Accept UPI Payments Straight to Your Bank
Add your bank accounts and UPI IDs, share a QR or payment link, and every payment is confirmed automatically. Your customers pay from any UPI app — the money never sits with us.
✓ No setup fee✓ Your own bank accounts✓ Any UPI app
Why Choose OK Pay?
The simplest way to collect UPI payments into accounts you already own.
Customers pay straight into your own bank accounts and UPI IDs. No pooled wallet, no payout to wait for.
Payments confirm themselves from your bank's SMS, UPI app notifications or bank alert emails — no manual checking.
Google Pay, PhonePe, Paytm, BHIM or any bank's own app — if it speaks UPI, your customer can pay.
A clean REST API with signed webhooks and idempotent calls. Integrate in an afternoon.
No Setup Fee. No Surprises.
No setup fee, no maintenance charge, no hidden costs. One per-transaction price, agreed up front.
Tell us your monthly volume and we'll quote one flat rate — the same for every payment, whatever the amount.
- Unlimited bank accounts and UPI IDs
- Dynamic QR, payment links and hosted checkout
- Auto-confirmation from SMS, notifications and email
- Money goes straight to your bank
- Signed webhooks and full REST API
- Dashboard, reports and team access
Works With Every UPI App
UPI is interoperable, so your customers pay with whichever app they already use — no downloads, no sign-ups.
Go Live in 4 Simple Steps
From first message to your first payment — usually within a day.
Contact us. We set up your merchant account the same day.
Add the bank accounts and UPI IDs where you want to receive money.
Pair a phone with the OK Pay Sensor app, or connect the Gmail that gets your bank alerts.
Use your API keys or share payment links. Payments start landing in your bank.
A Modern Dashboard to Manage Everything
Full visibility and control over your payments, accounts and integrations — all in one place.
Today's payins, success rate and amount collected — updated live as payments land.
Add accounts, set daily limits, and let payins rotate across them automatically.
Create keys, whitelist your server IPs and receive signed payment events.
Every payment with its UTR, status and source — searchable and exportable.
Create a link in seconds and share it in a chat, an invoice or an SMS.
Connect the Gmail that receives your bank alerts to confirm payments without a phone.
Built for developers, by developers
Integrate once and scale with confidence. Create payins from your server and get told the moment they're paid.
- REST APIClean endpoints for payins, payment links and status checks.
- Signed WebhooksHMAC-SHA256 signed events for every payment status change.
- Secure by DefaultIdempotency keys, IP whitelisting and 2FA on the dashboard.
Not a developer? No code needed
Start collecting from the dashboard alone. Perfect for sellers, creators and teams who want to go live quickly.
- Payment LinksCreate a link and share it anywhere your customer is.
- Hosted CheckoutA ready, mobile-first payment page with a dynamic QR.
- Dashboard AlertsSee every payment land live, the moment it is confirmed.
Frequently Asked Questions
Everything you need to know before going live.
Where does the money go?
Straight into your own bank accounts and UPI IDs. OK Pay never holds your money — we confirm the payment and tell your system it's paid.
How are payments confirmed?
Automatically, from your bank's credit SMS or UPI app notification (via the OK Pay Sensor Android app), or from the bank alert emails in a Gmail inbox you connect. Customers can also submit their UTR, which we verify against the bank's own message.
What are the fees?
No setup fee and no maintenance charge. You pay one per-transaction rate, agreed during onboarding based on your volume — contact us for a quote.
Which UPI apps are supported?
All of them. UPI is interoperable, so customers can pay from Google Pay, PhonePe, Paytm, BHIM, any bank's own app or any other UPI app.
How do I integrate OK Pay on my website?
Use the REST API to create a payin and redirect your customer to the hosted checkout, or embed the payment widgets. Signed webhooks tell your server when it's paid. No code? Share payment links from the dashboard.
Do I need a phone for every bank account?
No. A phone running the Sensor app is optional — you can confirm payments from bank alert emails instead, or from the customer's UTR.
Ready to Accept Payments?
Tell us about your business and go live the same day. Payments land straight in your own bank account.
Contact Us