How does UPIDrop charge 0% transaction fees compared to traditional 2% payment gateways?

UPIDrop operates as a non-custodial Technology Service Provider (TSP) rather than a fund-holding payment aggregator. When a customer pays, the money transfers directly from their UPI app (Google Pay, PhonePe, Paytm, BHIM, CRED) into your verified bank UPI VPA. Because UPIDrop never holds, pools, or touches your funds, there is 0% MDR commission and instant bank settlement for a flat ₹99/month SaaS subscription.

How does SmartTrack automatically verify UPI payments without manual UTR entry?

SmartTrack uses atomic Dynamic Paisa reservations (adding ₹0.01 to ₹0.99 to each concurrent order) combined with authenticated inbound confirmation bridges: our 1-click QR-paired Android Observer companion app (which verifies notifications from 38 official UPI/banking apps and TRAI DLT bank SMS headers using per-device 256-bit HMAC signatures), Cloudflare Email Routing bank credit parser, or Paytm/PhonePe Business S2S webhooks.

Can multiple customers pay the exact same product price at the same time?

Yes. Unlike FIFO queue gateways that force buyers into a waiting room, UPIDrop's Dynamic Paisa engine atomically reserves a unique paise slot (e.g., ₹499.01, ₹499.02 up to ₹499.99) in Cloudflare D1. Up to 99 customers can check out simultaneously for the exact same product price with zero queue delay and zero false payment confirmations.

How does the 1-Click Android Observer App protect my merchant secret key and block fake payment messages?

Your master API secret key is never stored on the phone. Scanning the 5-minute dashboard QR issues a unique per-device 256-bit HMAC signing key stored in Android EncryptedSharedPreferences. The app only listens to 38 allowlisted Indian UPI and banking package names (blocking WhatsApp and Telegram chat messages) and validates TRAI DLT commercial bank SMS headers (blocking 10-digit personal phone numbers).

Which websites and e-commerce platforms can integrate UPIDrop?

UPIDrop provides a universal JavaScript SDK (HTML, React, Next.js, Vue, Node.js, Python, PHP), a REST API with HMAC-SHA256 webhooks, a ready-to-install WooCommerce plugin, Shopify & Wix integration guides, and a single-copy Master Prompt for AI coding assistants like Cursor, Claude Code, and Google Antigravity.

Capability / Metric	UPIDrop (Direct UPI + SmartTrack)	Traditional Aggregators (Razorpay / Cashfree)	Basic Static QR / FIFO Queue Scripts
Transaction Fee (MDR)	0% Forever (Flat ₹99/mo)	2.0% – 3.0% + 18% GST per order	0%
Settlement Speed	Instant (0 seconds — direct to bank VPA)	T+2 to T+3 Business Days	Instant
Same-Amount Concurrency	99 Simultaneous Orders (Dynamic Paisa)	Unlimited	1 Buyer at a time (Waiting Room Queue)
Auto Payment Verification	SmartTrack (1-Click Android Observer + Bank Email + S2S)	Aggregator Callback	Manual Screenshot / Unverified UTR
WhatsApp Receipts & OTP	Official Meta Cloud API v21.0 (Zero Ban Risk)	Paid Add-on	Unofficial Web Socket (High Ban Risk)

Good morning 👋

Here's what's happening with your payments today.

SmartTrack LIVE

Total Collection

₹0.00

↑ 0% vs last period

Successful Payments

↑ 0% vs last period

Pending Reconciliation

requires attention

Tracking Success Rate

auto-confirmed

SmartTrack

LIVE

Automatic payment reconciliation is active and monitoring your settlements

Primary Source

—

Backup Source

Email Bridge

Available

Device Signal

Available

SDK polling

Engine

Active

—

Recent Activity

No recent activity

Payments will appear here

Recent Transactions

Order ID	Customer	Amount	UTR / RRN	Source	Status	Time
No transactions yet

Settlement Summary

Today ₹0.00

This Week ₹0.00

This Month ₹0.00

0 Settlements

Instant settlement — money goes directly to your bank

0% Transaction Fee

No hidden charges

Direct Bank Settlement

100% to your bank

100% UPI Compliant

NPCI guidelines followed

Bank-Level Security

256-bit encryption

24/7 Support

We're always here

Payment Links & Dynamic QR

Generate instant UPI payment links or QR codes to share via WhatsApp, SMS, or Invoices.

Amount to Collect (₹)

₹

Item / Order Description (Optional)

Shareable UPI Deep Link:

Fill form & generate

Your Store

₹0.00

Scan with Google Pay, PhonePe, Paytm, BHIM

Universal Checkout SDK & Widget

Embed a seamless 1-click UPI checkout modal on any website or store.

HTML / JavaScript Integration

Include the SDK in your `` and trigger `UPIDrop.checkout()` on button click.

<!-- Include UPIDrop SDK -->
<script src="https://app.upidrop.roori.in/sdk/upidrop.js"></script>

<script>
  UPIDrop.init({
    publicKey: 'pk_live_...',
    baseUrl: 'https://api.upidrop.roori.in'
  });

  function handleBuyNow() {
    UPIDrop.checkout({
      amount: 499,
      description: 'Product Order #1001',
      customerName: 'Rahul Sharma',
      onSuccess: function(res) {
        alert('Payment submitted! UTR: ' + res.utr);
      }
    });
  }
</script>

Test Checkout Modal

See exactly what your customers experience when paying via UPIDrop.

Transactions

Review orders, verify customer UTR submissions, and approve payments.

Order ID	Customer	Amount	UTR / RRN	Tracking	Status	Date	Actions
Loading transactions...

⚡ SmartTrack Engine

Real-time payment auto-detection, multi-signal reconciliation & bridge health monitoring.

Active Bridge Configuration

Bridge Type

VPA

—

Status

—

Total Orders (30d)

—

Auto-Matched

—

Avg Confirm Time

—

Unmatched Credits

—

Recent Payment Signals

Bridge	Amount	UTR	Confidence	Matched Order	Status	Time
No payment signals yet. Configure a bridge to start auto-tracking.

📲 Per-Device 256-Bit HMAC • 38-Package Allowlist • TRAI DLT SMS Verified

Android Observer Companion Devices

Pair your counter Android phone in 1 click without exposing your master API secret key. Revoke any device anytime.

Device	Status	Battery	Last Heartbeat	Action
No Android Observer devices paired yet. Click "+ Pair Android Observer Phone" above.

💬 Official Meta Cloud API v21.0 + Signed Custom Webhook • Zero Ban Risk

WhatsApp Instant Payment Receipts & Optional OTP

Automatically send verified UPI payment receipts to customers on WhatsApp the moment SmartTrack confirms an order.

WhatsApp Provider

Meta Phone Number ID (for Meta Cloud API)

Meta Permanent Access Token

Custom WhatsApp Webhook URL (HMAC Signed)

Enable WhatsApp Engine Instant Post-Payment Receipts Optional Pre-Checkout / COD OTP

🧠 AI Bridge Setup Wizard

Based on your VPA handle, we recommend the best auto-verification bridge. Select and configure it below.

Analyzing your VPA handle...

⚡ Zero-Fee Payment Integrations

Integrations & Setup Guides

Connect UPIDrop with your custom website, e-commerce store, or AI coding assistant. Follow simple step-by-step instructions with 0% transaction fee and direct bank settlements.

Your Active Public Key

pk_live_YOUR_KEY

Any Website or Web App (JavaScript SDK)

Recommended

Works with HTML, React, Next.js, Vue, PHP, Django, Laravel, or any custom website.

📖 Read Full Guide (.md) ↗

💡 What it is & How it works

The UPIDrop JavaScript SDK adds a modern, responsive UPI payment popup to your website with just a few lines of code. When your buyer clicks checkout, a modal appears displaying dynamic UPI QR codes and 1-click launch buttons for Google Pay, PhonePe, Paytm, and BHIM. When the buyer completes payment, SmartTrack auto-confirms the order and calls your success handler.

1 Step-by-Step Setup

Step 1
Add the SDK script to your HTML <head> or right before the closing </body> tag.
Step 2
Initialize UPIDrop once on page load using your Merchant Public Key:
UPIDrop.init({ publicKey: 'pk_live_YOUR_KEY' });
Step 3
Trigger Checkout on your "Buy Now" button click:
UPIDrop.checkout({ amount: 499, description: 'Order #101', onSuccess: ... });
Step 4
Customer pays & gets confirmed: SmartTrack verifies the payment in real time, funds arrive instantly in your bank, and the customer is redirected to your thank-you page.

index.html

<!-- 1. Include UPIDrop SDK -->
<script src="https://upidrop.roori.in/sdk/upidrop.js"></script>

<!-- 2. Pay Button -->
<button onclick="launchCheckout()" style="background:#10b981;color:#fff;padding:12px 24px;border:none;border-radius:10px;font-weight:bold;cursor:pointer;">
  ⚡ Pay ₹499 via UPI (0% Fee)
</button>

<script>
  // Initialize with your Merchant Public Key
  UPIDrop.init({
    publicKey: 'pk_live_YOUR_KEY'
  });

  function launchCheckout() {
    UPIDrop.checkout({
      amount: 499.00,
      description: 'Annual Subscription',
      customerName: 'Aarav Sharma',
      customerEmail: 'aarav@example.com',
      onSuccess: function(data) {
        alert('Payment Verified! Order: ' + data.orderId);
        window.location.href = '/thank-you';
      },
      onCancel: function() {
        console.log('Customer dismissed checkout');
      }
    });
  }
</script>

WooCommerce (WordPress Plugin)

Official Plugin

Native gateway plugin for WooCommerce 5.0 through 8.9+ with automated SmartTrack S2S reconciliation.

⬇ Download Plugin (.php) 📖 Read Guide (.md) ↗

💡 What it is & How it works

Our WooCommerce plugin adds "Pay via UPI" directly to your WordPress checkout. When customers place an order, they are redirected to UPIDrop hosted checkout to pay via Google Pay, PhonePe, Paytm, or QR code. Once confirmed, UPIDrop triggers a secure server-to-server webhook that updates the WooCommerce order status to "Processing" (or "Completed" for digital products) and redirects the customer back to your Order Received page.

2 Easy 5-Step Installation

Step 1
Download the plugin file: Click the Download Plugin (.php) button to save upidrop-gateway.php.
Step 2
Upload to WordPress: Go to WP Admin → Plugins → Add New → Upload Plugin, select the file, and click Install Now (or upload to /wp-content/plugins/upidrop-gateway/).
Step 3
Activate: Click Activate Plugin in your WordPress Plugins menu.
Step 4
Configure Keys: Go to WooCommerce → Settings → Payments → UPIDrop. Enter your Public Key (pk_live_...) and Secret Key.
Step 5
Save Webhook URL: Copy the Webhook URL generated by the plugin (e.g. https://yourstore.com/wc-api/upidrop_webhook/) and paste it into UPIDrop Dashboard → Settings → Webhook URL.

⚡ WooCommerce Plugin Features

0% transaction fee across all orders
Direct bank settlement to your UPI VPA
SmartTrack S2S auto-reconciliation
Auto-redirects to Thank You page upon payment
Stores 12-digit UTR and payment metadata in WooCommerce Order Notes

Plugin Version: v2.0.0 Download upidrop-gateway.php

Shopify (Theme Liquid & Manual Payment)

Store Checkout

Accept 0% fee UPI payments on Shopify with automated thank-you page checkout or product buy buttons.

📖 Read Full Guide (.md) ↗

💡 What it is & How it works

Because Shopify doesn't natively route UPI payments directly to Indian merchant VPAs with zero fees, UPIDrop provides a clean solution: customers select "Pay via UPI" in Shopify checkout, and the order status (Thank You) page instantly presents the UPIDrop payment modal. Alternatively, you can drop a Liquid buy button directly on product pages for express 1-click purchases.

3 Step-by-Step Setup

Step 1
Add Manual Payment Method: In Shopify Admin, go to Settings → Payments → Manual payment methods → Create custom payment method named Pay via UPI (GPay, PhonePe, Paytm).
Step 2
Add Script to Thank-You Page: Go to Settings → Checkout → Order status page (Additional scripts). Paste the code snippet shown on the right.
Step 3
Auto-Trigger on Order Completion: When a customer finishes checkout, the thank-you screen launches UPIDrop to collect payment.
Step 4
Auto-Fulfillment: When SmartTrack auto-matches the payment, UPIDrop fires a webhook to mark the order paid.

Shopify Order Status Script

<!-- UPIDrop Shopify Checkout Trigger -->
<script src="https://upidrop.roori.in/sdk/upidrop.js"></script>
<script>
(function() {
  if (Shopify && Shopify.checkout && Shopify.checkout.payment_due > 0) {
    UPIDrop.init({
      publicKey: 'pk_live_YOUR_KEY'
    });

    UPIDrop.checkout({
      amount: parseFloat(Shopify.checkout.payment_due),
      description: 'Shopify Order #' + Shopify.checkout.order_id,
      customerName: Shopify.checkout.billing_address?.first_name || '',
      customerEmail: Shopify.checkout.email || '',
      onSuccess: function(data) {
        console.log('Payment verified via UPIDrop SmartTrack!', data);
      }
    });
  }
})();
</script>

Wix (Velo Payment Provider SPI & Embed)

Wix Stores & Landing Pages

Custom Payment Provider SPI for Wix eCommerce checkout or HTML embed for single products/courses.

⬇ Download upidrop-wix-spi.js 📖 Read Guide (.md) ↗

💡 What it is & How it works

Wix allows custom payment providers through its Velo Service Provider Interface (SPI). By adding our payment-provider.js backend file, UPIDrop appears natively inside Wix checkout. Alternatively, for landing pages and single-item courses, you can simply drop an HTML embed element containing our JavaScript SDK.

4 Step-by-Step Setup (Wix Stores SPI)

Step 1
Turn on Dev Mode: Open your site in Wix Editor, click Dev Mode in the top menu, and toggle Turn on Dev Mode.
Step 2
Store Secrets in Wix: In the left Velo sidebar, go to Developer Tools → Secrets Manager. Store UPIDROP_PUBLIC_KEY and UPIDROP_WEBHOOK_SECRET.
Step 3
Add Backend Provider File: Under Backend, create payment-provider.js and paste the contents of upidrop-wix-spi.js (downloaded above).
Step 4
Connect Provider: Go to Wix Settings → Accept Payments → See More Options and connect UPIDrop.

Simple Alternative: Wix HTML Embed

<!-- Add to Wix Editor > Embed Code > Embed HTML -->
<script src="https://upidrop.roori.in/sdk/upidrop.js"></script>
<button onclick="payWithUPI()" style="background:#10b981;color:#fff;padding:14px 28px;border:none;border-radius:12px;font-size:16px;font-weight:700;cursor:pointer;">
  ⚡ Pay ₹499 via UPI
</button>
<script>
  UPIDrop.init({ publicKey: 'pk_live_YOUR_KEY' });
  function payWithUPI() {
    UPIDrop.checkout({
      amount: 499.00,
      description: 'Course Access',
      onSuccess: function(data) {
        alert('Payment confirmed! UTR: ' + (data.utr || 'Auto-matched'));
        window.top.location.href = '/thank-you';
      }
    });
  }
</script>

AI Coding Tools (Master Prompts)

1-Click AI Integration

Copy pre-engineered prompts into Claude Code, Cursor, Google Antigravity, Copilot, or Windsurf.

📖 Read All AI Prompts (.md) ↗

💡 What it is & How it works

Don't want to write code yourself? Select your tech stack below, click "Copy Master Prompt", and paste it directly into Cursor Composer or Claude Code. The prompt provides the AI with exact API endpoints, your active Public Key, SmartTrack reconciliation rules, and HMAC webhook verification logic. The AI will write and wire up the complete integration for you!

Prompt for Cursor / Claude Code (Universal Website)

Integrate UPIDrop Zero-Fee UPI Payment Gateway into this website.
- Public Key: YOUR_PUBLIC_KEY
- Checkout SDK: https://upidrop.roori.in/sdk/upidrop.js
- API Base: https://upidrop-pg.upidrop-payment-gateway.workers.dev
- Documentation: https://upidrop.roori.in/docs/javascript-sdk.md

Requirements:
1. Include the SDK script <script src="https://upidrop.roori.in/sdk/upidrop.js"></script>
2. Initialize UPIDrop with publicKey.
3. On Buy button click, call UPIDrop.checkout({ amount: ORDER_AMOUNT, description: 'Order', onSuccess: handleSuccess }).
4. Ensure responsive UPI QR modal and deep link triggers work on desktop and mobile.

REST API & Webhooks Reference

Custom Backends

Full specification for creating orders, polling status, and verifying HMAC-SHA256 webhooks in Python, Go, Java, PHP, Rust, etc.

📖 Read Full API Docs (.md) ↗

💡 What it is & How it works

Build custom backend integrations directly with the UPIDrop REST API. Send a JSON POST request to create an order, receive a pre-built UPI deep link and QR payload with SmartTrack Dynamic Paisa offset, and listen for secure HMAC-signed webhooks when funds hit your bank.

POST /api/v1/orders

Create payment order and generate QR code & UPI deep link.

POST /api/v1/orders/:id/utr

Submit 12-digit UTR reference for SmartTrack verification.

GET /api/v1/orders/:id/public

Poll real-time order status (pending, paid, etc.).

Webhooks

Receive real-time payment notifications on your server.

Webhook URL

When a payment is confirmed via SmartTrack, we'll send a POST request with HMAC-signed payload to this URL.

Webhook Payload Format

{
  "event": "payment.confirmed",
  "order_id": "ORD-XXXXXXXX",
  "amount": 500.37,
  "base_amount": 500.00,
  "utr": "423871928374",
  "status": "paid",
  "auto_matched_via": "bank_s2s",
  "confidence_score": 98.5,
  "timestamp": "2025-08-27T12:00:00Z"
}

Signed with X-UPIDrop-Signature header using HMAC-SHA256 with your Secret Key. Always verify this signature server-side.

API Keys & Webhooks

Authenticate server-to-server requests and configure real-time payment notifications.

Public Key (Client-side safe)

Secret Key (Server-side ONLY)

Need to rotate credentials?

Subscription & Plan

Manage your active UPIDrop subscription with 0% transaction fees.

Pro Tier

UPIDrop 0% Gateway

Plan Expiry: Active

0% transaction fee across all orders

Unlimited volume & payment links

Dedicated webhook & API access

₹499/mo ₹99 / month Save 80%

Business Verification

Platform trust & anti-fraud verification to activate live 0% UPI payments.

Verification Pending

Verification Checklist 75% Complete

Email Verified

PAN Details

UPI Ownership

Admin Review

Entity / Business Type

Sole Proprietor

Pvt Ltd / OPC

LLP / Firm

Other / Creator

Full Legal Name (as per PAN)

PAN Number

Stored securely and masked as ABCDE****F.

Mobile Number (WhatsApp/SMS)

GSTIN (Optional)

Store / Brand Name

Business Category

Website / Social Store Link (Optional)

Settlement UPI VPA Verification ⚠ Unverified

I confirm that the information submitted belongs to me/my business. I confirm authorization for the destination UPI VPA bank settlement address. I agree to UPIDrop's Terms of Service & Acceptable Use Policy.

Merchant Settings

Configure your destination UPI VPA bank address and Webhook endpoint.

👑 Super Admin Panel

Platform-wide overview of all merchants, volume, and subscription approvals.

Business Name	Email	UPI VPA	Plan	Status	Actions

Order ID	Merchant	Amount	UTR	Status	Date

Merchant	PAN Masked	UPI VPA	Entity	Status	Actions
Loading KYC requests...

The Zero-Fee UPI Payment Gateway for Indian Businesses

How much are you losing in payment gateway fees?

Engineered for Maximum Conversion & Speed

0% Transaction Cut

1-Click Mobile Checkout

AI-Agent Ready (Cursor/Claude)

Simple, Transparent Pricing

Pro Monthly

What is UPIDrop & Why Switch from 2% Payment Gateways?

Frequently Asked Questions

Merchant Login / Signup

Set Up Two-Factor Auth

Enter 2FA Code

Order Timeline & SmartTrack Signals

Good morning 👋

SmartTrack

Recent Activity

Recent Transactions

Settlement Summary

Payment Links & Dynamic QR

Your Store

Universal Checkout SDK & Widget

HTML / JavaScript Integration

Test Checkout Modal

Transactions

⚡ SmartTrack Engine

Active Bridge Configuration

Recent Payment Signals

Android Observer Companion Devices

Scan with UPIDrop Android Observer App

WhatsApp Instant Payment Receipts & Optional OTP

🧠 AI Bridge Setup Wizard

Integrations & Setup Guides

Any Website or Web App (JavaScript SDK)

💡 What it is & How it works

1 Step-by-Step Setup

WooCommerce (WordPress Plugin)

💡 What it is & How it works

2 Easy 5-Step Installation

⚡ WooCommerce Plugin Features

Shopify (Theme Liquid & Manual Payment)

💡 What it is & How it works

3 Step-by-Step Setup

Wix (Velo Payment Provider SPI & Embed)

💡 What it is & How it works

4 Step-by-Step Setup (Wix Stores SPI)

AI Coding Tools (Master Prompts)

💡 What it is & How it works

REST API & Webhooks Reference

💡 What it is & How it works

Webhooks

Webhook URL

Webhook Payload Format

API Keys & Webhooks

Subscription & Plan

UPIDrop 0% Gateway

Business Verification

Merchant Settings

👑 Super Admin Panel