We study the big gateways. We do not copy their catalogue.
UniWeb is a merchant console for Indian collections: links, QR, UPI, KYC and settlements on licensed partner rails. This page is the quality bar — not a promise that every Razorpay or Cashfree product is live here.
One UniWeb signup — not ten separate PG dashboards
Merchants register once on UniWeb. You paste partner keys once in Partner Registry. Customers see payment methods only (UPI, Card, Net Banking) — not Razorpay or PayU brand buttons. That is the bar we hold against Razorpay, Cashfree, PayU and Juspay.
| Area | UniWeb | Typical market PG |
|---|---|---|
| Merchant + Admin console | Strong — multi-rail, disputes, support queues | Strong — often single-rail focused |
| Keys | Admin-only Partner Registry (merchant never pastes PG keys) | Merchant often holds their own PG account |
| Checkout | Methods only — UPI, Card, NB (no partner brand on pay button) | Brand-owned checkout (their logo on the page) |
| KYC to network | Forward queue — honest staged until live partner API | Often live onboarding API |
| Disputes | Admin-first queue on UniWeb | Deep partner dispute APIs |
| Success-rate route | Parked — not sold as live | Juspay-class orchestration |
| Extra products | No NBFC, no customer PPI wallet, no white-label resale | Often separate lending / wallet products |
Features are high. Polish must catch up.
Educated empty lists
If a list is empty, the next click is on the same page: create a link, QR, KYC upload, or ticket — not a blank table that looks broken.
Actionable errors
Checkout and portal errors tell you what to do next. PHP and SQL text stay in the admin Error Log, not on the customer screen.
After core collect
Payout automation, Route/split, POS and marketplace vendors wait until Test and Live collections are reliable. We do not sell those as live today.
What they do well — and our bar
| Peer | They are known for | UniWeb bar |
|---|---|---|
| Razorpay | Docs, payment links, QR, Route/split, polished trust UX. | Match links and QR reliability first. Razorpay Route / linked-account split stays off until the Owner asks and partner keys exist. |
| Cashfree | Payouts, verification APIs, marketplace Easy Split. | Collect and settle first. Payout polish and vendor split come after core collections are green on live rails. |
| PayU | Broad India coverage and card acquiring. | PayU is a partner rail. Live cards need credentials, MCC and method activation — we do not pretend coverage without keys. |
| Juspay | Orchestration reliability across many gateways. | One UniWeb checkout with partner routing. We measure uptime on Status. We do not ship a second orchestrator product. |
| Stripe | Developer docs, signed webhooks, strict test vs live. | HMAC webhooks, OpenAPI, uw_test_ vs uw_live_ keys. Docs stay practical — not a clone of Stripe’s catalogue. |
| Worldline | Acquiring for POS and online together. | Online-first: checkout, links, QR. In-store POS terminals only if the Owner adds that deal. |
| Decentro | Banking and UPI APIs for platforms. | Decentro is a partner API. Sandbox vs live labels stay visible. Staging keys never look like a live capture. |
We do not independently hold an RBI Payment Aggregator or banking licence. Live money uses contracted partners. We do not offer a consumer PPI wallet or an NBFC loan product.
Parked until Owner asks
Route / Easy Split
Scaffold only. Live split after keys, commercial terms, and an explicit start.
POS terminals
Online checkout, links and QR first. Card machines only for a real deal.
NBFC & PPI wallet
Hidden on purpose. Wrong licence. Not a UniWeb product.
Start in Test Mode. Compare on real workflows.
Create a link, scan a QR, watch Status. Live collections wait for KYC and partner activation.