Paytm, and Freecharge. If one merchant reaches daily limits, traffic auto-routes smoothly.

Instant Webhook Ping

Real-time payment confirmation callbacks with verified UTR hashes ensure customer orders activate without delay.

High Profit Margin

Old Aggregators vs PayNexus

Standard aggregators delay settlements by 2-3 days and charge heavy cut fees. With PayNexus, your funds arrive immediately.

Get Started Today
Metric Traditional Aggregators PayNexus Direct
Commission 2% - 3% Per Transaction 0% (Free)
Settlement Time T+1 to T+3 Days Real-time (Instant VPA)
Account Holds High Risk on Spikes None (Direct VPA)
Developer Friendly

Integrate In Under 5 Minutes

Standard JSON APIs and webhook payloads ensure your PHP store, bot, or web app can start collecting UPI payments immediately.

<?php // Create Order Request $payload = [ 'user_token' => 'usr_live_8923...', 'amount' => '499.00', 'order_id' => 'ORD_' . time(), 'callback' => 'https://mysite.com/webhook' ]; $ch = curl_init('https://yourdomain.com/api/create-order'); curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query($payload)); curl_setopt($ch, CURLOPT_RETURNTRANSFER, true); $res = json_decode(curl_exec($ch), true); header('Location: ' . $res['payment_url']);

Stop Paying Aggregator Cuts Today

Create your merchant account now or log in to manage your connected channels.