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UPI Collection Gateway for India

Accept UPI payments from any app or bank with a single integration. XPay confirms every collection with a signed webhook and settles to your bank account T+0 / T+1.

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Accept UPI payments with one integration

XPay's UPI collection gateway lets Indian businesses accept payments from customers using any UPI app or bank. Create an order through our API, hand the customer a payment link, and receive a signed webhook the moment the payment succeeds — with automatic T+0 / T+1 settlement to your bank account.

UPI & IMPS Pay-In

Accept collections from any UPI app or bank in real time.

Fast Settlement

T+0 / T+1 to your registered bank account.

Signed Webhooks

Verify every collection with an HMAC-signed callback.

How a UPI collection works

1
Create orderCall the API with amount & order ID.
2
Customer paysWe return a UPI payment link.
3
We notify youSigned webhook confirms success + UTR.
4
SettlementFunds settled T+0 / T+1.

Who uses XPay collections

→ UPI Payout API→ How UPI payouts work→ Pay-in vs Pay-out

UPI collection FAQ

What is a UPI collection gateway?

A UPI collection gateway lets your business accept payments from customers over UPI. XPay gives you an API to create orders and a payment link customers use to pay, with instant confirmation.

How do I know when a payment succeeds?

XPay sends your server a signed webhook with the status and UTR as soon as the payment completes, so you can update the order in real time.

How fast do I get the money?

Settlement is T+0 / T+1 to your registered bank account, with no minimum settlement amount.

Talk to XPay

Message us on WhatsApp or Telegram — we usually reply within minutes.

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