Features
Everything PayMQR does today
Ask for a payment, let a customer pay it, collect the evidence and decide. Everything below is available today.
Payment links
A URL you send to a customer. Opening it starts a payment to your business.
- One-time, fixed amount — stops working after the first payment is created from it.
- Reusable, fixed amount — many customers, same amount, a separate payment each.
- Customer-entered amount — you set an optional minimum and maximum.
- Optional expiry, and a switch to disable a link without deleting its history.
- A share QR of the link itself, to print or show.
Direct UPI QR codes
A saved, printable code that pays you straight from any UPI app.
- Static — goes on your counter. The customer scans it and types the amount in their own app.
- Fixed amount — your figure is inside the code, so their app opens with it already filled in.
- Codes are drawn as inline SVG. Nothing is uploaded, cached or served from another host.
- These pay you directly, so PayMQR does not see them — no checkout, no screenshot, no verification.
- For those, use a payment link or the API. Both go through the full PayMQR checkout.
Hosted checkout
One PayMQR page your customer pays on, whatever started the payment.
- Your business name and the exact payable amount, largest on the page.
- A UPI payment QR, plus a deep link for a customer paying on that phone.
- A unique-paise suffix so an amount can be matched back to one order.
- Clear wording when a payment is already paid, under review, expired or closed.
- Checkout links are time-limited and can be re-opened at any time.
Payment proof
The customer sends the screenshot on the same page they paid from.
- JPG, PNG or WEBP, validated on the server — not just by the file picker.
- Stored privately. Proof images are never web-served and never public.
- A customer can send another screenshot; nothing already sent is replaced.
- Clear, customer-safe messages when a file cannot be used.
Verification and manual review
PayMQR checks evidence against the order it belongs to.
- Deterministic rules decide, against that order's own amount and destination.
- Anything uncertain goes to your review queue rather than being guessed.
- You approve or reject, with an optional reason code and a private note.
- A decision is final, and the whole timeline stays on the payment.
Analytics
Counts and exact totals from your own orders. No estimates.
- Today, last 7 days, last 30 days, or a date range you choose.
- Computed in your own display timezone, not the server's.
- Payments created, verified, still open, under review, rejected and expired.
- The chart's figures are repeated as a table for anyone who prefers one.
REST API
Create payments from your own system and hand your customer a checkout URL.
- Bearer API keys, separate for test and live.
- Create a payment, read its status, open a hosted checkout.
- Amounts are decimal strings. Repeating a request with the same idempotency key returns the same payment.
- Every response says which environment it belongs to.
Webhooks
Signed events when one of your payments changes.
- Six event types covering the payment lifecycle.
- HMAC-SHA256 signature per endpoint, so your server can trust the payload.
- Automatic retries with backoff. Secrets can be rotated with an overlap window.
- Separate endpoints for test and live.
Test and live, kept apart
A test payment can never collect money.
- A test key creates test payments; a live key creates live ones.
- A test checkout shows no UPI ID, no QR code and no pay button at all.
- Test and live payments, keys and webhook endpoints are listed separately.
Payment accounts
The UPI destinations you already use.
- Add several, pick a default, deactivate one without losing its history.
- The destination is frozen onto a payment when it is created — changing your default later never redirects an existing payment.
- Each merchant sees only their own data.
- Every payment status change is recorded on the payment itself.
- Privileged platform actions are written to an append-only audit log.
Try it on your own account
The free plan includes everything on this page. Add your UPI account and share a link.