Merchant Gateway · Instant verification

Accept UPI payments on your website, automatically.

Register your business, get verified instantly and receive your API key. Send customers to a hosted checkout with a dynamic UPI QR. We confirm every payment and notify your server by signed webhook.

Instant verificationRequest in, verified right away

Auto confirmationOrders marked paid by themselves

Signed webhooksHMAC-SHA256, retried until 2xx

Fast payoutsNEFT, IMPS or UPI

Create your merchant account

Takes about two minutes. You need your PAN card and website address.

Registration received. Your KYC is under review.

This is your dashboard login token. It is shown only once, so copy it now. If you lose it, the admin can issue a new one.

Features

Everything a merchant needs, in one dashboard

From the first test order to payouts and refunds, it is all here.

Hosted checkout + dynamic QR

Every order gets its own UPI QR and a one-tap “Pay with UPI app” button on mobile.

Automatic confirmation

Payments are detected and marked paid automatically. No screenshots, no manual checks.

Signed webhooks

Your server hears about every successful payment, signed with HMAC-SHA256 and retried.

Live orders table

See every order, its status, the fee taken and exactly what you receive.

Payouts

Withdraw your balance by NEFT, IMPS or UPI. Track every request until the UTR arrives.

Full and partial refunds

Refund any paid order with a reason. The status is tracked from request to refund UTR.

API key control

View, copy and rotate your API key any time. A new key stops the old one instantly.

PAN-verified & safe

KYC-verified accounts, and customers can only be returned to your registered website.

How it works

Live in four steps

RegisterShare your PAN details and website. You get a private login token.

Get verifiedYour KYC is checked right away and your account is approved.

IntegrateCopy your API key and create orders with one API call.

Get paidCustomers pay by UPI, you are notified, and you withdraw your balance.

Pricing

Simple, transparent fees

No setup fee. Start free and upgrade when you grow.

Free

For websites just starting out

5% per transaction

Monthly fee	₹0
Payout by NEFT	1%
Payout by IMPS	1.5%
Payout by UPI	2%

Pro

For growing businesses

₹499 per 30 days

Per transaction	₹1
Payout by NEFT	0%
Payout by IMPS	0.5%
Payout by UPI	0%

Refunds carry a 1% charge. Minimum payout ₹100. Balance becomes withdrawable 3 working days after payment.

For developers

One API call to start a payment

Create an order, send the customer to the checkout URL we return, and wait for the webhook.

Simple REST API with an x-api-key header
Signed webhooks with timestamp and HMAC signature
Return-to-site redirect locked to your domain

Read the API docs

curl -X POST https://taknapay.in/api/create-payment \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"amount": 99, "orderId": "ORDER_1001"}'

# → { "success": true,
#     "checkoutUrl": "https://taknapay.in/?orderId=ORDER_1001" }

FAQ

Questions? Answered.

How fast is verification?

Your request is verified instantly once you submit your PAN details, so you can start integrating right away. You can see the status in your dashboard.

What do I need to register?

Your name as on PAN, PAN number and a clear photo of the card, your business name, email and website address.

When do I get my money?

Each payment is added to your balance after the settlement period. Then request a payout by NEFT, IMPS or UPI from your dashboard.

I lost my login token. What now?

Contact the admin. They can issue a new login token for your account.

Do you also offer simple payment links?

Yes. If you do not have a website, use Payment Links instead.

Ready to start accepting UPI payments?

Free to join. Verified instantly. Paid fast.