UPI
India's real-time payment system — pay from any bank app in seconds, 24/7.
South Asia · INR
P2P payment processing in India
India pays with UPI — customers expect a payment from their phone to go through in seconds. We process payin over UPI apps and payouts over IMPS, and settle your balance in USDT.
Local payment methods
Payment methods in India
The local methods customers in India use every day. The exact set for your project is confirmed at onboarding.
PhonePe
One of India's largest UPI apps.
Google Pay
Mass-market UPI app.
Paytm
UPI app and wallet with a huge merchant network.
Airtel
Airtel Payments Bank and the Airtel Thanks app — UPI and wallet payments.
BHIM
NPCI's own UPI app.
Amazon Pay
UPI and wallet payments inside the Amazon app.
MobiKwik
Long-standing Indian wallet and UPI app.
Freecharge
Wallet and UPI app owned by Axis Bank.
CRED
Popular app for UPI and card payments.
Netbanking
Payment straight from the customer's online banking.
IMPS
Instant interbank transfers to any Indian account, 24/7.
NEFT / RTGS
Bank transfers for larger payouts to any Indian account.
How India pays online
India runs on UPI. Since NPCI launched it in 2016, paying by scanning a QR code or entering a UPI ID has become the default for everything from groceries to online deposits. Customers rarely pick a card: they open PhonePe, Google Pay or Paytm, approve the payment with their PIN and expect the order to be confirmed within seconds. Every UPI and IMPS payment carries a 12-digit UTR — the reference used to match, confirm and, if needed, dispute a transfer.
Payouts and disputes in India
Payouts go to bank accounts over IMPS, which works 24/7, or to UPI IDs; NEFT and RTGS are used for larger amounts. Because Indian banks react quickly to fraud complaints, clean records matter: for any disputed payment we work with the UTR, the order ID, a statement and screenshots. Merchants that keep these records close resolve disputes fastest.
How it works
How processing works in India
Pay-in pageCustomer pays with UPI
Smart routingRouted across the network
Local accountsVerified accounts receive
ConfirmationOrder clears in seconds
USDT settlementYour balance in USDT
Built for high-risk
Local methods instead of card networks — processing that keeps working where classic acquiring fails.
Payin & payout
Collect deposits and send withdrawals on the same rails, with smart routing for high approval rates.
One USDT balance
Every country, one settlement currency. Simple, borderless accounting with fast payouts.
Real people, 24/7
A dedicated contact and personal onboarding in your language — not a ticket queue.
FAQ
Payments in India: FAQ
A UTR is the 12-digit reference of a UPI or IMPS payment. It is how a payment is matched to an order and the first thing requested in any dispute.
Yes. PhonePe, Google Pay, Paytm, BHIM, Amazon Pay, CRED and every bank app use the same UPI network.
Payin in India is available via UPI, PhonePe, Google Pay, Paytm, Airtel, BHIM, Amazon Pay, MobiKwik, Freecharge, CRED and netbanking. The exact set of methods for your project is confirmed at onboarding.
Payouts are sent via IMPS, UPI and NEFT / RTGS in local currency (INR). You fund and receive your balance in USDT.
Customers in India pay in INR, while your balance is settled in USDT — the same settlement currency in every country we cover.
Leave an application on the site or in our Telegram bot with your vertical, monthly volume and the methods you need. A real person replies, usually within the hour.
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Start processing in India
Tell us your vertical, monthly volume and the methods you need — a real person replies, usually within the hour.