MyMobPay is a direct P2P UPI payment gateway that allows websites and apps to accept UPI payments with 0% transaction fees, sending money directly to your bank account.

How much does MyMobPay cost?

MyMobPay charges a flat subscription fee of ₹499 per month with absolutely 0% transaction fees, unlike traditional gateways that charge 2% per transaction.

Which UPI apps does MyMobPay support?

MyMobPay supports all standard UPI apps and any UPI-compatible application via QR code or direct payment intent.

How does payment verification work?

MyMobPay uses your bank transaction notification emails, forwarded via a Cloudflare email worker, to automatically detect and verify payments in real-time without any manual intervention.

LiveDirect bank transfer (IMPS / NEFT) with 0% gateway fees.Compare savings→

Direct UPI & bank transfer rails active · 0% MDR

Accept payments directly
to your bank.
Zero gateway fees.

Collect direct UPI and IMPS bank transfers with automated real-time reconciliation, signed HMAC webhooks, and 0% intermediary deductions.

Transaction fees

T+0

Instant bank credit

99.98%

Success rate

10:42 AM

LTE

Direct bank checkout

Total dueDirect bank rail

₹500.00

Paying to:Demo Store

Auto-verify active

Scan with any UPI app

UPI QRDirect payInstant railAuto-match

Secure checkout by MyMobPay

Platform averageSuccess rate99.98%

Real-time routingSettlement0 seconds

Powering 10,000+ modern founders, developers, and fast-growing businesses across India

KwickBill

ScaleLoop

DevStack

NexaCart

IndieFlow

ZetaPay

Merchant console

Full visibility into payments and settlements

Monitor real-time payments, webhook delivery logs, and bank reconciliations from a single console.

dashboard.mymobpay.com

Live

Dashboard

Orders

Analytics

Settlements

Webhooks

API Keys

Sandbox

Total revenue

₹4,82,500

+12.4%

Transactions

1,842

+8.1%

Success rate

99.98%

+0.02%

Avg. settlement

0.0s

Real-time

Revenue (last 30 days)

Live

Aug 1Aug 7Aug 14Aug 21Aug 26

Recent payments

#MP0891

raj@okaxis

₹4,500

Success

#MP0890

sara@ybl

₹1,200

Success

#MP0889

dev@paytm

₹800

Pending

#MP0888

mia@upi

₹12,000

Success

Uptime SLA

99.99%

Webhook latency

<200ms

Avg. settlement

0 sec

Direct Settlement Pipeline

How direct bank payments work in three steps

Eliminate middleman escrow pools and 2% deductions. Money moves directly across NPCI rails into your bank account with instantaneous webhook verification.

Scan or Tap Intent

Customer scans dynamic QR or taps intent

Active

Generates an order-locked dynamic UPI QR and direct deep-links compatible with GPay, PhonePe, Paytm, BHIM, and Cred. Also supports direct zero-fee virtual IMPS for large ticket B2B.

Settlement: Instant (0s)0% gateway commission

Direct Rail Routing

Zero-intermediary account routing

Transactions execute directly through the NPCI UPI rail switch straight into your own merchant bank current account. Funds never enter a 3rd-party escrow holding pool.

Intermediaries: ZeroDirect bank ownership

Reconcile & Webhook

Instant credit & automated webhook

Real-time bank statement & SMS parsers match the unique 12-digit UPI UTR. Your server receives an HMAC-SHA256 signed webhook in under 200ms to fulfill the order.

Escrow hold: 0 daysWebhook in <200ms

settlement-engine // v2.4

Step 1: Intent & QR Checkout

Acme Retail Ltd

#INV-8492 · 0% Gateway Fee

Amount Due₹2,499.00

BHARAT UPI QRacmestore@icici

Scan & Pay ₹2,499.00 with Any UPI App

Instant settlement directly into your ICICI Current Account

Direct Bank-to-Bank · No Escrow

0% Fee

Architectural Breakdown

Why merchants are replacing traditional aggregators

Traditional Gateways

Aggregator Escrow Rail

2.0% Fee · T+2 Hold

✕2% + 18% GST deducted on every single order (loss of ₹20,000 on ₹10L monthly volume).
✕48-hour escrow delay (T+2) before funds are disbursed into your bank account.
✕Rolling reserve risk and sudden risk department account payout freezes.
✕Payout withdrawal fee charged each time you withdraw your own earned money.

Settlement timeline:2 to 3 Business Days

MyMobPay Direct Rail

Direct Account Settlement

0% Commission · Instant 0s

0% Transaction Commission — You keep 100% of customer payments directly.
Instant 0-Second Settlement — Funds land directly in your merchant bank current account.
Zero Escrow Risk — No middleman holds your money; you maintain 100% custody.
<200ms Signed Webhooks — Automated statement parsing triggers instant fulfillment.

Settlement timeline:0 Seconds (Instant Liquidity)

Keep your profit margins where they belong.

Indian merchants save an average of ₹1,20,000 annually per ₹50L GMV using MyMobPay.

Start Direct Settlement ➔

Eliminate gateway intermediaries and retain your full revenue.

Direct bank settlement rail

Route payments directly to your bank account, saving on intermediary transaction fees with instant UPI and IMPS transfers.

Receive direct account transfers with zero escrow delays via automated bank email reconciliation.

Experience instant settlements with 99.98% reliability, zero escrow holding periods, and no percentage-based gateway deductions.

A dependable direct payment solution engineered for fast-moving Indian businesses.

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DEVELOPER-FIRST ARCHITECTURE

MyMobPay is built
<for developers by developers>

Integrate direct-to-bank settlements in under 15 minutes. Eliminate the 2% aggregator cut with typed SDKs, deterministic REST endpoints, and signed HMAC webhooks.

SDKs & Libraries

Official typed libraries for Next.js, Node.js, Python, PHP, Flutter, and React Native with end-to-end type safety.

Explore SDKs

RESTful Endpoints

Deterministic, idempotent HTTP APIs for order creation, dynamic QR generation, and real-time status verification.

API Reference

Real-time Webhooks

Cryptographically signed HMAC-SHA256 event notifications dispatched straight to your server with automated retries.

Webhook Guide

Try it out for yourself

Live API

request.sh

curl -X POST https://api.mymobpay.tech/v1/orders \
  -H "Authorization: Bearer sec_live_948a201..." \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 149900,
    "currency": "INR",
    "orderId": "ORD_2026_9821",
    "customerVpa": "customer@okhdfcbank",
    "settlementRoute": "direct_bank"
  }'

POST /api/webhooks/settlement • 200 OK42ms latency

Header: x-mymobpay-signature: sha256=9f8a4e81...HMAC Verified ✓

{ event: "payment.settled", utr: "329184029182", net: 1499.00, fee: 0.00, route: "direct_bank" }

Cost comparison

Stop losing 2% on transaction volumes

Calculate how much your business saves each year with flat subscription pricing.

Monthly sales volume

₹5,00,000

₹10K₹25L₹50L

Traditional gateways (2%)

₹10,000 / mo

Losing ₹1,20,000 annually in transaction cuts.

MyMobPay subscription

₹499 / mo

Flat SaaS subscription with zero transaction cuts.

Guaranteed annual savings

Keep 100% of your transaction revenue directly inside your bank.

₹1,14,012

Retained net profit per year

iFormula breakdown:

(₹5,00,000 × 2% × 12) − (₹499 × 12) = ₹1,14,012

Direct settlement 0% MDR guarantee

0% MDR guaranteed

While traditional payment gateways take 2% to 2.36% on every transaction, MyMobPay keeps your profits intact. All UPI payments under ₹2,000 remain at 0% MDR, and higher order values route directly through automated Direct Bank Transfer (IMPS / NEFT) with zero transaction fees.

Merchant stories

See MyMobPay in action

Trusted by SaaS founders, indie developers, and growing businesses across India.

Customer scanning MyMobPay QR code on tablet

Instant QR checkout

Seamless scan and pay

Customers scan dynamic QR codes using any UPI application with immediate payment confirmation.

Payment rail: UPIInstant verification

Founder using MyMobPay merchant dashboard on laptop

Merchant console

Real-time revenue analytics

Track incoming transfers, inspect webhook dispatches, and audit reconciliations in real time.

Escrow hold: 0 daysDirect account route

Happy customer and business owner completing payment

Customer experience

Frictionless checkout

Deliver high checkout conversion rates with direct bank-to-bank settlement reliability.

Universal UPI support99.98% success rate

Platform features

Direct infrastructure and secure verifications

Direct bank routing

Customer payments transfer directly to your designated bank account without escrow holding.

HMAC SHA-256 webhooks

Every transaction event callback is cryptographically signed using standard HMAC SHA-256.

Isolated developer sandbox

Test checkout redirection flows and webhook dispatches in an isolated sandbox environment.

Instant settlements

Maintain working capital liquidity with real-time settlement directly to your account.

Subscription plans

Simple, flat pricing for any scale

Start integration testing for free, scale to live payments with our standard subscription, or inquire about custom high-volume deployments.

Sandbox environment

Developer free

Perfect for prototyping, testing API signatures, and staging your UI callback dispatches.

₹0/ month

Isolated sandbox testing API key

Interactive dynamic checkout screen

Automated webhook event delivery stream

Live order status verification logs

Launch sandbox console

Standard plan

For active SaaS founders and builders who want to stop giving away 2% on transaction cuts.

₹499/ month

100% direct-to-bank UPI transfers

0% transaction gateway fees

HMAC SHA-256 signed webhooks

Automated bank email reconciliation

Get started now

Enterprise scale

Enterprise pro

For high-throughput organizations needing custom webhook routing architectures.

Custom volume

Dedicated secure matching worker instances

Customized retry webhook schedules

Sub-merchant console access controls

Dedicated SLA support with uptime assurances

Contact for enterprise

Accept payments directly to your bank. Zero gateway fees.

Full visibility into payments and settlements

How direct bank payments work in three steps

Customer scans dynamic QR or taps intent

Zero-intermediary account routing

Instant credit & automated webhook

Why merchants are replacing traditional aggregators

Aggregator Escrow Rail

Direct Account Settlement

Eliminate gateway intermediaries and retain your full revenue.

Route payments directly to your bank account, saving on intermediary transaction fees with instant UPI and IMPS transfers.

Experience instant settlements with 99.98% reliability, zero escrow holding periods, and no percentage-based gateway deductions.

MyMobPay is built<for developers by developers>

SDKs & Libraries

RESTful Endpoints

Real-time Webhooks

Try it out for yourself

Stop losing 2% on transaction volumes

₹5,00,000

₹10,000 / mo

₹499 / mo

₹1,14,012

Direct settlement 0% MDR guarantee

See MyMobPay in action

Seamless scan and pay

Real-time revenue analytics

Frictionless checkout

Direct infrastructure and secure verifications

Direct bank routing

HMAC SHA-256 webhooks

Isolated developer sandbox

Instant settlements

Simple, flat pricing for any scale

Developer free

Standard plan

Enterprise pro

Accept payments directly
to your bank.
Zero gateway fees.

MyMobPay is built
<for developers by developers>