Payment products Indian merchants actually use.
Shop counters, online SMEs and developers share one UniWeb merchant console under Admin. Live rails stay partner-gated (keys in Partner Registry). We do not sell a consumer PPI wallet, an NBFC loan product, or a partner-owned merchant portal.
Shop & counter
Fixed and dynamic QR, WhatsApp links, UPI confirmation. No website required to start Test Mode.
Online SME
Hosted checkout, invoices, refunds, staff roles and settlement batches after KYC.
Developers
REST API, Test vs Live keys, HMAC webhooks. Demo captures stay labelled as test.
Hosted payment gateway
Customers pay on a secure UniWeb checkout — UPI, Card, Net Banking and Wallets as method tabs only (no partner brand but…
Payment links
Create shareable links for invoices, deposits or one-time orders. Track views, status and settlements from one merchant …
QR code payments
Fixed-amount, dynamic UPI and all-method QR journeys for shops, counters and field teams.…
Merchant API
REST API for payment links, transactions, balance and refunds with separate Test and Live credentials, HMAC webhooks and…
Settlements & balance
Successful collections credit the merchant settlement balance. Settle to a verified bank account on a T+N style schedule…
KYC & agreements
Entity-based document checklist, PAN/GST/Aadhaar flows, video KYC and electronic merchant agreement with IP, typed signa…
Hosted payment gateway
Customers pay on a secure UniWeb checkout — UPI, Card, Net Banking and Wallets as method tabs only (no partner brand buttons). Test Mode works immediately. Live methods appear after Admin activates networks in Partner Registry.
- Test vs Live mode like major Indian gateways
- Method tabs with clear amount and fee split
- Customer name/phone captured for receipt lookup
Payment links
Create shareable links for invoices, deposits or one-time orders. Track views, status and settlements from one merchant dashboard — no separate signup at each payment company.
- Expiry, amount and description controls
- WhatsApp-ready payment intents
- Webhook + in-app notifications on success
QR code payments
Fixed-amount, dynamic UPI and all-method QR journeys for shops, counters and field teams.
- Reusable counter QR
- Amount-entry dynamic QR
- Scan analytics on the QR record
Merchant API
REST API for payment links, transactions, balance and refunds with separate Test and Live credentials, HMAC webhooks and OpenAPI reference.
- Key + secret authentication
- Idempotent create flows
- Outbound webhook retries
Settlements & balance
Successful collections credit the merchant settlement balance. Settle to a verified bank account on a T+N style schedule or manual Settle Now — with UTR tracking for ops.
- Available vs pending visibility
- Min settlement threshold
- Partner payout rails when keys are live
KYC & agreements
Entity-based document checklist, PAN/GST/Aadhaar flows, video KYC and electronic merchant agreement with IP, typed signature and downloadable PDF.
- Maker-checker admin review
- Live Mode gates before real money
- Named grievance officer on Contact
What matches big gateways — and what does not
Matches today
Test/Live modes, payment links, QR, hosted checkout, KYC gates, settlement balance, refunds, staff RBAC, webhooks.
Partner-dependent
Live cards/UPI money movement, PhonePe native, EMI/BNPL, Instant Settlement — need partner keys and commercial approval.
Still building
Payment Pages builder, full developer hub, case studies — see the roadmap. Merchant team invites are live under Team in the dashboard.
Full peer comparison (quality bar, not a copy of every feature) →
Integrate in Test Mode today.
Go Live only after KYC, agreement and partner activation — the same discipline serious Indian aggregators use.