PayLink UPI
Free. No gateway, no fee, no signup. Payers pay straight into your UPI ID from any UPI app (GPay, PhonePe, Paytm, BHIM, their bank's app). Start taking payments the day you sign up.
Settings
| Field | |
|---|---|
| UPI ID (VPA) | Where payers send money, e.g. acme@okhdfcbank. Use a merchant or business UPI ID. |
| Name shown to the payer | Usually your registered business name, as it appears in UPI apps. |
| This is a business UPI ID | Required. Collecting business payments into a personal UPI ID can break your bank's and UPI's terms. |
The payer's side
- At checkout the payer chooses PayLink UPI and sees a
upi://payQR code for the exact amount, with the payment ID in the note. On a phone, Pay with UPI app opens their UPI app directly. - After paying, they enter the 12-digit UTR (UPI reference) from their app, and optionally a screenshot.
- They see that the payment is being confirmed. A UTR already used on another payment is refused.
Your side
The payment is processing until you decide, in UPI verification: check your bank for the UTR and amount and Approve or Reject, or upload a bank statement and let PayLink approve every exact match. Only then does payment.succeeded (or payment.failed) go to your webhook. An alert can tell you when a UPI payment has waited too long.
Screenshots are stored in the platform's file storage, shown only to signed-in members, and every view is audited.
Refunds
UPI can't be reversed through PayLink. Send the money back from your bank or UPI app, then Record a manual refund with how you did it.