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THE ULTIMATE
UPI PAYMENT
GATEWAY

Accept payments directly to your bank account at 0% transaction fee. Works on WordPress, Android, or any custom website.

Start Free → See How It Works
RMSKAJVP
5,000+

merchants trust Xyzpay daily

✅
₹12,450
Just settled
⚡
0.3s
Avg response
Xyzpay
Live
₹93,240
Total settlements today
Success rate78%
0%
Fee
T+1
Settlement
99%
Uptime
0K+
Satisfied Merchants
0/5
Client Rating
0%
Secure Payments
0+
Daily Transactions
Trusted payment ecosystem partners
SBI Amazon Pay PhonePe Paytm BharatPay Mobikwik Freecharge UPI SBI Amazon Pay PhonePe Paytm BharatPay Mobikwik Freecharge UPI
Features

EVERYTHING YOU NEED
TO ACCEPT PAYMENTS

A complete payment infrastructure built for Indian businesses of all sizes.

💸
0% Transaction Fee
No hidden charges, no per-transaction fees. Keep 100% of what you earn on every single payment.
⚡
Instant Settlement
Your money never waits. Instant UPI-to-bank transfers mean you control your cash flow entirely.
🔌
Developer-Friendly API
Clean RESTful API with detailed docs, Postman collections, and ready-to-use plugins for every platform.
🔒
Bank-Grade Security
256-bit encryption, PCI-DSS compliant infrastructure, and real-time fraud detection keep your transactions safe.
📊
Live Dashboard
Monitor every transaction in real-time. Detailed reports, export options, and analytics at your fingertips.
💬
WhatsApp Support
Dedicated support via WhatsApp — no tickets, no queues. Talk to a real person who knows your account.
Integration

UP AND RUNNING IN MINUTES

Our API is built for speed. From signup to your first live payment in under 15 minutes.

1
Register & Get API Keys
Sign up, complete KYC, and get your merchant token and API credentials instantly.
2
Integrate the API
Add a single API call to your checkout. Works with PHP, Node, Python, or any language.
3
Accept Payments Instantly
Go live immediately. Receive UPI, cards, netbanking — all directly to your bank account.
4
Get Settled Next Day
T+1 settlement with full transparency. Every rupee accounted for in your dashboard.
payment-request.json
// Create Payment Order
POST /api/v2/create-order

{
  "merchant_token": "your_token",
  "amount": 500.00,
  "currency": "INR",
  "customer_mobile": "91XXXXXXXXXX",
  "callback_url": "https://yoursite.com/cb",
  "upi_enabled": true
}

// Response → 200 OK
{
  "status": "SUCCESS",
  "payment_url": "https://pay0.shop/p/...",
  "fee": 0.00
}
Testimonials

LOVED BY THOUSANDS OF BUSINESSES

Here's what merchants across India say after switching to Xyzpay.

★★★★★
"Xyzpay's seamless integration and real-time dashboard helped us scale our business effortlessly. Transactions are lightning fast!"
RM
Ravi Mehta
Founder, QuickKart
★★★★★
"The developer-friendly API and excellent documentation made integration smooth. Xyzpay's support team is always on WhatsApp!"
SK
Shweta Kapoor
Developer, FinBox
★★★★★
"With Xyzpay, I accept payments from clients instantly. Zero fees and T+1 settlement is a complete game changer for freelancers."
AJ
Aman Jain
Freelancer
FAQ

COMMON QUESTIONS

Everything you need to know about Xyzpay Payment API.

Xyzpay Payment API is an online payment processing platform that allows businesses to accept UPI, credit/debit cards, net banking, and digital wallets — all at 0% transaction fee.
Yes. We use 256-bit AES encryption and are PCI-DSS compliant. All transactions are protected by real-time fraud detection systems.
Settlements are processed on T+1 working days — meaning the next business day after your transaction date. You can track every settlement in your dashboard.
Xyzpay supports UPI, credit cards, debit cards, net banking, and major wallets including Paytm, PhonePe, Google Pay, and Amazon Pay.
Use our RESTful API with any backend language (PHP, Node.js, Python, etc.). We also offer ready-to-use WordPress plugins and Postman documentation on our developer portal.
Ready to start?

START ACCEPTING PAYMENTS
AT ZERO COST TODAY

Join 5,000+ merchants already growing with Xyzpay. Setup takes under 15 minutes.

Create Free Account → Chat on WhatsApp