Payment software for merchants who collect payments themselves

Many businesses in India already receive payments directly into their own UPI account. The money arrives, but there is no easy way to ask for a specific amount, to keep a record of who was asked, to collect evidence that a payment was made, or to answer "has this one been paid yet?"

PayMQR does that part. Your customer still pays your own UPI account directly; PayMQR creates the payment request, checks the proof your customer sends and keeps the record.

What PayMQR is

Merchant payment software. You create a payment as a link, a QR code, from the dashboard or through the API. Your customer reaches one PayMQR checkout, sees the exact amount and your business name, pays with any UPI app, and sends the payment screenshot back on the same page. PayMQR checks that evidence against the order and either confirms it or hands it to you to decide.

What PayMQR is not

It is not a bank, an acquiring institution or a regulated payment gateway. It does not hold, route, settle or guarantee funds, and it takes no share of your payments. It is not a fraud-prevention system: it records and checks evidence, and only your bank can confirm that money truly arrived.

A merchant deciding whether to trust a payment tool should know exactly where its authority ends, so PayMQR states it rather than leaving it to be inferred.

How we build it

Money is stored in integer minor units, never as a decimal that can drift. A payment's destination is fixed when the payment is created, so changing an account later cannot redirect a payment already in flight. Anything a check cannot settle goes to a person to decide rather than being guessed at.

Where it is going

PayMQR is early. Some things merchants ask for — self-service plan changes, password reset, team access, in-product support — are not built yet, and the product says so where you would look for them rather than hiding it. The FAQ is the most direct list of what exists today.