High-Speed UPI Payment Gateway
& Automated Settlement Engine
Accept direct customer payments via dynamic UPI QR, reconcile banking settlements with sub-second accuracy, and automate instant fulfillment through cryptographic webhooks.
Built for High-Volume Modern Businesses
Engineered to deliver enterprise-grade payment processing with zero intermediary holding risk.
Dynamic UPI QR & Intent Routing
Instantly generate transaction-unique dynamic QR codes and deep-linking intents compatible with all standard UPI applications for frictionless mobile checkout.
Automated Settlement Reconciliation
Our high-speed matching engine automatically pairs customer UTR reference numbers against verified banking credit notifications with zero human intervention.
Cryptographic Webhook Dispatch
Every transaction settlement immediately triggers tamper-proof HMAC-SHA256 signed webhooks with timestamped replay protection to notify your server.
Strict Multi-Tenant Security
Independent database tenancy isolation ensures merchant orders, API keys, and settlement records are completely separated and encrypted.
Enterprise Security Standards
MTPAY operates strictly as an automated software verification layer. Funds settle directly into your authorized business account.
- Zero Intermediary Risk: Funds move direct bank-to-bank through standard UPI rails.
- No Credential Storage: We never request or store MPINs, OTPs, or banking passwords.
- Idempotent API Execution: Built-in idempotency keys prevent duplicate payments and accidental double charges.
- TLS 1.3 Transport Security: Strict transport security with HSTS, nosniff, and sameorigin protections.
POST /api/v1/orders/create Content-Type: application/json X-API-Key: mtpay_live_99812... { "merchant_order_id": "ORD_82910", "amount": 100.00, "currency": "INR", "customer_phone": "9876543210" }