The UPI Payment Stack for India's Next Generation Businesses

ZenoxPay powers instant collections, same-day settlements, and intelligent payout automation — built for businesses that demand reliability at scale.

RK
AS
PM
VN
DK

Trusted by 15+ companies

processing ₹70L+ in transactions daily

Bank-grade security
Sub-second settlements
99.9% uptime SLA

Live Dashboard

₹12.8 Cr processed today

99.9% uptime

Live Transactions

RK

Riya Kapoor

e-commerce

+₹24,500

just now

AS

Arjun Shah

SaaS billing

+₹1,12,000

2s ago

PM

Priya Menon

marketplace

+₹8,750

5s ago

VN

Vikram Nair

logistics

+₹45,200

9s ago

DK

Deepa Kumar

retail

+₹3,200

12s ago

SK

Sanjay Khanna

fintech

+₹67,000

15s ago

RK

Riya Kapoor

e-commerce

+₹24,500

just now

AS

Arjun Shah

SaaS billing

+₹1,12,000

2s ago

PM

Priya Menon

marketplace

+₹8,750

5s ago

VN

Vikram Nair

logistics

+₹45,200

9s ago

DK

Deepa Kumar

retail

+₹3,200

12s ago

SK

Sanjay Khanna

fintech

+₹67,000

15s ago

Success Rate

98.7%

Payout TAT

Instant

avg. 1.2s settlement

Transaction Volume (7d)

↑ 12.5%
Bank-grade security
Fast settlements
99.9% uptime target
Priority support

Trusted by leading companies across India

F
FinEdge
S
SwiftCart
Q
QuickShip
P
PulsePay
N
NexaTrade
C
CloudMart
R
RapidBiz
D
DataSync
P
PayVault
Z
ZeroLag
F
FinEdge
S
SwiftCart
Q
QuickShip
P
PulsePay
N
NexaTrade
C
CloudMart
R
RapidBiz
D
DataSync
P
PayVault
Z
ZeroLag
₹70L+

Daily Transaction Volume

99.9%

Uptime SLA Guaranteed

<200ms

Average API Latency

15+

Businesses Trust Us

Platform

Everything you need to run UPI at scale

Launch collections and payouts with orchestration, observability, and smart risk controls.

Core Feature

UPI Checkout

Custom UPI intent flows, dynamic QR codes, and collect requests engineered for maximum success rates. Supports all major UPI apps with smart retry logic.

Success Rate

98.7%

QR Coverage

100%

Retry Success

94.2%

Explore all features

Collect

Realtime collection tracking with automated retries and webhook alerts.

Auto-retry Webhooks

Payouts

Batch and instant payouts with beneficiary validation and smart routing.

Batch Instant T+0

Webhooks

Reliable event delivery, retries, and HMAC signature verification for every payment status.

HMAC signed Retries

Dashboard

Unified view of collections, payouts, chargebacks, and settlement metrics in real time.

Real-time Analytics

Risk Controls

Velocity rules, anomaly alerts, and KYC/AML workflow support built in.

KYC/AML Alerts
How it works

Go live in weeks, not months

A structured onboarding flow that scales with your compliance and operations.

1
Step 1

Discovery

Map your UPI use cases, reconciliation needs, and settlement workflow.

2
Step 2

Integration

Plug into our APIs, SDKs, and sandbox to validate flows quickly.

3
Step 3

Compliance

Support for KYC/AML workflows, risk checks, and audit trails.

4
Step 4

Scale

Launch with monitoring, SLAs, and dedicated account coverage.

Use Cases

Built for every industry

From startups to enterprises, our payment infrastructure adapts to your business model.

E-Commerce

Accept payments seamlessly on your online store with instant checkout and automatic reconciliation.

Learn more

SaaS & Subscriptions

Manage recurring payments, free trials, and usage-based billing with automated invoicing.

Learn more

Marketplaces

Split payments between vendors, handle escrow, and automate seller payouts at scale.

Learn more

Education

Collect fees, manage installments, and handle scholarships with parent-friendly payment links.

Learn more

Events & Ticketing

Sell tickets, handle refunds, and manage attendee payments with real-time reporting.

Learn more

Real Estate

Handle property bookings, EMI collections, and maintenance payments with automated reminders.

Learn more
Integration

Developer-friendly integration

Launch UPI collections and payouts with clean APIs, webhooks, and SDKs — built for modern engineering teams.

🔑

API-first architecture

Clear versioning, idempotency keys, and audit-ready request logs.

Sub-200ms responses

P99 latency under 200ms with global redundancy and health checks.

🔒

HMAC signatures

Every webhook is signed — verify authenticity on your end in seconds.

📚

SDKs & sandbox

Node.js, PHP, Python SDKs plus a full sandbox to test before going live.

API v1
// Node.js SDK
import { ZenoxPay } from 'zenoxpay';

const client = new ZenoxPay({
  apiKey: process.env.ZENOXPAY_KEY,
});

const payment = await client.collect.create({
  amount:      125000,      // ₹1,250.00
  currency:    'INR',
  reference:   'INV-2381',
  callbackUrl: 'https://yourapp.com/webhooks',
});

// → { id: 'pay_xyz', status: 'pending', qr_url: '...' }
// PHP SDK
$client = new ZenoxPay([
    'api_key' => env('ZENOXPAY_KEY')
]);

$payment = $client->collect()->create([
    'amount'       => 125000,
    'currency'     => 'INR',
    'reference'    => 'INV-2381',
    'callback_url' => 'https://yourapp.com/webhooks',
]);

// $payment->id, $payment->status, $payment->qr_url
# cURL
curl -X POST https://api.zenoxpay.com/v1/collect \
  -H "Authorization: Bearer ${ZENOXPAY_KEY}" \
  -H "Content-Type: application/json" \
  -d '{
    "amount":       125000,
    "currency":     "INR",
    "reference":    "INV-2381",
    "callback_url": "https://yourapp.com/webhooks"
  }'

# Response: {"id":"pay_xyz","status":"pending","qr_url":"..."}
Why Choose Us

The smarter choice for payments

See how ZenoxPay compares to traditional payment solutions.

Feature
ZenoxPay
Others
Settlement Speed T+0 (Same Day) T+2 to T+7
API Latency <200ms 500ms+
Uptime SLA 99.9% 99%
Dedicated Support
Custom Integrations
Real-time Webhooks Limited
Multi-bank Support Limited
Transparent Pricing

Pricing

Pricing that scales with you

Flexible plans for startups, growth teams, and enterprises.

Starter

For early-stage teams launching UPI collections.

Custom pricing
  • Standard settlement cycles
  • Basic dashboard reporting
  • Email support
  • UPI collect + QR flows
Contact sales
Most popular

Growth

For fast-growing businesses scaling payouts.

Custom pricing
  • Custom settlement routing
  • Webhooks + retries
  • Priority support
  • Payout automation
Contact sales

Enterprise

For enterprises with advanced compliance needs.

Custom pricing
  • Dedicated success manager
  • Custom risk controls
  • SLA-backed uptime
  • Volume-based pricing
Contact sales
Testimonials

Trusted by ambitious teams

Proof points from teams modernizing UPI payments.

"ZenoxPay cut our UPI settlement time in half while improving observability for our ops team. The webhook reliability alone saved us 20+ engineering hours per month."

AM

Aarav Mehta

VP Payments, FinEdge

Verified

"From onboarding to live traffic, the team was proactive and hands-on. The API docs are exceptional and our integration was done in under a week. Best decision we made."

SR

Sneha Rao

Head of Ops, QuickShip

Featured

"We process ₹40L+ a day through ZenoxPay with zero downtime incidents in 6 months. The support team responds in minutes, not hours. Truly enterprise-grade."

KP

Kiran Patel

CTO, SwiftCart

Verified

Processing payments for

FinEdge SwiftCart QuickShip PulsePay NexaTrade CloudMart
Partners & Certifications

Backed by industry leaders

NPCI

NPCI Certified

Official UPI payment aggregator partner

PCI DSS Level 1

Highest level of payment security compliance

RBI

RBI Regulated

Licensed payment aggregator under RBI guidelines

ISO 27001

International information security standard

Banking Partners

HDFC Bank
ICICI Bank
State Bank of India
Axis Bank
Yes Bank
Kotak Mahindra

Security

Security-first by design

Built on modern security practices with strong controls and auditability.

ZenoxPay is PCI-ready and supports compliance best practices with encrypted data flows, key rotation, and role-based access. KYC/AML workflows are supported through configurable checks and audit trails.

Encryption

TLS 1.2+ and encrypted data at rest.

Access Control

Granular roles and approval workflows.

Monitoring

Anomaly alerts and audit logs.

Reliability

Multi-node redundancy and failover.

Security posture

Always-on monitoring
  • Segregated environments for sandbox and production.
  • Key management and audit-ready logs.
  • Operational runbooks for incident response.

FAQ

Frequently asked questions

Everything you need to know before getting started.

Most teams go live in 2-4 weeks depending on compliance reviews and integration complexity.
Yes. We can configure settlement windows and automated payout flows based on your business needs.
We provide tooling for KYC/AML workflows, audit logs, and risk controls aligned with best practices.
Contact our sales team to receive sandbox credentials and integration guidance.
Ready to scale?

Build your UPI stack with ZenoxPay

Talk to our specialists for a custom rollout and pricing plan tailored to your business needs.

No setup fees
Free sandbox
24/7 support

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