Application rejected
It came back declined. Sometimes more than once, from more than one provider.
For merchants without a payment gateway
PAYMENT GATEWAY REJECTED OR APPROVAL STILL PENDING?
Not getting a payment gateway for your website or app? Collect UPI payments on the account you already have. Your customer pays through a PayMQR checkout, PayMQR checks the proof they send, and every payment lands in your dashboard.
- Your UPI account
- PayMQR checkout
- Customer pays
- Verification
- Dashboard
- No gateway account needed
- Paid into your own UPI account
- Works with your website or app
- Payment proof checked for you
Not a bank, an acquirer or a payment gateway. PayMQR never holds your money, and it cannot approve you for a payment gateway or change another provider’s decision.
The problem
Having trouble getting a payment gateway?
It is rarely about whether the business is real.
Approval still pending
The application is in, with no date on it. Every day is orders you cannot take.
Site ready, no payment setup
The build is finished and the checkout is the last empty box.
You want a second UPI option
You already collect one way and want a UPI route beside it, on your own account.
PayMQR cannot approve you for a payment gateway, appeal a refusal, or change another provider’s assessment — and it is not a way around a suspension. It is a different thing: software around a UPI account you already hold.
The split
Your business UPI. PayMQR’s payment experience.
Nothing about where your money lands changes.
Your business UPI account
Yours
Add the UPI ID you already receive money on. PayMQR asks a verification provider about it and records the account holder name that comes back.
- Your customer pays that account directly.
- PayMQR is never in the money path.
- A lookup is not proof of ownership.
The payment experience around it
PayMQR’s
Your customer opens a PayMQR checkout with your business name and the exact amount, pays from any UPI app, and uploads the screenshot.
- A unique-paise amount ties it to one order.
- PayMQR checks the proof against that payment.
- Anything unsettled waits for your decision.
Money moves from your customer to your own account. PayMQR does not hold, route or settle it.
How PayMQR works
Four steps, once.
-
01
Add your payment account
The UPI ID you want to be paid on.
-
02
Create a payment link
From the dashboard, or through the API.
-
03
Customer pays by UPI
From the app they already use, then uploads the screenshot.
-
04
PayMQR verifies and records
The status updates, and a verified customer can go to your success page.
Inside the product
Every payment, with the proof attached.
What is verified, what is waiting, and what needs you.
The six statuses a payment can hold.
A payment waits, gets checked when evidence arrives, and ends Verified, Rejected or Expired. Under review is the one that asks something of you.
- Awaiting payment — nothing received yet.
- Checking payment — evidence is being checked.
- Under review — waiting for your decision.
- Verified — checks passed, or you accepted it.
Verified is a PayMQR record, not a bank confirmation.
Why this fits
What changes while you wait.
No gateway to be approved for
PayMQR works around the UPI account you already have. No acquirer, no merchant ID.
Nothing new for your customer
Any UPI app. No account, no install, no card.
A record, not just a transfer
Amount, reference, proof and status on every payment.
No lock-in later
If a gateway approves you, nothing here has to be unwound.
PayMQR claims no PCI DSS, SOC 2 or ISO 27001 certification and no regulatory authorization, and takes no part in any other provider’s decision. Read the security overview.
Plans
Choose the plan that fits your payment volume.
See complete pricing, verification limits, team limits and payment-page customisation.
Paid plans are bought one term at a time from Billing, by UPI. They do not renew automatically.
Eligibility
Which businesses PayMQR is for.
Merchants collecting into their own UPI account: shops, restaurants, service businesses, freelancers, and websites or apps invoicing customers directly.
What PayMQR needs from you
- A real business selling real goods or services.
- Accurate account and business details.
- A UPI payment account you control.
- Your own terms, tax and licensing obligations.
What PayMQR may not be used for
- Anything unlawful, or to impersonate another business.
- To mislead a customer about who they are paying.
- Anything breaching a law or payment-network rule.
- Fabricated payment evidence, laundering or to evade sanctions.
- Presenting PayMQR as your own payment processing.
The rules every PayMQR merchant agrees to. Read the full terms, or ask before you sign up.
The questions this page gets asked
My payment gateway application was rejected. Can I use PayMQR?
PayMQR has no part in that decision and cannot change it. It is a different thing: software around a UPI account you already hold, so no gateway approval is involved. PayMQR’s own acceptable-use rules still apply.
My gateway approval is still pending. Is PayMQR relevant?
Yes. PayMQR does not replace a gateway application or affect one, and nothing has to be unwound if you are approved later.
Do I use my own UPI ID and payment account?
Yes — your customers pay the UPI ID you already use. PayMQR asks a verification provider about it and records the account holder name; an unclear answer goes to a PayMQR reviewer. That lookup is not proof of ownership.
Where does the customer actually pay?
Into your own account, from their UPI app. PayMQR is not a bank, an acquirer, a payment aggregator or a regulated payment gateway, and does not hold, route, settle or guarantee funds.
How does PayMQR verification work?
Your customer uploads the payment screenshot on the checkout page. PayMQR checks it against that payment and updates the status. Anything it cannot settle moves to Under review for your decision. Verified is a PayMQR record, not a bank confirmation.
Can I use PayMQR with my website or app?
Yes. Send a payment link, or create the payment through the API and redirect to the checkout URL it returns. Webhooks tell your server when a payment changes.
What happens after I purchase a plan?
You choose the plan from Billing and pay one term by UPI, the way your customers pay you. It activates once PayMQR confirms that payment. Paid plans do not renew automatically.
Can every business use PayMQR?
No. It is for merchants selling genuine goods or services into their own UPI account. Unlawful selling, impersonation, misleading customers and fabricated evidence are all out, and PayMQR can decline a payment account whose verification is unclear.
Take the payment now. Sort the gateway when it comes.
Add your UPI account, send a payment link, let PayMQR check the proof.
PayMQR is merchant payment software. Not a bank, an acquiring institution or a regulated payment gateway, and it does not hold or settle merchant funds.