NEW Automatic payment confirmation

Accept UPI payments.
Get confirmed instantly.

Create payment links and dynamic UPI QR codes in seconds. Your customers pay with any UPI app, the money lands directly in your bank account, and every order is confirmed automatically.

Direct bank settlement Works with every UPI app Simple REST API
Payment received₹499.00 · via UPI
Auto-confirmedNo manual checking
K
Your Business
✓ Verified merchant
Amount to pay₹499.00
Scan & pay with any UPI app
Sample QR code
Waiting for payment…04:59

Accept payments from

Google PayPhonePePaytmBHIMAmazon PayAny bank app
Features

Everything you need to get paid online

From a single payment link to a full API integration, KGNPAY keeps collecting UPI payments simple.

Payment links

Generate a secure link for any amount and share it on WhatsApp, SMS or email. No website needed.

Dynamic UPI QR

Every order gets its own QR with the exact amount filled in, so customers can't pay the wrong amount.

Automatic confirmation

Payments are matched to orders automatically and your customer sees a receipt with the UTR instantly.

Direct bank settlement

Money goes straight to your own merchant bank account. KGNPAY never holds your funds.

Merchant dashboard

Track every order, payment status and UTR in one place, and download reports whenever you need them.

Secure by design

Encrypted connections, expiring payment links and API tokens keep every transaction protected.

How it works

Start accepting payments in 3 simple steps

No complex paperwork or long integrations. Connect once and start collecting.

1

Create your account

Sign up and connect your merchant UPI account from the dashboard.

2

Share a payment link

Create an order from the dashboard or the API and send the link to your customer.

3

Get paid instantly

The customer scans and pays. The order is confirmed and money reaches your bank.

For developers

Integrate in minutes with one API call

Create an order from your website or app and redirect the customer to a ready-made, mobile-friendly payment page.

  • Hosted payment page with QR and UPI app button
  • Order status API to verify every payment
  • Customer is redirected back to your site after paying
Get your API token
create-order.sh
# Create a payment order
curl -X POST https://gateway.kgnpay.in/api/create-order \
  -d "user_token=YOUR_API_TOKEN" \
  -d "order_id=ORD10045" \
  -d "amount=499" \
  -d "customer_mobile=9876543210" \
  -d "redirect_url=https://yoursite.com/thank-you"

# Response
{
  "status": "Success",
  "message": "Order Created Successfully",
  "result": {
    "orderId": "ORD10045",
    "payment_url": "https://gateway.kgnpay.in/payment/..."
  }
}
FAQ

Frequently asked questions

Where does the money go when a customer pays?

Directly to your own merchant bank account linked to your UPI ID. KGNPAY only creates the payment request and confirms the payment. We never hold your money.

Which apps can my customers pay with?

Any UPI app, including Google Pay, PhonePe, Paytm, BHIM, Amazon Pay and all bank UPI apps.

How is a payment confirmed?

KGNPAY checks your merchant account for the incoming payment and marks the order as paid automatically. The customer sees a receipt with the UTR number and is redirected back to your website.

Do I need a website to use KGNPAY?

No. You can create payment links from the dashboard and share them over WhatsApp, SMS or email. Businesses with a website or app can also use the API.

How long is a payment link valid?

Each payment page is valid for 5 minutes to keep transactions secure. You can always create a new one for the customer.